BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: Khoury Alternative Claims Management
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
In XX/XX/XXXX I rented a vehicle in XXXX when I was there from XXXX XXXX XXXX. I paid a {$500.00} deposit plus fees for the rental. The deposit was for missing gas or damage to the car or extra days if I kept it. I videotaped the vehicle when I first received it. 

On XX/XX/XXXX I return the vehicle and a XXXX representative got into the vehicle as I was taping the car for proof of return in baseline condition. During this time, the XXXX representative that is sitting in the car evaluating the vehicle, gave me my money back for the deposit, and I was able to get on my flight. As you can see in the video, there is XXXX damage to the car and no mention of any damage from the representative and she did not deduct any monies from my deposit. 

XX/XX/XXXX I was notified six months later that there was damage to the car ( XXXX XXXX XXXX that I rented 6 months prior ) by alternatives claims management. 

They are trying to charge a bunch of fees that I am not responsible for and threatened me with action if I dont give them money. 

I uploaded the video from when I return the vehicle as you can see in the video its very clear there is no damage caused by me on the car, the XXXX representative and evaluating it and there was no damage caused by me and it is the right vehicle with the right license plate number that they are claiming. This video is taken right when I drop the car off XX/XX/XXXXXXXX XXXX XXXX I dropped it off. In the same condition I rented it. 

Not only did I save the videos, but I also saved the receipt of the representative immediately returning my deposit. I forwarded both of the video and the return deposit receipt to this agency. 

I was really upset that theyre trying to scam me so I looked on XXXX and I found a myriad of claims where they try to scam people and even people have sued them for this. 

Please pursue these individuals further fraudulent behavior. 

Because of the size of the video I am unable to upload it however, any consumer finance person can reach out to me and Ill be happy to send it via email. Alternative claims management already has a copy of the video.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing concerning inaccurate negative reporting on my Experian credit report for a credit builder account I had with XXXX XXXX XXXX. This account is reflecting that my account was 90 days late as of XX/XX/XXXX for a balance of {$12.00}. 

In XX/XX/XXXX, I opened a credit builder account with XXXX. As of today, XX/XX/XXXX, this account is negatively affecting my credit for a balance that I do not owe. My original credit limit with XXXX was {$12.00} when I opened my credit builder account in XX/XX/XXXX. I never used this credit limit to make purchases with XXXX, or any other institution. I do not owe a balance to XXXX that I never used. 

I have attempted to dispute this account with XXXX XXXX XXXX and Experian and have reached no resolution with either company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I received a letter stating, " They do not report any bankruptcies to anyone. '' Therefore, if that is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to 15 USC 1681.

15 USC 1681. section 603 ( 3 ) ( E ) states, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of that consumer reported on or with others that he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681.

- According to, U.S.C. 1681 section 602 A. states I have the rights to privacy.

- According to, U.S.C. 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction - According to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: Bridgecrest Acceptance Corporation
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Dear Bridgecrest, This letter is to dispute an incorrect closed account on my credit report that is listed as closed and past due with your company.

I am writing to dispute this account because the Fair Credit Reporting Act ( FCRA ) states that information on my credit report must be accurate and up to date. This account was closed and fully paid more than seven years ago, which is the maximum amount of time a negative account can remain on my credit report. Additionally, the collection date on the account has already expired, so even if the account was still open, it would not be reported to the credit bureaus. 

I am requesting that you immediately remove this account from my credit report in order to comply with the FCRA. Please provide written confirmation that the account has been removed from my credit report within thirty days of the date of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened my account XXXX XXXX. Around XXXX XXXX I was applying for an XXXX loan so I called customer service to make sure I wouldn't have an issue depositing the funds in my account. The rep on the phone said I was fine. XX/XX/XXXX I get my loan proceeds and the same day the bank puts a permanent hold on the funds demanding I send them documentation. I send out documents on XX/XX/XXXX. XX/XX/XXXX they look at my account and discover my SSN is incorrect ( the banks error ) and freeze all of my accounts. They tell me to bring SSN into bank to verify and sign new signature cards. I go into the XXXX, CA branch on XXXX to update my info and they refused to help despite my account being 100 % frozen and no access to any funds. The assistant manager spent 20 minutes arguing with me in the lobby instead of 5 minutes to update my info and have me sign a new card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
1. My certificate of deposit matured XX/XX/23. On several occasions in advance of that date I attempted to set up a plan for how to move the money post-maturation. The website would not allow me to do so. 

2. I have tried " help '' on both the Citi website & mobile app. There is no information in " help '' about how to handle a maturing certificate of deposit. 

