BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-29
Company: Experian Information Solutions Inc.
State: CA
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:
XX/XX/XXXX : I noticed unauthorized accounts on my credit report and I contacted ; 1. Federal Trade Commission ( report ID Theft ) XX/XX/XXXX 2. XXXX County Sheriff 's Dept ( to file a police report ) XX/XX/XXXX 3. Each creditor in question ( XXXX XXXX XXXX, XXXX XXXX XXXX. & XXXX XXXX ) XX/XX/XXXX XXXX. 3 Reporting Credit Bureau 's ( Experian, XXXX & XXXX XXXX ) XX/XX/XXXX The creditor 's & bureau 's refuse to block these accounts and continue to allow these accounts to effect my credit negatively. I have still not received a response fron the Bureau 's nor the Creditor 's.

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 2018-03-15
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have advised XXXX XXXX XXXX, XXXX that I am not obligated to pay a 3rd party on charged off account. I have asked them to remove my cell phone number XXXX from calling and they continue. 
This company is also reporting on my credit report as 30, 60, 90, 120 past due and the balance is same {$370.00}. I have asked them to remove these late payment marks because I am not within a contract with them only Best Buy, they have refused to. I have my consumer rights and this company has broken them.

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: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
[ NOT A DUPLICATE COMPLAINT ] I previously filed a complaint against Chase for failing to fulfill their mortgage guarantee program and received their response. But their response is not reflecting what happened. I sent in my response and reopen the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
Improper use of credit. There is a unauthorized inquiry that I did not consent.

Inquiry needs to be removed immediately.

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 2018-08-28
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was contacted on XX/XX/XXXX along with three family members from XXXX XXXX XXXX XXXX XXXX-XXXX-XXXX-XXXX regarding some claim. I contacted on XX/XX/XXXX and spoke with XXXX trying to obtain further information regarding said claim and to probe as to the continuous harassing calls family members have been receiving. When I attempted to probe about steps to validate debt and receiving documentation I was advised by XXXX I would have to reach out to the original debtor who will then forward me back to XXXX. 

I spoke with XXXX XXXX on XX/XX/XXXX and simply asked for validation of debt and requested for paper documentation regarding debt. XXXX became abusive in language and began accusing me for owing this debt, stated that information on my credit report reflects a great amount of judgements against me and that I don't pay my debt and that I was going to court and to jail regarding this matter. I attempted several times to request documentation regarding debt as this is the first time I have been made aware of any debt that was owed and not fully paid back. I was not able to receive any information regarding debt as XXXX XXXX attempts were to have me acknowledge debt. I have no clue who this person is and I didn't feel comfortable verifying anything over the phone without first understanding the origin of debt, amount owed and what debt was for. 

I have requested two times today during my phone calls to utilize the stop calling option regarding my family members being called repeatedly during the last two days. 

I was unable to receiving any information regarding the debt and was not provided with any resolve to obtain debt information to have resolved. I also explained that I was part of a fraud alert and as a result I will not verify payment over a phone if I have no idea whom I am speaking with. 

XXXX hung up and threatened to sue and press charges regarding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: EQUIFAX, INC.
State: NC
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:
Equifax violated my Privacy Rights as a Veteran without my permission. Also spoke about my personal identity when there are laws against not protecting my name, address, and reporting false errors hurting my good name and FCRA. 
Equifax was hacked several years ago and just violated a few of my Privacy rights without even contacting me. 
Equifax had a chance to prove to me why they kept unknown collection accounts in my credit report. The last four years Equifax hasn't responded five times to my disputes. I mailed another dispute a week ago to Equifax I decided to file this complaint because they won't report my findings of errors as a Veteran. 
This has hurt my borrowing other monies and lost out on homes because I didn't meet score requirements because Equifax refused to remove errors while violating my Privacy Rights, electronic communications, non disclosure statues, user authentication rights, OMB Guidance on Computer Cookies, and Government Paper Work Elimination Act as a VA Privacy Policy and it's hurt me as a Veteran and consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
WERE DISPUTED FRAUDULENT ACCOUNT DUE TO ID THEFT WITH EXPERIAN MORE THEN 60 DAYS, EXPERIAN DID NOT SENT ANY REPORT BACK TO ME.

