BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a XXXX title loan from TMX on my XXXX XXXX XXXX. I paid approximately {$5200.00} back but still did not pay off the loan and receive my title back. 

Around XX/XX/XXXX, I had to complete a number of repairs that were valued at {$2300.00}. I had fallen behind with Titlemax and let them know that the car had been in the shop, the amount of the repairs completed and asked if they would be willing to take a settlement. The individual I spoke with said I still owed approximately {$3900.00} even after paying the {$5200.00} but that they were willing to accept {$500.00} XXXX accepted the settlement and informed them that I would be able to make the payment in 2 weeks. Before the 2 weeks passed an individual - hired by Titlemax and acting on their behalf- came to my home, cut the lock on my fence & entered my backyard, removed the car, was armed ( but did not point the XXXX at me ) and forcefully removed the vehicle from my backyard while I stood there less than 10 feet away. 

I have a video of the individual on my property on multiple occasions casing the property as well as a video of the individual the night they broke in and illegally removed the car. 

In addition, the individual damaged my fence allowing my dogs to escape. My lawn mower that was near the vehicle was also removed but I did not notice until a couple of weeks later, I filed a police report for cutting the lock, trespassing and breach of peace during a vehicle repossession. 

I was informed today at XXXX XXXX that the vehicle is scheduled for auction tomorrow morning and the only way to resolve the issue is by paying {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
My score dropped 53 points because I paid down on an account. I thought the idea was to have low debt in order to achieve a higher score. I feel this is wrong.

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX/Reported : XX/XX/XXXX Reference # : 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 XXXXXX/XX/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 2023-05-03
Company: Pacific Credit Exchange Corporation
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: Problem with personal statement of dispute

Complaint:
I purchased a XXXX XXXX used XXXX XXXX from a car lot in XXXX. I paid the car off. They never sent me the documents. Since then the original lender went out of business and now they sold my contract to a 3 rd party. 
O have been trying for several years to get XXXX and XXXX to help me get this inaccurate info off my credit report. 
First of all its been past the 7 years, and they are claiming I owe them {$3.00}, XXXX dollars. The car did not even cost that much, and Im still in possession of the car. They are lying about everything, and some how they are extending keeping it on my credit report. I dont know who the creditor is, and I have never spoken to them. I did try and call the original company a few years ago, but they are no longer in business. 
Also they are reporting that the date The account was opened was in XXXX, XXXX. And thats not true at all. Id like to see copy of my original contract and how they came up with the amount of XXXX dollars. 
No one is trying to help me. 
Some of the information on my report is not correct, such as past address, name, birthday, and employment.

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 2023-02-03
Company: Halsted Financial Services, LLC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
URGENT HELP- This is regarding a Debt the only Debt that is only Credit Report on all credit Bureaus, I have been trying to resolve this matter for the past XXXX to no avail. At this point I am trying to close on a home and this debt on my credit report is stopping everything in its track. I have contacted the XXXX XXXX, which was XXXX XXXX XXXX XXXX  {$480.00}, which they never sent me any documentation stating this account was mine or that it had been sold. I then get which is now what is appearing on my credit reports XXXX XXXX XXXX XXXX XXXX, which I have contact them on countless times, non the less I have not received any written documentation only what appears on my credit report. Then I get a email from a company that is called XXXX, which states that they now have the account and that they will settle the account, however when i contact them, the advice that they do not have the account that XXXX has the account and then XXXX says they have the account so it's been the run around, no one can give me any documentation or no one can tell me if this is my account of at this point how do i pay it off. They can not even tell me whom i can pay it too because everyone is denying they have the account this is stopping me from getting pre-approved for a home, these are the numbers the contact numbers and the account numbers XXXX reference number to XXXX ORIGINAL CREDITOR LAST XXXX DIGITS XXXX, I have never received any reference number or any XXXX I am not sure what number this belongs to. Documentation from XXXX or any account number or reference number it is just on my credit reports, XXXX XXXX, XXXX, XXXX. At this point I wish to have this REMOVED off all XXXX credit bureaus as soon as possible of if someone can please help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was compromised and I'm being accused of the actions made which were not me an wells Fargo took XXXXXXXX XXXX  and wrongfully closed my account I want my money back I will refile as many times as needed to get money back that's rightfully 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 2023-09-07
Company: EQUIFAX, INC.
State: AL
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:
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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I obtained a loan from Planet Home Lending on XX/XX/XXXX. My insurance agent provided Homeowner 's insurance and Flood insurance quotes and the premiums were paid during closing. 
Problem # 1 = insurance information was never updated on the portal! 

A bit later I found out that Planet Home Lending decided that the property was in zone A ( though FEMA map shows it in zone X ) and requested my insurance agent to find the quote for zone A and additional funds were disbursed to pay higher insurance. 
Problem # 2 = I was not informed, not a single letter, email, etc. All of this was done behind my back and my insurance agent told me that Planet Home Lending assured them that I was aware. 
Problem # 3 - FEMA shows that the property is located in zone X and the original flood insurance I had was sufficient to cover for flood insurance. 

in XX/XX/XXXX I received a letter from Planet Home Lending informing me that I did not have an active flood insurance and that I needed to get one, otherwise PHL would purchase an expensive one for me. That sounded like a fraudulent scheme ( similar to the ones other consumers suffered from based on multiple complaints found on the web ), how can the same company who requested to charge more money for the existing flood insurance now XXXX months later tell me that I did not have any flood insurance? 
when I received that letter, I uploaded proof of insurance to the portal address provided and sent a paper copy proof for homeowners and flood insurances to the address provided in the letter. 
in XX/XX/XXXX I found out that Planet Home Lending fraudulently charged me for the second flood insurance {$2200.00}. In addition Planet Home Lending is planning to charge me additional {$370.00} for XXXX XXXX XXXX XXXX  insurance on XX/XX/XXXX, which is the second XXXX insurance on the same property, this looks like an attempt to fraudulently use my escrow funds to purchase additional insurances not required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Duvera Billing Services, LLC
State: NV
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I'm a XXXXXXXX XXXX  on a fixed income. I needed a service dog & went to XXXX. I was given one price upon purchase but then EasyPay Finance had doubled my payments every months. A dog for {$3000.00} will cost {$9000.00} in a years time. I must borrow each month to eat and pay my bills. It's killing me! 

