BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX I have conducted the payment in the amount of XXXX USD, and XXXX I have conducted the payment in the amount of XXXX XXXX USD from my account with XXXX to account of XXXX XXXX XXXX XXXX XXXX opened with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXXXXXX XXXX XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX Bank asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a vehicle on XXXX XXXX. Im still waiting for a tag. I purchased the car from US Auto Sales and currently still riding around with a dealership tag that expired XX/XX/XXXX. After reading about the lawsuit. I couldnt access my doc files. But lucky me I saved them to my pdf files. After paying {$1000.00} down payment left a balance of XXXX. I had to pay two deferred payments of {$420.00} two weeks apart. I just look at my balance on Westlake Portfolio app and my balance is stating I owe the same balance of {$18000.00}. So basically I started over with the same amount my balance showed on my paperwork from XX/XX/XXXX. When I ask Westlake Portfolio could they register my car so I can receive my tag. They tell me the only thing we can do is provide you with an email to contact someone about registration from your car. The email address I was given was XXXX. Ive sent them over 50 emails. No one has call.text, or email me back. My car still is unregistered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have reached out to the company to release the retail installment contract. I am requesting all of the account level documents.

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 2023-08-16
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE AND DEMAND FOR CEASE AND DESIST FOR ACCOUNT # To Whom It May Concern : I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an account that you can not prove is mine. 
You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. 
I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 
15 USC 1692cI Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
If proper validation of this alleged debt is not provided within XXXX calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. 
Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. 
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( XXXX ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( XXXX ) in the case of an action not described in paragraph ( XXXX ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. 


LVNV FUNDING LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: ENCORE CAPITAL GROUP INC.
State: VA
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 not liable for this debt with XXXX XXXX XXXX XXXX.I do not have a contract with Midland Funding. They did not provide me with the original contract as I requested. 

If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: United Shore Financial Services, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As of today XX/XX/XXXX we found out our mortgage had been sold to a different mortgage company. This morning my husband went on to the United Wholesale mortgages website to pay our mortgage and was told our loan was paid off and we have no option to pay through them. It has been sold to another company which we were made aware of today. That company is XXXX XXXX. I proceeded to download their app and attempt to pay. It says our account details have not been transferred over yet and it will take 2 days to be able to create an account with them. The date I will be able to make a payment through the new company will be XX/XX/XXXX, according to them. My payment will be late as of midnight tonight, XX/XX/XXXX. I have absolutely no way to pay. Yes, so have called both companies. I called XXXX and the automated message said my husband nor I exist at the moment. There are no accounts with our phone number, SSN, or loan number. I, then, called United Wholesale Mortgage and talked to XXXX. He told me they were not authorized to talk to me and my husband had to call. Quite a while ago we had this problem with them and we sent in copies of identification and a notarized letter giving me permission to talk to them and be added in as an authorized user. They claim them never got that, then he rechecked and found the letter that gave me authorization. However, he claimed it was only valid for 90 days. We have had nothing but issues with this company from the start. They have lost our payments for the months of XXXX and XX/XX/XXXX and reported them to the credit bureau as late. We had talked to about XXXX different people who said they would not get reported since it was their fault they lost the payments, but did not honor their word. As of right now, we have no way to make our payments and it will be late if it is not made by midnight tonight even though I have taken every Avenue to make sure it is paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: FirstCash, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
PLEASE NOTE : This is a second complaint that your categories for reporting do not address but ultimate matter pertains to retaliation for submitting a previous CFPB complaint and being denied a pawn loan and sell. This matter was video recorded and the evidence can be submitted per request. 

On XX/XX/XXXX, XXXX I went to a different First Cash location in order to avoid interacting with the staff at the XXXX XXXX XXXX who have an active complaint both with CFPB and with First Cash, the company. I perceived that perhaps, I would be interacted with differently at this location. The exact opposite occurred. 

I requested two things : 1. to receive a print out of my account history which they provided and 2. asked them if they would be interested to either purchase or provide a loan for a bike. This bike is one I had purchased from them over a year ago, sold back to them, and purchased it again. The original location of this bike was the pawn store so this is not an item that should be under any question of my ownership. 

