BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: LA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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 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 2020-12-01
Company: Bridgecrest Acceptance Corporation
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a vehicle on XX/XX/2020. After 5 months, I still dont have a title or any documentation about the vehicle. Dealer refused to give me proper documentation to register the vehicle myself. After the temporary tags expires dealers keep registering same vehicle in multiple states. 

As I can't get a title under my name, or the proper information to registered myself. I call the bank for help. But they stated that they don't have a title either. Im a XXXX resident and Im supposed to be the title holder and need it to transfer my old plates. I paid for the services. 

I'm making payment for a vehicle that I don't have any documents. I ask the bank to stop collecting payments until the situation is resolve, and honor the FTC Preservation of Consumer Claims and Defenses Clause, which they refused. 
Im stuck and I need help Vin Number : XXXX Dealer : XXXX XXXX Bank : bridgecrest financial Account Number : XXXX Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Cornerstone Home Lending Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Cornerstone required me to pay my XXXX mortgage payment twice. In a Notice of Servicing Transfer dated XX/XX/XXXX, Cornerstone informed me that the servicing of my loan was being transferred to XXXX XXXX  effective XX/XX/2018 and all payments beginning with the XX/XX/XXXX payment should go to XXXX. I sent my payment to XXXX XX/XX/XXXX. On XX/XX/XXXX, I received mailed notice from Cornerstone that the notice of transfer was " inadvertently mailed '' to me, that I should disregard it and send all payments to Cornerstone. That same day I told a Cornerstone representative via phone that I had paid XXXX. She told me Cornerstone had decided to retract my loan, XXXX would send my payment to Cornerstone and I needed to do nothing. This was incorrect. Cornerstone sent me a delinquency notice on XX/XX/XXXX. When I returned a call from Cornerstone 's collections department on XX/XX/XXXX, the agent removed the late payment fee but advised me to pay Cornerstone a duplicate XXXX payment by the end of the month to prevent damage to my credit. I made a second XXXX payment to Cornerstone. XXXX can't find my first payment because the new loan number provided by Cornerstone was never activated. Cornerstone has done nothing to get this money back from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Date : XX/XX/2015 Amount : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Upstart Holdings, Inc.
State: MT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This loan is predatory. If you make nothing but the minimum payments you will never pay it off. Ive been paying since 2021 and I am at 0 %! Ive been trying but thats not ok!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Sensible Auto Lending, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Hello. We, XXXX XXXX XXXX, a used car dealer in NJ paid off a vehicle loan on XX/XX/XXXX and still have not received the vehicle title or XXXX release. We have been leaving messages for the bank since XX/XX/XXXX with no return calls. 

Bank : Sensible Auto Lending, XXXX Old XXXX XXXX, XXXX XXXX, XXXX CT XXXX Check # XXXX for {$6900.00}. 
Vehicle we took in on trade and paid off was for XXXX XXXX on a XXXX XXXX XXXX XXXX XXXX. The account number was XXXX. 

Can someone please help me obtain the title and/or lien release for this vehicle? It is my understanding this bank is now out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX has made it harder for me to obtain loans and get help in this hard time reporting false information to Experian, and XXXX XXXX causing damage to my credit score making it even harder to provide for my family it's been very stressful.

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 2018-02-18
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX a person transferred {$1000.00} into my chase checking account via Chase XXXX. On XX/XX/XXXX my account was frozen due to it being reported as a fraudulent transaction. I was never contacted by the fraud department about the account being frozen, I always had to contact them. Their answers were always vague. I submitted all documents I could supporting my side of the situation. XX/XX/XXXX the fraud department removed the funds from my account. I received two letters, one stating it was an ATM issue and second stating it was due to an unpaid check. Both letters do not correspond to what actually happened. I contacted the fraud department to get a letter actually stating what happened and they said they couldn't because they can only send out computer generated letters. I asked if they could write me one and they said they can only send out computer generated letters that I already received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: FACTUAL DATA CORP.
State: NJ
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: Was not notified of investigation status or results

Complaint:
In my recent CFBP complaint I made it very clear that Factual Data that is hired by NJHMFA New Jersey Housing and Mortgage Finance Agency, check my credit without the proper procedure according to the requirements of a government Housing program that stipulate in a clear set of guildlines that MUST be met before anyone in the community seeking housing assistance through the well known Home assistance program : The Hardest Hit Fund ... with Governmental policy underwriters making the language absolutely clear that every participant of the greatly needed help of : The Hardest Hit Fund is required to display essential documentation to qualify for such assistance, and if those requirements are not met, there should be no attempt to apply.