3. I was sent a letter on the account with a signal that it was a high priority. I have tried to access it on several occasions, and EACH time there is an error message saying that Citi is " Currently Experiencing a Technical Issue. '' 4. It took seven minutes when calling the Citi phone number in my documents concerning my certificate of deposit to reach a person to be able to discuss these issues, as their automated system has nothing remotely on point. That person had no capacity to help me deal with the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: ROBINHOOD MARKETS INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
The company " Robinhood Markets, INC '' is an extremely popular platform for trading stocks and other financial securities in the US. The have a feature called " instant deposits ''. This feature allows users to have XXXX dollars of funds instantly available for trading when they initiate a transfer of funds from their bank to robinhood. Robinhood makes these funds available before the money transfer is initiated and before the money is withdrawn from bank accounts. Therefor, they allow regular users to trade with XXXX dollars and " gold users '' to trade with up to " XXXX '' dollars without running a credit check or verifying if they have the funds available. It's for this reason I believe that this instant deposits feature meets the legal definition of a loan. If this is the case Robinhood is providing users with illegal loans on which they charge no interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2016, XXXX XXXX XXXX  was opened. We had a car with them and surrendered the vehicle due to undisclosed information for the temporary insurance they provided. The agreement was for us to utilize their insurance until we found a company that would insure our vehicle under full coverage. At the time we only had liability. Our monthly payment was higher due to XXXX XXXX insurance. A few months later we gained full coverage with XXXX  and called XXXX XXXX to give them the information and to cancel their insurance and go back to our regular monthly car loan payments. They told us they will not cancel their insurance it will continue on for the duration of our loan. We were outraged, we tried to speak with upper management. We was unsuccessful. We told them we would not continue business with them. They did not disclose that information nor did we sign any documentation stating their temporary insurance will stay on for the duration of our loan which meant we would have to pay two full coverage car insurance plus the car note payments. We told them to come and pick up the vehicle. We explained we placed new tires on the car, and replaced the car battery. They sold the car at an auction and did not include the updates. They then told us we had a remaining balance to pay them. We were again outraged. After a few months of searching for free legal representation, we received a notice of our credit report scoring plummeting tremendously due to XXXX XXXX placing us in collections. XXXX XXXX reported every month of non payment, even though we tried to state the fraudulent act they committed on us. We lost out on home purchasing due to them and as a result we had no choice but to pay the settlement amount they suggested to us in order for them to close the account and have it removed. It is 6 years later, they still havent removed themselves from our credit and placed the account as a charge off. We paid them in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, US SM BUS ADMIN OD.. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXX XXXXXXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX, XXXXXXXX XXXX  inquired on XXXX XXXX , XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX US SM BUS ADMIN ODA inquired on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I'm not sure, really, what the point of these complaints to the CFPB is. The company just responds and gives the same empty promises and then does nothing. How exactly am I being " protected '' as a " consumer '' here? I'm not. But I will file this complaint, because the company about which I am complaining is apparently lying to me and is doing nothing. This complaint is about XXXX XXXX dba Shellpoint Mortgage Servicing ( formerly XXXX XXXX XXXX ). I have been dealing with them since last XXXX ( 2018 ), or slightly before. My loan got transferred to them from a previous servicer. I had started a loan assumption process with the previous servicer, and once it transferred, I contacted XXXX XXXX to start the loan assumption process with them. 

They immediately sent me the information to do a loan assumption. I got all the information put together and sent it to them very quickly. That was 6 months ago. The loan assumption still has not happened. 

NewRez now claims that they do not have FHA qualified underwriters on staff to do a loan assumption. They told me this a couple of months ago, once I finally got a conversation with one of them. They said they were really close to getting people hired and being able to do these assumptions. They lied, obviously. They now will not even return my calls or emails. 

NewRez lies about loan assumptions. Why did they send me details on doing a loan assumption 6 months ago if they did not have the proper people on staff? 

Is it even legal to not have FHA qualified people on staff? They service lots of FHA loans, right? 

They clearly lied to me 6 months ago. They lied to me 2 months ago. They lied to me a month ago. They just lie. They lie because there is no recourse to them lying. If I lied to them, I would get in trouble. When they constantly lie to me, they do not get in trouble. 

I am stuck here, because I did not choose NewRez. I can not change the servicer of my loan. They are the most pathetic company I have ever dealt with, and I can't do anything about it. There should be some sort of government agency which oversees mortgage companies and helps consumers who have problems with these companies. 

I am submitting this complaint because this is a new complaint, based on NewRez 's lies to me about being " only a couple weeks away from being ready '' to do a loan assumption. This is not a rehash of my old complaints, this is a new complaint. 

I know that NewRez will respond to this complaint with the same nonsense they have used to respond in the past. They will post that information here, and the CFPB will do nothing about the fact that NewRez has consistently lied to me about this whole process. They will not return my calls or emails, and when they have talked to me in the past, everything they have told me has turned out to be a lie.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX i applied for a XXXX XXXX credit card i was approved for XXXX limit so upon waiting for my card to arrive i never receive my credit card after some time has gone by i contacted XXXX XXXX letting them know i didn't receive my card they said they will cancel it and send me out a new card, now we are in XXXX i never received the new card i contacted chase regarding the new card they sent me that it never arrived they then at that point me told me the account has been canceled because there is a {$6000.00} limit on the original card that i ever received and not 1 time did chase let me know that someone activated the previous card so therefore i filed an identity theft report and sent it to chase i also have an ongoing lawsuit against chase for trying to make me responsible for a debt and card that isn't mines and now Equifax  is reporting a fraudulent account on my report which i need this account removed permanently from my credit report or i will file a lawsuit against equifax

Company response to consumer: Closed with explanation