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 2018-03-15
Company: CURO Intermediate Holdings
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Payday Loans are illegal in the state of Arizona. 
I had no idea the interest rate would be phenomenal. 
How can they report to credit bureaus if they are functioning illegally?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I accidentally added non-ERC20 Ethereum address which I created at Coinbase to the dashboard of XXXX. I should have used ERC20 compatible Ethereum wallet address. After I made transactions, XXXX  sent XXXX tokens via a smart contract to Ethereum address which I created in Coinbase. 
I have invested about XXXX in XXXX tokens which makes XXXX XXXX tokens. I can wait for a ticket resolution for several weeks. In fact there is more you can do to assist me as I know that it is technically possible that you can transfer these tokens. 
The XXXX  XXXX XXXX has proof that there are tokens in address which is created in Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Credit Control, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am the consumer natural person making this report notifying Credit Control of there Federal violations pursuant to federal law. Pursuant 18 USC 1028a ( 2 ) is in possession of my credit card without my direct consent. Pursuant 18 USC 241 & 18 USC 242 Credit control LLC & XXXX are conspiring together to coerce payment from the consumer and both negatively affecting my individual credit reporting. This was an extension of credit from my credit card as defined by Congress in this Consumer Credit transaction. I envoke all remedies as detailed in my affidavit and civil liability for damages pursuant to 15 USC 1692K. Furthermore federal law states you need my direct consent and you do not have my direct consent to have my information or contact any farther about this debt which is an alleged obligation. I am the consumer here to enforce my rights and secure damages caused by your organization. If you shall find any of my claims frivolous I will need that in a sworn statement by the CEO of your company.

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 2018-03-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have an address reporting to my XXXX, XXXX and Experian credit report that is not my address.

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 2018-03-15
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank taken fund from my acct. i deposited 3 checks at the same time through mobile banking after a month from the time i deposit those check i ripped all checks. i found out they took all the money that i deposited. they said those check was presented again in 2 different banks and i dont have account on those bank. i insist that i ripped all those checks. i asked for help and went to the bank to get some help try but they cant answer me why they took my money without further investigation. i gave them a copies of those check but they said there is no trace of fraud. it is fraud because they took the money from me. they cant even help me. im so stress and confuse where to get help with this situation since they blocked my account and my tax money will go to that account. im not rich i live my life paycheck to paycheck but citibank is not helping me to resolve this. im so disappointed and lost ... hope somebody can help me to resolve this since citibank is not doing a there job.

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 2017-11-29
Company: EQUIFAX, INC.
State: AR
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 reached out to XXXX, Equifax, and XXXX  and explained to them that I did not authorize my credit to be ran by these companies and wanted the information deleted off my credit report. I was spoken to rudely.The issue was never fully resolved. The inquiries were removed at one point and were eventually placed back on my report and I was never notified the inquiries were placed back on my report. According to the FCBA that is against the law. I am requesting that XXXX, Equifax, and XXXX to remove all inquiries pertaining to auto loans due to not being notified. The inquiries are as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Clarity Services
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today, XX/XX/2018, I applied for a medical loan with XXXX. I was told my identity could not be verified but I provided all of my information. The representative stated they tried to confirm my identity with Clarity Services, XXXX and XXXX  but because of fraud alerts and security freezes, they could not. I contacted each credit agency and they have not removed the alerts and freezes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: HYUNDAI CAPITAL AMERICA
State: UT
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:
Vehicle loan # XXXX I refinanced my vehicle with my local bank in which a check for over XXXX was mailed off on XX/XX/XXXX. I called serveral times, for Kia Motors finance to tell me it was never received. I was informed on XX/XX/XXXX by KMF to stop pay and issue a new check. My original payment was due on XX/XX/XXXX so to avoid any negative impact on my credit I made my regular payment. A new check was mailed off and received by KMF. I was informed by my bank XXXX XXXX  that the check was cleared and cashed in XX/XX/XXXX. I called KMF to confirm. They informed me it would fake 3-4 days for processing to take place and I could expect a letter for the payoff. I called two week later and spoke with 3 different managers to be told that payment was not applied and again it would take 3-4 days for the payoff and a letter would be generated. I received a letter from XXXX XXXX  stating the title has not been received and I have 90 days to submit from the date of my loan which is XX/XX/XXXX. I called KMF again on XX/XX/XXXX to be told the same information payment has not been applied and they would submit another request. 
They have yet to report any payment to the credit bureaus. In fact they added on to my original loan amount. I cant seem to get anywhere with this company in doing what needs to be done. They are doing unfair practices.

