BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a serious issue I have encountered with a collection agency XXXX XXXX Despite sending them a debt validation letter requesting proof of the debt on XX/XX/2023 they are attempting to collect from me, I have not received any response from them even though it has been more than 30 days since I sent the letter. I believe this behavior is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires collection agencies to respond to debt validation requests within 30 days of receiving them. I am concerned that this collection agency is attempting to collect a debt from me without providing me with the proper documentation to prove that the debt is legitimate. Furthermore, I am requesting that the collection agency delete this debt from their records as they have failed to comply with the FDCPA. I believe that this is a fair request given the circumstances, and I ask that you investigate this matter and ensure that the collection agency in question is held accountable for their failure to comply with the law.

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 2023-07-10
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase is stealing peoples escrow overages money. On XX/XX/XXXX a {$4500.00} check was supposedly sent to me for the overage in my escrow account after an escrow analysis was done for XXXX. The check miraculously never got to me. So on XX/XX/XXXX they deposit back to my account because I never received the check. They did another escrow analysis and came up with the same results on XX/XX/XXXX and sent me the exact same amount in a check in an escrow statement. What a surprise I never received it. They then re-deposited that same amount on XX/XX/XXXX back to my account because again, miraculously I never received the check. I filed a complaint with you all. In retaliation they did a third escrow analysis and somehow, miraculously, they completely changed their analysis just 12 days later, and deemed that amazingly, every XXXX that they were supposed to send me, was now all of a sudden being used up for XXXX for taxes. in their first two original analysis just two weeks earlier, because of the overage they had reduced my mortgage payment by {$200.00} a month. Mind you they did to escrow analysis within a 30 day period. Then, as soon as I filed a complaint, they did a third analysis, my mortgage payment went up higher than it was, and all of a sudden my escrow overage is XXXX out exactly. Thats quite convenient. I have a letter from the XXXX XXXX tax assessors office, stating that my assessed value is not even close to what theyre determining for XXXX. I also spoke to someone at the county assessors office and there have been three people that Ive complained about the exact same thing from Chase. Oh, and heres another coincidence, the third escrow statement that they sent me that did not have a check in it, it actually made it to my mailbox. What are the chances. Chase is stealing peoples money by making up false escrow amount that are needed. I closed my house in XX/XX/XXXX. At that time 12 months of increase taxes by the millage rate was collected for XXXX. In XXXX my taxes did not go up so theres that entire amount of overage that was still in my account. XXXX. Youve already collected for a year with my payments from last year. Where is the extra money. They are doing this to multiple people. I have documentations from the county assessors office that the amount that they miraculously came up with on their a third analysis is incorrect. Im speaking with the Arizona Attorney General, because luckily I have family members that can allow me to speak with that department and Im going to file a formal complaint. Please see the screenshots that I provided. Like I said, its amazing that the first to escrow analysis statements that had the checks and Im never made it to me but as soon as I file a complaint with you all the third escrow analysis thats done not even 30 days later all of a sudden doesnt have a check in it and it makes it to me..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Carvana Group, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Failure to pr

ovide the following : 1 ). Full disclosure of my right to rescind. 2 ). Transparency regarding the process of the consumer credit ap
plication being the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that Carvana, LLC willingly and knowingly took advantage of me and my consumer credit. 

I was given false and deceptive information ( violation of 1692e ) as I was told that a down payment of {$1500.00} was needed to have the vehicle delivered. Pursuant to 15 USC 1605, a finance charge is sum of all charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Aspen Yo LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for XXXX funding and had a completed HAF application pending but Gregory Funding proceeded to foreclosure without waiting for DHCD to finish up the process. I contacted XXXX many times about this. XXXX told me it would work with XXXX ( the state agency rolling out XXXX ) but it never did so and elected to proceed to foreclosure sale where it bid-in the property. So, there was no third party purchaser. 

I believe XXXX violated XXXX law you are required to enforce and its duty of good faith under Maryland regulations. If they did this with me they probably are doing it with others and you are allowing them to do business in Maryland and elsewhere. That is wrong. 