Unfortunately, XXXX, the same individual who was at the other store location, was working at this store. He walked outside with me to look at the bike, recognized it from being in their inventory, and said " I recognize this. I know its from our store. Odd comment to make. He said that " because you are investigating us and made complaints about us, I can't give you a loan or buy this bike '' I replied " really? '' XXXX said he would need to contact his district manager and ask her how she wanted him to proceed but because I complained, they are not able to give me a loan or buy the bike. 

XXXX 's statement " because you complained '' as the reason for denying a loan to me falls under clear retaliation. He did not cite any other reason for denying the loan or the sale of the bike back to them. He reiterated this once we were back in the store in front of other customers denying me of my privacy and causing further embarrassment of this completely inappropriate conversation and comments. 

This is the second situation that now indicates a clear pattern of discrimination in lending. 
The interaction was video recorded. The file is over XXXX but can be provided by XXXX XXXX or on a CD upon request. It's too large to submit with this online complaint form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: IL
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am currently rewriting my complaint with EQUIFAX concerning inaccuracies in the information on my accounts. Despite sending a letter requesting an investigation into the mentioned accounts, the process took over 30 days to complete. EQUIFAX claims to have finished the investigation, but upon reviewing my recent report, I observed no changes. They assert that the information is verified, but discrepancies in the date of last activity, date opened, date of last report, payment history, and status suggest otherwise. This situation seems unjust. I am aware of my rights under 15 U.S.C 1681 section 602 A, which guarantees my right to privacy, and 15 U.S.C 1681 section 604 A Section 2, stipulating that a consumer reporting agency can not furnish an account without my written instructions. I have attached my FTC with the report number XXXX for this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I've been trying to open a simple business checking account at Chase for the past month or so. I submitted my application but was then required to submit other documentation. I was informed that I needed to call their XXXX number. I called on XX/XX/23 and the woman who answered became very annoying. I think her colleague was being very annoying behind her. In any case, the woman had no idea what a Delaware LLC was and stated that Chase did not do business with Series LLC ( s ). I'm not sure if this is correct but this is what she stated. I called again yesterday and a man named XXXX, picked up. Again, this guy was very unprofessional and annoying. The call lasted about 6 minutes. He stated that he would have his supervisor call back. I did not receive a call back but received an email instead. I'm not sure what's going on with the customer service centers but this is getting out of control. I had a similar situation with the credit card from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Westlake Services, LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I financed a XXXX XXXX XXXX through US Auto Sales around XXXX of XXXX. Within the first 30 days of me having the vehicle I ran into many problems with the vehicle. I was responsible for paying more than {$3000.00} in repairs for the vehicle and I am still making repairs. I was told that the warranty on the vehicle no longer stands because the company has gone out of business. I am left with a dysfunctional car and still responsible for paying on it. I am an XXXX XXXXXXXX XXXX XXXXr so my transportation is needed for my day to day activities and duties and this has caused so many problems with my work and personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 knows or 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 2023-08-21
Company: Atlanticus Services Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Aspire Visa did not offer arbitration per our contract on disputed amounts and charges. They sold the debt to XXXX XXXX XXXX without resolving dispute.They are both reporting negative information on my credit bureaus in error making a double negative impact on my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 these dates listed below I had unauthorized credit inquiries from the following companies on the following dates XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX CO XX/XX/22 XXXX XXXX XXXX  XXXX/XXXX/22 XXXX XXXX XXXX/XXXX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX/XXXX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX  BANK XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX  BANK XXXX XXXX XXXXXX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXXXX/XX/22 XXXX XXXX22 XXXX XXXX XXXX XXXX/22

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 2023-08-21
Company: CORELOGIC INC
State: GA
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:
603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, 1 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; CREDIT REPORT OR CREDIT WORTHINESS VIOLATED MY RIGHTS!

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 2023-08-21
Company: GVA Holdings, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
signed up and it was supposed to cost XXXX a month but company took an lump sum of XXXX out of my account ive emailed and called the company many times to get refund but phone rings and goes to automated system and beeps

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I used a Bank of America ATM to withdraw the entire amount of my unemployment money. From that point on, someone started monitoring my account on XX/XX/23, for approximately 2 weeks, until it was there was more money available. At that point they emptied out my account so that when I went to the grocery store, I had no money to buy even {$20.00} worth of grocery. I really need my money for grocery and to pay my rent and can not afford to wait for 90 days to recoup my lost funds because I'll be evicted.

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