Please Help Me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/22 The check was deposited in the amount of {$11000.00} XX/XX/22 Account was closed due to error on check where my name was put on the memo line and the source of the funds was put on the payee line XX/XX/22 submitted documents to prove funds were mine XX/XX/22 Chase bank has no record of documents being submitted XX/XX/22 resubmitted documents and was told a 1099 liking me to the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have my mortgage with MrCooper. I am trying for months to arrange an appointment for an appraisal in order to be allowed to drop the PMI of the mortgage. Eventually, I managed to submit the request for the appraisal on XXXX, XX/XX/XXXX. I was told that someone is going to contact me to arrange the day and time of the appraisal. No one did that. So, today ( XX/XX/XXXX ) I called to MrCooper again in order to follow up with my request and arrange the appointment for the appraisal, but I was told that I will have to wait for 30 to 45 days for someone to call me for the appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I initially applied for XXXX in early XXXX and received notification from Aidvantage that it was approved for {$0.00} payments on XX/XX/XXXX ( see attached approval ). Later, on XX/XX/XXXX, I received notification that my deferment/forbearance would be ending that I did not sign up for. 

I called last week and requested clarity about whether my account is in XXXX or in administrative forbearance. I was told over the phone that my account is in XXXX for {$0.00} payments, but my payment page states that I am in administrative forbearance that ends in 32 days ( see attached loan printout ). The loan officer denied that my account says this and stated that I am enrolled in XXXX. 

Also, when asking about how XXXX plan interest works, I was told that interest is only eliminated on Subsidized loans, not Unsubsidized, so that is why my interest is not being forgiven. However, the federal website states, " The XXXX XXXX eliminates 100 % of remaining monthly interest for both subsidized and unsubsidized loans after you make a scheduled payment. '' https : //studentaid.gov/announcements-events/save-plan Therefore, I was given incorrect information. Then, they started discussing XXXX, which I did not ask about nor do I qualify for. Loan servicers are not trained appropriately to guide us on repayment or even account status. They blatantly give incorrect and unhelpful information. 

I would like my loan servicer to address this issue and return my account immediately to the XXXX plan, as my account is now growing interest that will then not be " eliminated '' with 0 dollar payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: VA
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:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, and 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 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 2023-12-18
Company: EQUIFAX, INC.
State: OH
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:
Account name : XXXX ; # XXXX, XXXX XXXX XXXX : XXXX ; # XXXX, XXXX : XXXX ; # XXXX, XXXX XXXX : XXXX ; # XXXX, XXXX XXXX XXXX : XXXX ; # 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  : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-09-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Im a victim of identity theft I have been trying to correct inaccurate information on my credit file for the past two years. This my second attempt to correct these errors. Im aware that according to FCRA 611 ( 5 ) ( a ) that if the consumer states after the 15 day reinvestigation that an item of information is inaccurate it must be promptly removed or corrected. Im demanding that these agencies correct my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX credit card/XXXX have not updated my balance owed. It have been over 30 days and its affecting my credit score. The balance is suppose to update every 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
PROBLEM IS WITH B.O.A. ( bank of America ) 1 XXXX XXXX paid for Future cruise deposit to XXXX XXXX XXXX total amount {$600.00}. Paid for by debit card, number ending in # XXXX 2 Last week in XX/XX/2015 debit card ending in # XXXX was stolen, subsequently requested new card which was issued with of course another number!!!!! 
3 XXXX XXXX cancelled my ( our ) future trip and requested that the {$600.00} to be deposited in my XXXX account with XXXX. ( XXXX XXXX XXXX  ) to be used for future travel. 
4 XXXX XXXX requested XXXX. to refund my money which was going to be deposited to my old debit card number. pointed out that this card was not valid anymore, was told not to worry because Mastercard/B.O.A would take care of this! 
5 No credit received by XXXX XXXX, subsequently wrote letter to XXXX. 
corp. office which responded informing me that money was indeed transferred to my mastercard ending in # XXXX ( see attachment 1 ) 6 XXXX XXXX filed claim with claims department B.O.A.confirmed but claim was processed on my wife 's name who never talked to any claim repr. ( see attachtment ) 7 Called and wrote to B.O.A. pointing out their mistake ( see att ) ( no response ) 8 Contacted XXXX. in beginning of XXXX to request transaction numbers send y email ( see att ) 9 Contacted B.O.A. claims department requesting further investigation provided transaction numbers ( see call sheet att. ) XXXX XXXX-XXXX 10 XX/XX/XXXX was informed nothing could be done. ( see callsheet att ) This is where the problem stands today, having been a customer of B.O.A. for well over 19 years they treat me as a piece of " XXXX '' As you can imagine I am thoroughly disgusted with this so called banking institution being proud on their so called customer service. If we were talking about a {$10.00} amount I would gladly donate to B.O.A. so their profits would be a little bigger than XXXX XXXX dollars plus for XXXX.but {$600.00} is just too much for my banking friends My dad taught me expect the " XXXX XXXX '' but never accept it!!!!! 

Really hope you can solve this issue for me. 

thank you

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