Under Md. XXXX XXXX. XXXX XXXX has a good faith duty to pursue loss mitigation when possible. It was possible in my situation as my HAF application was completed and seemed to be approved by the underwriters. Under 12 U.S.C.A. 2605 ( k ) ( 1 ) ( C ) XXXX had a mandatory duty to avoid foreclosure but it also violated that mandatory duty and proceeded to foreclosure while my confirmed, completed XXXX application was being processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Applied for a business credit card through JPMorgan Chase Bank. I was informed it would not affect mt personal XXXX XXXX. Received a letter stating I got declined due to my XXXX XXXX. Chase Bank pulled a hard inquiry on my personal credit report affecting my score. Letter states my XXXX XXXX from XXXX is a XXXX. I immediately went on XXXX and noticed my score was in fact a XXXX. I also noted the same inquiry was pulled on XXXX. I was informed before the process that my personal credit report would not be affect because it's for my business. Misleading information from Chase. I contacted Chase and they informed me that they could not explain how they obtained a score of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased an outdoor patio set on XXXX XXXX on XX/XX/2022, in the amount of {$49.00} from an advertisement claiming to represent XXXX XXXX. Shipping was to be delivered between 3-7 days. I began to become concerned after XXXX removed the merchant advertisement, several days later due to fraudulent activity. I tried contacting the merchant. The telephone number was from another company called " XXXX '' in California and was disconnected. I never received a confirmation order or tracking number. Today is XX/XX/2022 and I have not received any merchandise to date. I filed a dispute with Chase : my bank, however, Chase declined my dispute. Upon requesting a reason I was told that their decision was based on the Merchant providing a tracking number. However, Chase will not provide me with the tracking number or documentation based on their investigation for at least ( 10-20 business days from today ; XX/XX/2022 ). This has caused my account to be overdrawn and has caused hardship for my family at a time when we are recovering from XXXX XXXX 's extensive disaster damages. ( XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX ) We contacted our local Post office to find out if there had been any undeliverable packages to our address and we were told that there is no record of any packages delivered or returned from my home address ( which is the same address given to the merchant and the same address on file with my bank, Chase ) XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX. We also contacted XXXX and XXXX for possible returned packages and received confirmation from both that there is no record on file for any large deliveries received or returned from our address. This package would actually be quite substantial in terms of weight, length, and height as this is a completed 8-piece Alumnium Outdoor furniture set with cushions and a fire pit. Please see attached images of my order taken from my cell phone. I also contact XXXX XXXX he they have advised me that they do not have any affiliation with this merchant and that the merchandise is not and has never been part of their inventory. I believe the bank has made a decision without actually verifying if in fact, ( a ) the tracking number is valid, ( b ) any weight or height declared of the delivery, ( c ) if the package was ever delivered to my correct home address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Investigation took more than 30 days

Complaint:
They sent me a letter via email : I can also see another dispute in process. This was initiated on XXXX XXXX file number XXXX, estimated completion date XX/XX/XXXX. You should received a notification about the result of this dispute soon. 

We want to make sure any mistakes on your credit report get corrected as soon as possible. It looks like there was a communication issue with TransUnion that prevented us from getting a status update about your recent Direct Dispute request. 

Heres what to do next : Check your TransUnion credit report to see if the error you disputed is still there. 
If that error hasnt been updated or removed, submit a new dispute request directly with TransUnion at https : //dispute.transunion.com. ( You'll need to create an account with TransUnion and follow their steps. ) TransUnion will alert you of your dispute status. 
XXXX XXXX will cancel the dispute you initiated with our Direct Dispute tool. 
Youll get a follow-up email from XXXX XXXX that your dispute was cancelled. This doesnt affect any disputes you initiated directly at TransUnion and youll still be able to submit disputes with XXXX XXXX in the future. 
Make sure to take action so that your disputes get resolved. 

I hope this information helps you. Remember you are very important to us, if you need more information don't hesitate to contact us back again. 

Thanks for your preference and for being a valued XXXX XXXX XXXX. 

