BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 had a newly leased vehicle with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX The vehicle was totaled. My insurance company XXXX XXXX ) attained the pay off for the vehicle which was {$20000.00}. This was exactly what I owed and matched my pay off on the XXXX finance website under my account. XXXX sent them a check on XX/XX/XXXX. Subsequently, I received a bill for an additional {$3300.00}. The XXXX XXXX company stated the vehicle was valued at {$23000.00}. They have asked for me to pay the difference. My insurance company contacted them and got the payoff for the car. I don't believe I should have to pay for what they VALUED the vehicle to be, I paid what I borrowed and ultimately owed after making the monthly payments for a few months. They have put it on my credit report as past due on XXXX, Transunion and XXXX. I have a letter from my insurance agency to XXXX, it reads " Contact was made with XXXX XXXX XXXX on XX/XX/XXXX, requesting the payoff amount for XXXX XXXX leased XXXX XXXX XXXX. During this contact, a Lease Payoff of {$20000.00} was quoted. The telephone representative advised once the lease payoff was received the lease would be closed and title issued too XXXX  '' I have notified the credit 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 non-monetary relief
Consumer complaint received 2018-04-20
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello XXXX and XXXX, this is again a very confusing arrangement we have I have just received a payment notice change which I have attached and yet you are proceeding with a sale and I am yet to receive any communication on the re instatement of my loan or proof of the returned 12 months of payments for XX/XX/2017. Please call me to explain this.. 

Again Ditech is violating codes of the California civil sections 2924.11 2923.7 and the are in violation of the business code section 17200.et seq and most of all ACCOUNTING!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: RELIANCE FIRST CAPITAL LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had inquired about refinancing an income property, with Reliance First Capital. After answering all their question and supplying all the requirements. I was told that as long as my appraisal was for enough we would be all set. After paying for appraisals was told everything is all set it came back well above what was needed and now just to update paperwork, which was done with in the next week. Approximately a month latter and they, then pulled the financing and wanted me to spend more money on cosmetic updates to the house and repairs to the barn, ( which is what some of the cash out money was to used for ), along with new and different inspections again looking for more money before they would continue. It was latter disclosed to me, that they had also contacted the appraiser and want/had the finished/final appraisal changed in order to not fund the loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-22
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account on the Coinbase website has been under review since XX/XX/2021. 
I can not sell, buy or withdraw my money. I have contacted the technical support to unblock my account but they do not give me any solution ( attached conversation ).

When I open the Coinbase website I get the following message : ( Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status. ) Six months have passed and there is no way to fix the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-28
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I took a loan out for {$15000.00} approximately in XX/XX/XXXX. The car payments were being made automatically out of my checking account. 

In XXXX I'm told that I'm being sued from credit acceptance XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX through XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX I told XXXX XXXX XXXX that I wasn't aware the payments were not being made. Granted I should balance my checking, but I know the amount of money approximately going on so I know I'm safe. 

I never received any notices from credit acceptance stating they were going to repossess the car so I was confused. XXXX XXXX XXXX set me up on a payment plan for {$650.00} s month. I told them that amount was too much they said that was all they could do. I wasn't able to come up with the {$650.00} however the next month I post dated a check for {$650.00} to catch up. 

{$650.00} is too much but I was forced that amount for payment. Now my case has been reopened. 

I wasn't treated right by credit acceptance when I tried explaining the situation. I never received any paperwork from credit acceptance. Upon my own investigation I found out that credit acceptance used my insurance agents address for my address. This would explain why I wasn't getting paperwork from credit acceptance corporation. If I was that far behind on my car payments then I would have received a car repossession. I haven't used XXXX XXXX  in XXXX XXXX for my insurance in years. I can't help that the loan was set up with the wrong address. 

Please help me. It's not right that a company can say they tried contacting you and sent you multiple letters when they entered the wrong address in their system from the start of the loan. Then years later they lie and say they sent me 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
Consumer complaint received 2021-11-01
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Good afternoon, I fear this is a complaint heard around the clock at the CFPB. I am enrolled in the PSLF program, and have been for very nearly 10 years. My loans were set up in eligible payment plans with all of my loan servicers over the years- XXXX, XXXX XXXX and currently FEDLOAN. 

