BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My XXXX XXXX bankruptcy was XXXX on XX/XX/2016. I live in Michigan and this should be deleted from all XXXX credit reporting agencies. It's been over 7 years. Come on now you know this is illegal.

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 2023-09-10
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Chase card on XX/XX/2023 online. The application was pended. I never got a letter on why my application was declined. I called around XX/XX/XXXX. They said the application was declined and they would send me a letter on why. I never got a letter. On XX/XX/XXXX, I got a letter saying thay Chase may have declined my application in error. And that if I was still interested, I would have to apply again. 

They never sent me a reason why it was declined. Then say I can apply again due to their error and they would ding my credit again. There has to be some regulation against this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: MI
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:
My XXXX XXXX bankruptcy was XXXX on XX/XX/2016. I live in Michigan and this should be deleted from all XXXX credit reporting agencies. It's been over 7 years. Come on now you know this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: DC
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 called EQUIFAX on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX BANK. The alleged creditor XXXX BANK is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EQUIFAX permission to take my information. 

EQUIFAX have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX BANK. EQUIFAX has failed to provide XXXX, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EQUIFAX claims on my credit file. 

Furthermore EQUIFAX has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EQUIFAX is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Consumer Portfolio Services, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
When I first purchased the XXXX XXXX in XXXX I asked the dealer for GAP insurance. My daughter totaled the vehicle XXXX. I found out that day that the dealer did not add GAP insurance as requested. The insurance company paid XXXX towards the XXXX that was still left to pay. The loan company did not apply the check right away which caused more interest to be added to the account. I called to request a reasonable settlement amount so that I can pay off the car, I have always paid on-time and have always payed over the loan amount. The balance is around 1900. They offered XXXX as a settlement. I believe that they have been excessively charging interest and intentionally did not apply the insurance check to the account immediately so that more fees could accrue. I was told that the only option was to pay the XXXX, or else the full amount which is still accruing interest. After experiencing this, I would like to have my account looked over due to believing that I have been paying more interest that is actually owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Peer Advisors, LLC
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is being submitted on behalf of XXXX XXXX. 

My client, XXXX XXXX, passed away, intestate in XXXX. She had a reverse mortgage on the home. Her brother XXXX XXXX has been in probate court over the past few months to become her personal representative to settle her estate. XXXX XXXX, XXXX  and XXXX XXXX XXXX have all been informed of the probate court case. XXXX XXXX received approval to settle his sister 's estate on XX/XX/2022. I listed the home for sale on the market on XX/XX/2022. The trustee and lender were informed of these items as well and they still foreclosed on the home on XX/XX/2022. This foreclosure has transferred a significant amount of the family 's inheritance to the real estate investor who purchased the home at the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, 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: Account status incorrect

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. 
XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: DC
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 called EQUIFAX on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by DEPT OF EDXXXX. The alleged creditor DEPT OF ED/XXXX is a third- party collector which is a violation of 18 U.S.C. 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EQUIFAX permission to take my information. 

EQUIFAX have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with DEPT OF EDXXXX. EQUIFAX has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EQUIFAX claims on my credit file. 

Furthermore EQUIFAX has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EQUIFAX is in violation because I was not given any type of these reports in this investigation.

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: IL
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 item in my credit file are from unauthorized use of my social security number and my personal information. I am not aware and did not authorize these accounts to be taken out in my name. This account does not belong to me. I'm upset and XXXX  after dealing with my identity being stolen and need this to be corrected so I can use my own credit. 

XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THE
FT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Accounts to be deleted listed below : XXXX Inquiry Date : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date : XXXX, XXXX  XXXX XXXX  XXXX  Inquiry Date : XX/XX/2023 XXXX XXXX XXXX Inquiry Date : XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: CURO Intermediate Holdings
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A debt was put on my name for the amount of XXXX. Then later sold illegally to a debt collector by the name for AD Astra recovery services! Under US code 15

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: AMERISAVE MORTGAGE CORPORATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2020 my hours at work were cut due to COVID and with that I reached out to my mortgage company Amerisave to inquire on any programs they may have. They allowed me to enter a hardship assistance program where I would not have to pay my mortage with the understanding when things return to normal I could return with my payments. 