Regards, XXXX XXXX XXXX Support ref : XXXX : ref I requested validation through a direct dispute with TransUnion by providing my original signature, that I agreed to these negative accounts to show that their was a meeting of the minds agreeing to these accounts and their terms. I filed my dispute on the XXXX XXXX site directly with TransUnion on XX/XX/2021 and today is XX/XX/2021. This is thirty one days without completion and all negatives has not been removed. Please remove all of my disputed accounts.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2022-10-20
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX to : Equifax Equifax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 Re : Unauthorized Credit Inquiry To Whom It XXXX Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The following inquiries, I believe are or may be part of FRAUD : Inquiry : XXXX  Date of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX Contact : Not Available Inquiry : XXXX Date of Inquiry : XXXX Contact : Not Available Inquiry : XXXX XXXX XXXX XXXX XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX  Date of Inquiry : XXXX Contact : Not Available

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: CAINE & WEINER COMPANY, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello there my name is XXXX XXXX XXXX XXXX I am filing this complaint regarding company Cain and Weiner partial account number # XXXX XXXX. I was made aware of this negative collection account through XXXX credit bureau in which I am enrolled in fraud detection I spoke with two Representatives XXXX also XXXX of XXXX credit bureau for Department I was also enrolled at the time of this listing I have never heard of this company ( Cane and Weiner ) I have made numerous disputes with the debt collector as well as XXXX. Please be advised that I was referred to the CFPB by the XXXX credit bureau fraud department this negative collection account has put me in extreme hardships as it is reported to all three credit bureaus about this negative account that was illegally without my consent. I am also including a screenshot of my credit report showing this account. I have also contacted the debt collector they have no record of me on file yet it is on all three of my credit reports affecting me in a major way I need this account removed permanently please my rights were violated as a consumer. The amount of the collection is {$180.00} the date of this wrongful collection account was reported on my credit XX/XX/2020 State before I was made aware of this fraudulent negative account by XXXX representative XXXX of the fraud department

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: MT
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:
XX/XX/2022 I sent out a letter to all three bureaus asking them to provide the method they used to retrieve their information. They responded that they receive their information from XXXX XXXX and bankruptcy court in XXXX, MT. XX/XX/2022 I sent another letter to all three bureaus disputing the information and that they were violating my rights. The information came back as verified by all three bureaus. My information was frozen with XXXX XXXX as of XX/XX/2022 and my bankruptcy was deleted with them XX/XX/2022. I was sent a print off from the bankruptcy court website by the clerk of court, proving they did not provide these companies with my information. This notice of complaint will also be sent my attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: MI
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:
Atnt constantly post an old sold off debt for the amount of XXXX to my credit knowing full well that it has been paid multiple times and refuses to correct the issue even WITH proof of payment and I need this fixed immediately as they have sold this debt off multiple times and receive payment for it multiple times it is damaging my credit terribly and they refuse to correct it and I want something done now I have my own legal help as well and Im suing because of this matter

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 2022-02-16
Company: FinCo Services Inc DBA Current
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I noticed an unauthorized ATM withdrawal of {$400.00} from my checking account with Current XXXX Bank. I called Current immediately but was told I have to wait until the {$400.00} is posted/withdrawn. On XX/XX/2022, the money was withdrawn. I filed a dispute the same day. The ATM withdrawal happened in XXXX, NY, I was in XXXX, NY at the time. I live and work in the XXXX. I sent receipts from the post office and the supermarket showing my location close to the time the unauthorized withdrawal happened. My location on Current app was on and it showed my location at the time. I still have possession of my debit card, so I have no idea how the person was able to withdraw the money. I have no idea where or the name of the merchant the ATM machine is located in XXXX, NY. Current did its investigation and said there was not any fraudulent activity so I will not be credited the {$400.00}. Current will not give me any information that was used to make their decision. Also, Current will not give me the information of the merchant where the unauthorized withdrawal was made. Current is not a bank. It is an online financial technology company. Their services are provided by XXXX XXXX XXXX. Current stated they will not appeal their decision if I do not provide more documentations or receipts to prove that it was fraudulent. All of my ATM activities were all from the same ATM machine in XXXX on XXXX XXXX in the XXXX. Even the stores that I go to and get cash back are in the XXXX. I have direct deposit from my job that shows I work in the XXXX. I gave them all that I had but Current refused to give me the evidence they have. 

I have enclosed the receipts I sent Current to show my location.

Company response to consumer: Closed with monetary relief