BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: CA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with XXXX XXXX XXXX XXXXXXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the EQUIFAX Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: CMG MORTGAGE, INC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a Veteran trying to sell my home to another Veteran as a VA loan Assumption. My address is in XXXX XXXX, WA. The loan is currently serviced by CMG Financial and is eligible to be sold as a VA Assumption in accordance with VA guidelines. I am filing this complaint due to CMG financial stonewalling myself and the buyer, both veterans, and their unwillingness to process the VA Assumption within required timelines. 

I formally submitted the Assumption request on XX/XX/2023 and requested CMG Financial send me the assumption package. We never received a response from CMG Financials Assumptions Dept despite our repeated calls and emails over the past several months. In XXXX we finally were given a copy of the assumption package from their third party customer service center. The completed Assumption Package was sent via USPS express mail and it was signed for receipt by CMG on XX/XX/XXXX. After not receiving any response for two weeks, we called and a customer service rep stated they had no record of receiving the package. We then emailed a copy of the Assumptions Package to CMG on XX/XX/2023 and again have not received any response. 

Neither myself or the buyer have received any communication from CMG Financial Assumptions Department after over two dozen repeated attempts and phone calls requesting a response and have been told on every phone call that someone from the Assumptions Department will call us back but they never do. Below is a list of numbers and emails I have used to try to contact them. We would like to know what the status of our assumption request is as our closing date of XX/XX/XXXX is quickly approaching. 

CMG Financial has printed on their Assumption Package Call us anytime if you have any questions about the Assumptions Process, yet they do not provide a phone number to call and all emails are ignored and not answered. All phone calls go to their third-party customer service department, who can not and will not connect you with the Assumptions Department directly . They never call you back. The company does not provide a means to communicate directly with the Assumptions Department at all.

Our buyer is financially well qualified and we feel that CMG Financial is intentionally delaying and failing to follow stated VA guidelines. We have filed a complaint with the Department of Veterans Affairs as well but would greatly appreciate your assistance with this matter. 

Thank you again. 

Very respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate again the unverifiable items and update them immediately in my report! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-11-24
Company: Affirm Holdings, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had an account with AFFIRM INC who is trying to collect on an alleged debt that is not mine. AFFIRM INC purchased my promissory note which payed off my debt to the bank, and is now saying I owe a debt, which is a violation of federal law XXXX XXXX XXXX. AFFIRM INC is also reporting my account XXXX days past due and is threatening to sell my information to a third party without my written consent which is a direct violation under XXXX and XXXX I am invoking my specified remedy as a consumer demanding that AFFIRM INC delete said account and stop and remove all negative reporting to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
So basically I was impacted by the pandemic and the credit card company chase agree to defer payments but without telling me Ill be paying interest after this was over. I was paying zero interest before and then all sudden without notice they charge me XXXX in interest charges! They never told me anything about this and if that was the case I would payed at least 80 percent of the balance so I wont get hit with a big interest charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
State: CA
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:
This is my follow-up complaint about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : -

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 2017-10-30
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX, XXXX I contacted my loan servicing company Mr. Cooper to ask what were my options regarding a loan modification because my apartment building was affected by hurricane Irma. The associate asked me what I could afford to pay and we agreed upon XXXX$1000.00}. My monthly payment is {$3400.00}. She said that I could have a forbearance payment for a 3 month time frame. I paid the {$1000.00} that day online as I usually do. On XXXX XXXX a representative from Mr. Cooper called and informed me that my lender did not accept the forbearance agreement and now I am expected to pay the full amount. I was notified 6 days before the end of the month that I would need to pay the remaining {$2400.00} before the end of the month or it will show up as a late payment on my credit. I actually talked to several associates and some said that my account was still coded as being in forbearance, but the last associate told me on XXXX that if I did not pay the remaining balance by XXXX that my credit would be negatively affected. I am waiting for an associate from XXXX XXXXXXXX ( the lender ) to return my call. What kind of ethical business practice is it for the servicer to tell me I am in forbearance and the to tell me 6 days before the end of the month that I am not ; while forcing to come up with extra money that I do not have in order to not affect my credit? I have never been late on a payment and I feel like this is deceit of the utmost level. Its almost like holding me hostage for the sake of not ruining my credit. There was a statement on the site that stated I would pay {$1000.00} for 3 months but that statement has now been removed, as well as the statement that showed my {$1000.00} payment with no balance owing. It has been replaced with the statement that I have attached below. If you read the small print it still makes reference to a forbearance amount. I have attached the statement below. Unfortunately I receive all correspondence with them electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Experian Information Solutions Inc.
State: FL
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:
I have been trying to get late payments removed from my credit report for over 60 days. I file disputes on their website, and when I didn't get any results/responses, I hired a credit company, XXXX XXXX and have been paying {$110.00} a month to get these removed. Letters were sent by this company over 45 days ago. 26 request only 1-2 removed. This doesn't make any sense. These late payments were approved by the companies during pandemic and all monies owed, since then have been paid in full. I also ask them to remove the company that ran my credit without my consent. Nothing is being done and I an getting frustrated and very concerned. I am trying to get approved for a home and they will not even consider my application until these disputes are resolved. Please help me.