My current account in FEDLOAN shows payments made to prior servicers, but does not present accurate data regarding amount, date, or repayment plan. I expect this is due to the transition between servicers and the data not being vetted for completeness. 

I have tried to request a manual recount in early XXXX, but did not have any follow up. While requesting the recount, the agent confirmed that many if not all of the payments should be eligible, but for whatever reason were not being captured that way. For older loans, I have made 160 total payments, with 108 showing as 'ineligible ' for issues relating to data management at FEDLOAN. 

Submitted my first PSFL certification form in XX/XX/XXXX and each subsequent year, and the same issue has plagued my recount. At this stage, I have multiple loans that are eligible for PSFL, however since at least XX/XX/XXXX, no action has been made at FEDLOAN to address inaccuracies in my payment count. 

I would like to have FEDLOAN reevaluate my payment history to prior loan servicers and update my payment history to capture eligible payments under PSLF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04
Company: Bread Financial Holdings, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
To date I have 8 different phone numbers from a company that says they are from XXXX XXXX regarding my XXXX XXXX account. I think the name they are wanting is XXXX XXXX ( hard to hear the name. ) The phone calls have started XX/XX/2019 to todays date XX/XX/2019. As of this date I have received 117 calls from this company. I do have the dates and times they have called. I also have the phone numbers they are using ( adding a new phone number today. ) I have since turned off my answering machine. This is the list of phone numbers they have been using : XXXX ( new one today ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Bank of America Cash Rewards World Mastercard Card. 

Automatic payments are a 2 step process. 
First a 'ebill ' is created by BAC at statement close plus 1 day, which has minimum, statement, account balance and such. 
Then the 'AutoPay ' picks the data at plus 2 days from the 'ebill ' and makes the chosen payment. 
Any subsequent credit or payments DO NOT change the 'eBill/AutoPay ' process. 

I can not imagine why except that this is a scheme to get around the 'credit/payments to be applied to required payments first ' rule for consumers. Since the AutoPay is based on the early eBill, BAC claims the amounts from the eBills have not changed despite credits and payments since eBill creation. Thus. consumers pay more than required by rules. 

Every other card I have reduces the required payments to reflect credits and payments first - as I believe the rule requires.

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 2019-10-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
contact company about incorrect information on report and company refuses to take information off

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 2019-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
contact company about incorrect information on report and company refuses to take information off

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 2023-05-12
Company: EQUIFAX, 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Inhave accounts on my credit that i never created. Is this legal? I never applied or obtained any credit XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed Hide closed ( 1 )  STUDENT LOANS XXXX XXXX Reported : XXXX XXXX, XXXX {$22000.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX {$250.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX {$300.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$590.00} Needs Attention XXXX Reported : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX   XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( 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 2019-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
i received a hard inquiry on my credit report from XXXX.this was from Capital One Bank.I monitor my credit through XXXX XXXX.Trying to improve my credit XXXX XXXX recommended an offer to recieve a cc from them the odds were good.I did not because of there interest rate.Not a week later i get this inquiry and my score drops quite a bit.I contacted XXXX XXXX no help.I called Capital One today XX/XX/19 was told they cant do anything but told me they have no record of me applying for credit with them.Called XXXX XX/XX/19 said nothing they can do i should contact Capital One.Back and forth.Now i guess i will have to send for the forms to dispute it wait do all that and then wait 45 days for a response.They admit i never submitted any document for credit with them Capital One.Then i dont understand when i did not accept the offer to apply for this card under recommrndation from XXXX XXXX a week later i get this hard inquiry that they should not have done

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
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:
In accordance with the fair credit reporting Act XXXX  Accounts # # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX  # XXXXXXXX XXXXXXXX XXXX Violated my rights 15 U.S.C ( 1681 ) SECTION 602 A STATES THAT I HAVE THE RIGHT TO FAIRNESS, Impartiality, and privacy 15 U.S.C 1681 Section 604 A Section 2, 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 2022-08-10
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Chase Wire Fraud Events XX/XX/XXXX - Received a phone call from the Chase Fraud Department phone number. Her name was XXXX, she had all my information. Stated fraud of my company debit card and we needed to cancel it. Phone call dropped due to service connection. A few minutes later I see the email that states a {$25000.00} wire transfer was just performed from my business account XX/XX/XXXX - Immediately called the number provided for Chase Fraud Protection in the wire transfer email, was put on hold for a call back in XXXX min. Received numerous calls in from the same Chase Fraud Number, one of which was the same fraudulent XXXX once the wire from our personal account was stopped. We spoke to numerous representatives during the entire day. The personal wire was stopped, the business wire was not. 

