BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: SC
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:
CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX CC : Federal Trade Commission ( FTC ) CC : XXXX, Equifax, XXXX Dear XXXX FUNDING ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report.

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder.

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous.

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred.

Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report.

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I am a victim of identity theft and did not make the charges. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit.

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 2023-05-30
Company: Winklevoss Exchange LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/23 I, XXXX XXXX, held {$4900.00} in my Gemini Trust Company LLC Exchange account. There was a breach of my account that day, and all of my funds were stolen. I submitted a help ticket with Gemini ( Ticket ID : XXXX ) on XX/XX/23 after I noticed the funds were missing. After several weeks, Gemini responded that they do not insure digital assets ( cryptocurrencies ) and I would not be refunded. I responded that I did not have any digital assets stolen and that I was seeking my US Dollars be returned to me. Gemini lists in their terms of service that funds, such as USD, held in a Gemini account are eligible for " pass-through '' insurance, held through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
It has now been over 3 months and I have not received any communications from Gemini regarding this matter since XX/XX/23. I have requested to speak with a supervisor on the matter and I was never provided that option. I have been unable to obtain a phone number for Gemini but the address is as follows : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Thaxton Investment Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was on the 16th day past due ( was making my payment that day ) and they called my daughter, who has not been listed as a contact, and left a message stating that they were a lawyer. No one as the location is a lawyer. They already know that it is impossible for me to contact them during work hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX I had back XXXX and I was unable to work. The pain was so severe I had to move out of my apartment. When I moved, all XXXX XXXX XXXX equipment was returned to XXXX XXXX XXXX via XXXX as they instructed. I was shocked when I found out that XXXX XXXX XXXX was claiming that I still owed money. I asked them to provide a bill breakdown of what was owed when I returned the equipment and paid everything owed to them. To this date, they never provided a breakdown and forwarded the alleged outstanding balance to a debt collector, CREDENCE RESOURCE MANAGEMENT # XXXX, {$440.00} alleged amount owed. 
I am now trying to buy a home and this account is damaging my credit score. My loan originator and I called the debt collector today, XX/XX/XXXX,, XXXX and informed them that I was buying a home and they were reporting an alleged debt that I disputed already with XXXX XXXX XXXX. I spoke to XXXX XXXX and then XXXX, his supervisor. My loan officer informed them that they were affecting the interest rate I would receive by reporting an inaccurate account on my credit report. They refused to delete it even though I returned all the items to XXXX XXXX XXXX. This is going to make me pay a higher rate and have to pay more at the closing table for the rate. I don't owe this money and the debt collector has no right to report on my credit report because CREDENCE RESOURCE MANAGEMENT is not a creditor and has never provided to me any type of credit. They admitted as much in the call and they also admitted that they can not allege the amount owed because they are not the creditor and they did not even have the information that this was already disputed over the phone with XXXX XXXX XXXX. I do not owe this money and CREDENCE RESOURCE MANAGEMENT is trying to extort money from me by reporting an inaccurate account to the credit bureaus. If they have done this to me, they are doing it to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Fidelity National Financial, Inc
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2018, I was contacted by Chicago Title because two real estate transactions, both selling my home and purchasing a new home was taking place the next day on XX/XX/XXXX. Chicago Title failed to discover a lien on my property from XXXX XXXX, a bank I had a 2nd mortgage with prior. During a Chapter XXXX Bankruptcy, some 8 years before, the debt was discharged but the lien remained. Chicago Title came up with a solution to their oversight and that was to hold back $ XXXX from the sale of my property, which remains in escrow today, almost a year later. They also had me sign a performance lien and attached it to my new property. As you can see from the attached document, they had me sign it the night before closing and I had no time to review with anyone and was told I had to sign or face multiple lawsuits from my buyer and my seller. I felt I signed under duress and felt it should have been Chicago Title 's professional responsibility to discover this lien earlier. If you click on the hyperlink on the document, you will see the performance lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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 submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 to the Fair Credit Reporting act XXXX Account # 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 2020-10-12
Company: Experian Information Solutions Inc.
State: IL
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:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: CT
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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX 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 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 explanation
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Called Bank of America on XX/XX/2022 and number of days/months after and before. They opened up a checking account and changed my second email address without my permission or knowledge. Claim number XXXX. Changed my email address ( attached document ) to an email I never use. Changed my physical address also.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: TN
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 submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXXXXXX 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 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 explanation
Consumer complaint received 2020-06-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My account was hacked on XX/XX/2020. I have been getting robbed hundreds of dollars from multiple gas stations across XXXX California. I currently live in XXXX, five hours away from the XXXX XXXX county area and they are taking my money from there. The first incident was onXX/XX/2020 in XXXX CA from XXXX # XXXX. They removed {$100.00} from my account. On the same day, they removed {$120.00} from XXXX, CA from XXXX XXXX. On the same day, they also remove {$73.00} from XXXX XXXX XXXX XXXX. On the same day, they also removed a {$120.00} from XXXX XXXX in XXXX. All of this is on the same day and keep in mind I made a transaction later throughout the day in XXXX, the grocery store in XXXX. I was all the way in XXXX when they hacked my bank account until they left me with nothing. On XX/XX/XXXX, they stole a total of {$100.00} in gas in XXXX XXXX XXXX, XXXX CA and {$120.00} from XXXX XXXX in XXXX, CA. In XX/XX/XXXX, {$99.00} from XXXX XXXX in XXXX, CA. On XX/XX/XXXX, again from XXXX, XXXX XXXX, another {$99.00}. In XX/XX/XXXX, another {$330.00} from XXXX California XXXX XXXX. This was an ongoing trend that continued until they left me in XXXX dollars in my account by XX/XX/2020.