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 2023-04-29
Company: Experian Information Solutions 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:
As a federal consumer, I have a right to privacy and my rights have been violated. I am writing you to notify you that there is inaccurate and unauthorized reporting of all named accounts on my credit report by Experian, as well as the furnisher of information to credit agencies, in violation of the Fair Credit Reporting Act ( FCRA ) - 15 USC 1681 et seq., 15 USC 6802, and the Private Act of 1974 ( 5 U.S. Code 552a ) .___________________________ 1. ) Account/ # - XXXX  XXXX ( Report Credit Utilization/Transaction as Paid as agreed and 0 % utilization ) 15 USC 1681a ( 2 ) ( A ) ( I ) ____________ 2. ) Account/ # - XXXX  XXXX ( Update Adverse Late Payments to Paid as Agreed ) 15 USC 1666B__________ 3. ) Account/ # - XXXX XXXX Delete/Remove off report ) 15 USC 1681c ( a ) ( 5 ) ____________ 4. ) Account/ # - XXXX  XXXX ( Delete/Remove Adverse Item off Report ) XXXX5 USC 1681c ( a ) ( 5 ) ___________ 5. ) Account/ # - XXXX XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) ____________ 6. ) Account/ # - XXXX  XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) ___________ 7. ) Account/ # - XXXX  XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) _____________ 8. ) Account/ # - XXXX XXXX XXXX XXXX XXXX Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) ______________ 9. ) Account/ # - XXXX XXXX XXXX XXXX Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) ____________ 12 CFR 1016.7 states that a consumer may exercise the right to opt-out at any time. As a federally protected consumer, I am NOW OPTING OUT of any, and all authorization I may have given you, whether it be written, unwritten, verbal, or non-verbal, as outlined in 15 USC 6802 on the named accounts listed.

I request that you cease all reporting on named accounts on my behalf immediately. I also request that you investigate and correct any inaccuracies in my credit report, as required by law. Such as different names and addresses other than the one listed on this correspondence pursuant to 15 USC 1681b. 


XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, TX 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 2023-03-17
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Key bank closed my account on XX/XX/23, I did not request them to close it, they did it on their own. 
I had {$950.00} on that day and Key has held that money since then. 
I've spent over 2 hours on the phone with them trying to solve it, after a week, they sent me a form that had be taken to the bank, but, to my surprise, the branch that I visited at XXXX XXXX XXXX XXXX OH XXXX couldn't give me my money back, I signed the form in front of one of the branch managers, she notarized it, but she had to return the form to a different department and I've been told they mail me a check. 
Well, another week went by and no check has arrived. The lack of consideration/customer service is just absurd, the bank has held my money for over a month, I am sure they will not pay interest and they don't communicate properly. 
I am sure I am not the only customer suffering with their lack of customer service ... during these days when banks are struggling, Key Bank is finding 'creative ', illegal ways to improve their liquidity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2023-07-03
Company: Exeter Finance Corp.
State: CA
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 regards to EXETER FINANCE account XXXX  XXXX This is void contract/void agreement. 
According to your installment contract number XXXX dated XX/XX/2021 states : The minimum public liability insurance limits provided in law must be met by EVERY PERSON who purchases a vehicle. 

In fact I never had auto insurance & never provided Exeter with auto insurance of any kind that has XXXX XXXX  name associated with the policy. 
Your INSURANCE REQUIREMENTS section on the contract states YOU AGREE TO HAVE PHYSICAL DAMAGE INSURANCE COVERING LOSS OR DAMAGE TO THE VEHICLE AS LONG AS THE AMMOUNTS ARE OWED UNDER THIS CONTRACT I never had auto insurance of any kind to qualify for the vehicle or the ammounts owed under the vehicle. The original seller of the car did not check all requirements because one clear requirement is ALL PURCHASERS OF VEHICLES MUST PROVIDE INSURANCE PRIOR TO GETTING POSSESSION TO VEHILE. The insurance section has XXXX XXXX signed as a requirement for the insurance but XXXX XXXX did not provide insurance therefore this contract is incomplete, voided, & false to say the least. Im demanding EXETER finance to remove the account from my name & credit file immediately due to me not legally being under contract with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Dear Recipient : I am writing to ask for assistance in a matter in which XXXX ( regarding a collection from XXXX XXXX ) Has refused to properly communicate with me, ignored written request for documentation and in clear violation of the law has reported inaccurate information to my credit file. I have enclosed several copies of letters that I have written to try to resolve this problem. I have also forwarded all the information which I sent you to the credit bureau proving the debt is not mine and asked the credit bureau ( XXXX ) and XXXX to Validate the debt by SS #, XXXX, and a copy of a written contract or electronic contract bearing my signature and all refuse to do this or provide competent evidence which shows ownership of this acct. 
I am Asking that the CFPB intervene as they have made no attempt to provide the documents I have asked for in numerous written attempts. They also failed to provide me with a written Method Of investigation, showing how the company and credit bureau came to its decision. I have placed a formal written complaint with the XXXX, FTC and the CFPB. If the acct. in question is in fact mine the documents, I have asked for should be readily available and the bureau ( XXXX ) and XXXX should have no problem producing these documents. They can not provide them because the account in question is not mine, and I did not open the account or sign into any agreement with XXXX for this acct. Please understand I am asking for Validation of the ownership of the account ( proof ) not verification of my name and address which is public information and can easily be found on the internet. The only resolution to this matter is that XXXX XXXX and XXXX remove the account from my credit file. No other outcome will be acceptable. I have disputed the account with The bureau and no acceptable outcome has been reached. 
The credit bureau is in clear violation of the law, both the FCRA and The Fair Debt Collection Practices act. I have provided numerous documents which show competent evidence on my behalf, and I am now demanding action be taken to correct this matter as it has now cost me the ability to buy a home using my VA home loan, as I am a XXXX Vet. I ask that a complete and thorough investigation be done in respect to the violations of federal and local law by the credit agencies and XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX 
XXXX XXXX, Florida 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 2023-07-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
WELLS FARGO COMPROMISED MY BUSINESS CHECKING ACCOUNT BY SENDING ALL THE DOCUMENTS TO AN ANOTHER ADDRESS. I NEVER ASKED FOR AN ADDRESS CHANGE. BECAUSE OF THIS, I WAS NOT RECEIVING ANY OF THE LETTERS REGARDING MY DISPUTE RESOLUTIONS CLAIM. 