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 2021-04-07
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Before XXXX XXXX We went to BBVA Bank to refinance our house. XXXX XXXX is the one handle our refinancing. She request documents needed and we comply right away to give it to her after she get all our documents needed she never contact us for an update. After months then turn to month to month basis she will contact us via email and tell us she needed a new current documents and we comply again and again. 
We did the apraisal, paid {$500.00} out of our pocket and still we waited months after months and all she do is contacting us every month to ask for new current documents again and last XXXX of 2021 she gave us a call and said this will be the last time she will ask us to submit our current documents after that we didn't hear anything from her so I contacted her everyday via email ask if our refinance is done already, when is it going to be finish, are we approve what's taking this long? No answer for atleast days as in days then when she replied on XXXX XXXX she's asking us again to submit our current documents that she said she needed. She is not processing our refinance but just scamming us. We evwn told her if our refinance took this long she need to recheck our interest rate and she refuses. We don't want to deal with her anymore & we don't to wait any longer for our refinance with her anymore. All we want now is to refund us our {$500.00} out of pocket we spend that she didn't do anything. Please help us to get our money back. We are not rich family and we struggle financially that's why we decided to refinance our home to lower our interest and monthly as soon as we can but she didn't do it and now we still waiting from her & we haven't heard anything from her since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, 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:
On XX/XX/2020 the vehicle I had co signed to financed was involved in a car wreck. The person at fault had XXXX  XXXX  for insurance. I contacted them within days of the wreck. They deemed the car a total loss. XXXX XXXX  emailed that they would send me a check so that I could pay off the car to the lender ( XXXX XXXX ). Some weeks went by and when I contacted XXXX XXXX  they said that they paid XXXX to XXXX XXXX  in XX/XX/2020 instead of sending me the check. That left a {$400.00} balance to pay off the car. So in XX/XX/2020 I contacted Gap   ( XXXX XXXX ) to move forward with getting the rest of the car paid off. During this entire process I was contact with my lender XXXX XXXX. They confirmed that they had received the XXXX check in XX/XX/2020 and I let them know that XXXX said they would pay the remaining balance of the {$400.00}. It may have been a little more. However XXXX XXXX  put a charge off on my account at the end of XX/XX/2020. They were given XXXX in XXXX. When I spoke to a manager at XXXX finance in XXXX concerning the charge off they said I should of paid out of pocket. The check from the Insurance was mailed to them instead of me. I had no controller over that. I should have not gotten a charge off at the end of XXXX. I worked really hard to to stay in contact with XXXX  XXXX and XXXX  XXXX  to make sure that they received their money to get the car paid off. This charge off should be removed. I did not neglect to pay. Again {$8000.00} was paid in XX/XX/2020 and only a small amount was left to pay on my XXXX XXXX XXXX. Please remove this charge off. I did sent letters to the credit bereus but nothing was done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
well I have be fraud my family members even siblings also I do understand why come I had to get my identity stolen. 
my name is XXXX XXXX. and I just want to protect my information. and my I was thinking to get a P.O box because I wanted to not use the address that's XXXX XXXX XXXX XXXX to send any mail there. people there take others mail. so that my mail. will be safe. but as of right not I'm XXXX. college student at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I wrote all three credit bureaus and the reporting companies several times asking to remove items as I was a victim of identity theft. The first date disputed was around XX/XX/XXXX, the next dispute was around XX/XX/XXXX, and then XX/XX/XXXX. I then sent a certified debt validation letter in the mail to the reporting companies ( XXXX XXXX ). I was never provided anything other than a XXXX and XXXX e-statement. I am well aware that I have never did business with the reporting company ( collection agency ) and that I disputed it 3 times and both the company and the Credit Bureaus never provided me with a signed contract with my signature. A collection bill is not a real validation. I also sent a fraud packet to XXXX directly. I have a right to be provided with valid proof or it needs to be remove. This is impacting my ability to purchase my new home, as my credit score is impacted. Please request that these collections be removed.

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 2018-03-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were offered a loan modification mid XX/XX/2017 to begin XX/XX/2017. I sent in an appeal. They never took into consideration what our income was. How could they offer a loan modification without documentation. Also I sent a demand letter asking to see the note. They told me to feel free to go to their office in XXXX XXXX XXXX Utah and see it there. They are legally required to allow me to see it locally. I have resubmitted the paperwork to do the loan modification. I called the mortgage servicer they told me its too late, too close to the auction date. They told me if I can have the auction date postponed by two or more months, then they can do a review. I called everyone and I was told that they can have the auction postponed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: EQUIFAX, INC.
State: CO
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:
XXXX Last reported XX/XX/2019 {$0.00} Reported balance Credit limit {$330.00} I have sent letter after letter to all 3 credit companies asking that this account be deleted off my credit report it has been paid in full

Company response to consumer: Closed with explanation