Therefore, as I stated in my last CFPB complaint that went unanswered or acknowledged by Factual Data or NJHMFA, who authorized the credit check of my report with out the proper documentation to complete the process to qualify if I never was able to display all required documentation as demanded from the government program, financial-current mortgage documentation- other borrower on the loan- not able to refinance and remove borrower off the loan- No signature from other borrower.

Etc.

According to policy and procedures no members of the NJHMFA is to alter or use there own discretion to decide policy if the stipulations is clearly written who qualifies and who disqualified.

My credit should not have been checked if I was strongly identified as a disqualified participant from the initial request of assistance.

Also Factual Date Stated in their previous CFPB statement that I was contacted an was aware of the attempt made by them disputing their client inquiry when the facts remain I was contacted that very day of their CFPB statement on XX/XX/2019 via phone for the first time of some sort of investigation into this matter that supposedly taken place.

I was never informed of this before hand and never received any results of this investigation via mail, or Email or via phone call.

This is a false statement from Factual Data and a attempt to avoid the facts that this inquiry was initiated at their clients direction without the proper documentation necessary to proceed.

The underwriters of this program left no room for a discretionary policy which means, No NJHMFA employee has the ability to dictate or alter the directives of the underwriters of this government program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights, Account # XXXX XXXX XXXX  XXXX has violated my rights, Account # XXXX XXXX, has violated my rights, Account # XXXX XXXX, has violated my rights, Account # XXXX XXXX XXXX, has violated my rights, Account # XXXX XXXX XXXX, has violated my rights, Account # XXXX XXXX XXXX XXXX  has violated my rights, Account # XXXX XXXX XXXX has violated my rights, Account # XXXXXXXX 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

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 2021-07-15
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/21 I was notified by my banks fraud dept that an app called, XXXX was attempting to make a purchase at a XXXX XXXX in California for {$2800.00}. It was declined and my bank then asked me if it was me, and I replied no! At that time I also informed them that this XXXX  prepaid debit card just withdrew {$2500.00}! Along with four other small withdrawals of {$25.00}. Totaling {$2600.00}! After that I made calls to my bank, and they in turn, to me verifying it was in fact, not me. I also have texts, emails, and phone calls in real time verifying that. Problem solved right? No. Despite the obvious hack to our account and the bad work done by Visa verify and Chase bank, they refused my " claims '' because I guess the funds had already gone out. Now they ( Chase ) are re stealing back from us! Apparently this XXXX tried dozens of time before, during and after the night of XX/XX/21 to steal from our account, but were stopped. I have since closed my account with Chase because I can no longer trust them with the safety of my money after some 20 plus years of banking with them. XXXX is a scam and people need to be aware