NOW WELLS FARGO WANTS TO REVERSE THE PROVISIONAL {$160.00} SINCE I DID NOT RESPOND IN TIME TO PROVIDE ADDITIONAL INFORMATION REGARDING THE CLAIM. MIND YOU, I ALREADY PROVIDED THEM MEDICAL DOCUMENTATION, A PRESCRIPTION, AND MEDICAL BILL FROM THE DOCTOR. NOTHING GOES ABOVE A PHYSICIANS LETTER WITH PROOF OF INJURY FROM A MERCHANT. WELLS FARGO IS THREATENING TO REMOVE THE {$160.00} ON XXXX, WHICH GIVES ME NO TIME AT ALL TO DO ANYTHING TO PREVENT THIS FROM HAPPENING. THEY NEVER ASKED FOR A POLICE REPORT AND ONLY A LETTER FROM THE DOCTOR OR ANOTHER MERCHANT I HAD TO PAY TO CORRECT MY PROBLEM. 

FURTHERMORE, I PROVIDED THEM WITH DOCUMENTS, PHOTOS, RECEIPTS ECT. MORE THAN ENOUGH TO PROVE MY CASE. WHEN I TOLD THEM MY ACCOUNT WAS COMPROMISED DUE TO THEIR ERROR, THEY TOLD ME THEY COULD NOT CLOSE IT DUE YO AN OPEN CLAIM. THE ONLY REASON THEY WANT TO KEEP IT OPEN IS TO TAKE OUT THE {$160.00} IN XXXX WHEN THEY CLOSE THE CLAIM. 

MOREOVER, THEY CHOSE THIS DATE ON PURPOSE RIGHT AFTER A HOLIDAY SO I COULD NOT GO TO THE BANK TO CLOSE MY ACCOUNT. ALSO MIND YOU I WAS NOT RECEIVING ANY OF THEIR LETTERS SINCE IT WAS GOING TO ANOTHER ADDRESS BECAUSE OF THEIR MISTAKE!!! NOW IM BEING PUNISHED FOR IT. 

LAST BUT NOT LEAST, SINCE THEY WANT TO REMOVE MY HARD EARNED {$160.00}, I AM GOING TO RETAIN LEGAL COUNSEL FOR COMPROMISING MY BUSINESS CHECKING ACCOUNT INFORMATION AND IDENTITY FOR CHANGING MY ADDRESS WITHOUT MY KNOWLEDGE. I AM GOING TO SUE AND FIGHT FOR MILLIONS IF DOLLARS. WELLS FARGO HAS MADE MY LIFE A LIVING 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 monetary relief
Consumer complaint received 2021-06-01
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
In late XXXX I used Coinbase to purchase XXXX, the first transaction was on XX/XX/XXXX and this was a total of XXXX ( not including fees ), and then another transaction on the XXXX XXXX and this was for XXXX ( not including fees ). For around a month now, I have been in a constant battle to get my account 'verified ', every time I email them I get the same response of them having a high quantity of emails. This of course is causing me some distress as during this time I have absolutely no control over my own money that is in my account. I have been trying to sell my XXXX and withdraw for 4 weeks now, and there doesn't seem to be any progress, despite multiple requests to the company. 
It seems crazy to me that they were able to take my money absolutely fine, but when it comes to taking it back, they don't seem to want to know. 
My biggest worry is that crypto may crash and I will have absolutely no control and I will loose all my money. I am very worried. 

Any help is super appreciated! 

Many Thanks, XXXX XXXX

Company response to consumer: Closed with explanation