I have been working with Amerisave to attempt and enter a partial claim and or loan modification. There have been issues with both and I am currently behind approx {$30000.00} however I have been paying the regular monthly payments for about 9 months now. 

I was never advised of the specifics regards the partial claim and that it would be added to the end of the mortgage and essentially become a lein against the house in which I would have two ( original mortgage and now this partial claim ). 

I would like to re-modify the loan however they are not able to supply a payment that is at or below my current one so that has not worked out. 

I am not struggling where I cant pay off the estimated {$30000.00} that is owed and because of that it shows I am behind on my mortgage for that amount.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Campus Student Funding, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
The first occurrence was XXXX XXXX, 2015 in the amount of {$370.00} at which I notified the company of the error, the company did not notify me. Second occurrence on XXXX XXXX, 2015 in the amount of {$370.00} at which the company was notified of the same error and is currently unresolved as well, again I was not notified of the error I had to notify them. On both occasions the representatives that I called have requested and they have received faxes of the occurrences on my account at which they confirmed that they were received via fax to the representatives and management team of the company. All documentation showed the amounts debited in error, fees resulted from the error. The representatives and management team has promised as per the conversation to reimburse the amounts and any applicable fees associated with the error. I have met each demand the company had requested, I also faxed them documentation that I want a resolution. I contacted the company and verified they have received all the faxes, and I also requested for everything to be noted on my account. The have only reversed the XXXX charges, however have not reimbursed me for my fees. I was charged {$36.00} for each transaction by my bank as an NSF fee, and I have also been hit with {$140.00} in overdraft fees for my personal charges to my account that went NSF due to the {$370.00} charges. I have submitted written documentation that I want resolution, I also want verification of the error and the solution of the error. The company has not sent me any documentation that I requested, I then requested for termination of my lease with the company as they violated the contract agreement. The company has failed to comply with all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-14
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hi, This complaint is in regards to the company called Coinbase. I have a registered account with them. Basically, I have moved to another country ( XXXX XXXX ) and the only way you can log into your account is by verifying it via a text message. Since I moved, my number has changed too. I have sent them at least 3 to 4 emails saying that I have changed my phone number. The issue is the only way to change your number is you need to go through an ID verification process, which I have tried numerous times to complete. However, my ID is a passport and not a simple photo ID which is all they accept. So finally the only way to change it is to contact Coinbase, which I have done several times as mentioned above. The only response I have received is automated messages and nothing else. Now, recently I was able to locate my American phone number. I have then tried to log in but everytime I try they do not send the verification code. I am 100 % sure that it is the right number as well as I never had a different U.S. number. I have sent them an email about this too but I have yet to hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a credit alert from all of all credit reporting agencies ( XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX stating that XXXX XXXX inserted a collection in the amount of XXXX to XXXX XXXX XXXX. On XXXX XXXX XXXX I submitted a complaint to the Consumer Financial Protection Bureau asking for Verification and Validation that this account was mine. On XXXX XXXX, XXXX they responded with the attached letter. I also received a letter in the mail from XXXX XXXX stating that enclosed was verification that the account belonged to me. The supposed verification was what looked to be an old bill. This company has failed to provide me the requested verification that this account is mine. They have not present a sign contract bearing my signature or any type of photo identification. On XXXX XXXX, XXXX I got an alert that the collection was added to my report after this company failed to comply. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the  documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. I have never had an account with this company I have never spoken to this company and I do not have a contract with this company. This is an incorrect debt that Diversified Consultants has placed on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing complaint because Innovative Recovery IN is contacting me to collect a debt that I have never had with them. I've never had a contract with Innovative Recovery IN nor have I ever had an agreement with them. I have asked them verbally and written to remove me from their call list as well as remove this debt off of my credit report and they fail to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This Person ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.

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