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05
Company: Experian Information Solutions 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:
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 USC 1681 SECTION 602 15 USC 604 A SECTION 2 15 USC 1681c ( a ) ( 5 ) 15 USCs-2 ( AX1 ) 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 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 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 non-monetary relief
Consumer complaint received 2019-08-13
Company: Santander Consumer USA Holdings Inc.
State: KS
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 bought a car from this company 6 years ago. Upon receiving the car I had to take back a few times because of maintenance issues with the car. Dealership wouldnt fix the car until I reported to the owner. Owner of the company made them fix the problem which is persist the whole time I had the car. I dealt with this problem for 5years of the loan. I was late a few times on my loan and was a great customer. Maybe, the last 5-7 months of the loan I wrecked the car. I was out of work for a bit due to the wreck of the car. I owed around XXXX of a XXXX loan and was to the end of the loan. Company was mad for me not paying the XXXX. That I owed! My plan was to pay in one payment when I received my payment for insurance. My car was reported as a charge off before 180 days of a reporting time for a charge off. I talked with someone from the company but didnt get it in writing thinking they would delete the information once paid. I was a great customer and paid my car up until the end of the loan. I only owed XXXX and I felt I was done wrong for that payment. I was stuck with a charge off on my record for 6 years now and I have been getting jacked up loans because of this treatment. This company wouldnt approve me for a new car but sent a letter 6yrs later saying Im approve for a car. The way this company treated me for XXXX I would never send a family member to them. I think the prey on people with bad credit and treat them wrong when someone falls on hard time. I didnt deserve 6years of  charge off on my account for XXXX dollars I paid. Would have been nice to Have this removed so I can move on with my life. If I would have known not to trust a company when they put charge off and say they would erase once received payment. Next time get it in writing on anything they say over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
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 XXXX : XXXX XXXX XXXX XXXX XXXX Acct # : XXXX and XXXX XXXX XXXX Acct # : XXXX has violated my rights.15 USC1681 Section 602A states, I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692d- Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( Causing mental anguish ) 15 USC 1692 b. Acquisition of location. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such consumer owesany debt title 15- Commerce and trade Chapter 94- Privacy subchapter I - Disclosure of nonpublic personal information SEC. 6802 - Obligations with respect to disclosures of personal information 15 USC 1635 ( a ) Disclosure of obligor 's right to rescind, and ( b ) return of money or property following rescission.

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 2023-03-21
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
today, XXXX XXXX i got scammed on XXXX  by a certain XXXX. she was selling XXXXXXXX XXXX  tickets for {$320.00} each and i sent her the money thru zelle but i never got tickets. she then procedeed to block me. i have all her messages still.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2019 I sent a dispute letter to dispute inaccuracies. It has been over 30 days and no reply from the credit bureaus. Credit bureaus are refusing to comply with the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XX/XX/2019, my credit card was declined. I called USAA, my financial institution, with which I have just over {$23000.00} in accounts. I was informed by a customer service member on the phone that my credit card was closed on XXXX XX/XX/2019 and that all of my deposit accounts would also close within 30 days. She stated there were five reasons for these decisions 1 ) Fraud 2 ) Identity Theft 3 ) Legal Action 4 ) Aggressive or abusive behavior 5 ) Continuous banking issues. I explained that I had none of these, and she agreed she could find no reason on my account. After 1.5 hours I was told they would elevate this to the office of the CEO, and I would hear back in two days. I waited until the end of the business day on XXXX XX/XX/XXXX and called USAA back. I was transferred to the office of the CEO and spoke with a gentlemen who explained that he would open an investigation and I would hear something in 24-48 hours. On the morning of XXXX XX/XX/2019 I received an email from USAA with the name of the individual who would be handling my investigation, and it stated I would hear from her within two business days. I had not heard anything by XXXX XX/XX/2019, so I called back and left a message with this individual. On morning of XXXX XX/XX/2019, I still had not heard anything so I called and left a second message. By the afternoon of XXXX XXXX I called back and was informed that the individual I needed to reach was in a meeting, and an official correspondence would be created for her to reach out to me. On XXXX XX/XX/2019 I came home to a letter in the mail dated XXXX XX/XX/2019 from USAA telling me that they had exercised their right to close my account without reason and that it would be their final reply on the matter. This creates undue hardship for an upstanding military member with good credit, and none of the five disqualifying factors. I have received no explanation, and am now forced to correct their error by finding a new place for all of my accounts. Additionally, they closed my longest line of credit with them which in turn hurts my credit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: OH
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 previously submitted an Affidavit to update my personal information : My name is : XXXX XXXX - DOB : XX/XX/1971 - SS # : XXXX All other name variations are not accurate : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX My current and only address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX PL XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : XXXX - All other numbers are not accurate. Please REMOVE/DELETE these numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I AM CURRENTLY RECEIVING BWC : All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXX, XXXX XXXX, XXXX XXXX FOLLOWING HARD INQUIRIES WERE NOT AUTHORIZED : XXXX, XXXX XXXX XXXX via XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX via XXXX

Company response to consumer: Closed with explanation