XX/XX/XXXX - The representative told me he was creating the forgery packet and would mail it out. Said I would get an email and a secure message in my message center of the claim. I got none of these things. 

XX/XX/XXXX - On vacation, I left our camp and went to the closest Chase branch in XXXX, MI and had the banker print the forgery packet. I signed it on XX/XX/XXXX and he sent it based on the institution 's instructions. His email verification is included, as well as the ORIGINAL signed forgery packet sent in on XX/XX/XXXX XXXX - Called numerous times to check the status, each time I was told it was in investigation. At first, I was told it was going to be answered in XXXX days, then 15 days. 

XXXX - I stopped into our local Chase branch when we returned from vacation on XXXX and she was told there was no record of the forgery packet sent from MI XX/XX/XXXX so we sent it again from the local XXXX, IN branch XXXX I was told it was in processing. Gathering documentation from this representative as well. 

XXXX - Still no word or credit from Wire Fraud - Called in again and was escalated to supervisor XXXX XXXX, She said the forgery packet which had been sent TWICE from CHASE BRANCH BANKERS had not been received. She told me to go into the branch again and they would email it and upload it directly to the supervisor. 

XXXX - Go into XXXX, XXXX branch again and resend the same document which had been sent two other times before. We are told XXXX days now that the supervisor had it. 

XXXX - Get a letter dated XXXX from Chase that the forgery packet had not been received and thus my case had been closed XX/XX/XXXX - Call in once again to check the status on the THIRD receipt of the forgery packet after 8 days and was told they had the packet and received it XX/XX/XXXX, but there was no update and it was still under investigation. She would not escalate the call. I told her I was filing a claim with the Consumer Financial Protection Bureau and would move forward with legal action due to the 30 days of time lost, business funds kept, and documents lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: NY
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:
I Am a PROTECTED CONSUMER. I know my rights. I sent this company a official statement letting them know that I was a victim of identity theft. there were to remove these fraudulent items 4 days after receiving my statement on XX/XX/2021, but these items are still on my credit report. I feel violated and there are FCRA LAWS in place to protect me against this abuse .I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. DO NOT USE THIS STALL TACTIC " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' If you try to use this stall tactic, then I will use it as evidence in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, 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:
15 U.S.eeC 1681 Sectiqn 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ive never lived at these addresses, someones been using my identity XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: AmeriCash Holding LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The Creditor listed is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, MO XXXX Re : Ameri-cash loans Debt Stated {$380.00} Tried on multiple occasions to contact collections agency by phone ( XXXX ) XXXX based on number outlined on credit report. The system states it is unable to verify with last four digits of my SSN, and does not connect to a person ever. 

I have also disputed with Credit unions, but no verification of debt was provided to me. They simply returned a finding of valid debt to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 a withdrawal was done from my Chase checking account of {$260.00} from an ATM. Chase alerted me of the suspicious activity and I advised them I had not authorized the transaction. Chase Bank refunded me the {$260.00} while they made an investigation. Approximately 3-4 weeks later, Chase advised me that they would not be refunding me the {$260.00} anymore because the person that withdrew the money use the correct PIN number on the first attempt. Chase advised me that the withdrawal was done in an ATM in XXXX, TX in a bank called XXXX XXXX XXXX. I advised Chase I have never traveled to Texas and I was still in possession of my debit card. Chase stated they couldnt do anything more since they had already done their investigation. 

I made a police report with the XXXX Police Department and informed Chase fraud department about the report but I have still not heard anything back.

Company response to consumer: Closed with monetary relief