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 2023-05-30
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On or about XX/XX/2019, I purchased a used vehicle that was financed through Credit Acceptance. The vehicle was repossessed by Credit Acceptance during the COVID-19 National Disaster at which time I lost employment because of the World Wide Lockdown that affected my ability to pay anyone. I am a survivor of several positive COVID-19 test results. Credit Acceptance has failed to comply with UCC 9.506 as well as State XXXX and XXXX statutes. Credit Acceptance has filed a Civil lawsuit against me and continues to report inaccurate information to the Consumer Reporting Agencies.

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 2020-06-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been a loyal Chase customer with not only banking, but multiple credit cards. I have always made my payments on time and have not asked for financial assistance during these COVID times. I also make bigger payments toward my balances at times to bring my available credit up to help my debit ratio. I am very disturbed to see my credit limits DECREASED after making on time payments on my accounts. I assume reason is that balances are too high compared to loan amounts and/or balance on bank cards are too high which is contradicting, as when I make payments, I am doing that to lower my balance and open my available credit to help my credit score. Now my decreasing my available credit, this is hurting me and doing exactly what you are lowering my score for. I am getting penalized for using my credit cards when needed, even though I make my payments. I will never win or get my score up If you are lowing my available credit. I have been a loyal customer with no late payments and continue to pay my cards, I am not a threat or risk of defaulting and do not deserve for my credit limits to be decreased especially when I am making payments to increased my credit score, not lower it which is what this will now do. I kindly ask Chase increased my credit limit back to what I was initially given and not penalize me for using my cards when I need to with the credit limits given initially. I do not feel this is right that they are lowing my credit limits due to balances being to high to credit limit, yet by lowing my limits, I am worse off now then I was prior to them lowing them for credit purposes. this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was contacted by Rocket Mortgage about my existing loan with them. I had a lapse in insurance coverage on my homeowners because I was switching companies. At the end of XXXX ( XX/XX/26 ), I contacted Rocket Mortgage due to a charge of over {$400.00} for a month of homeowners insurance showing on my statement. At that point, I spoke to their representative named XXXX and XXXX and myself had a 3 way call with my new insurer at XXXX ( agent is XXXX XXXX ). Once on the 3 way call, XXXX told us that since there was a lapse in insurance, all we would have to do is upload a statement of no loss to their portal ( Mycoverageinfo.com/agent ) in order to get that charge removed. We did so that same day. 

Now over a month and 3 more calls later, my agent and I are being told that the statement of no loss will not suffice, and I'll be stuck paying over {$400.00} for insurance I never agreed to and was told would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$240.00} DPTEDXXXX {$4200.00} XXXX {$5000.00} XXXX {$4200.00}

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 2023-06-22
Company: Experian Information Solutions Inc.
State: TX
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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