BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
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: Information belongs to someone else

Complaint:
FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX/VETERANS XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type - XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Rhode Island Student Loan Authority
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
The Rhode Island family education loan which was taken out with my grandmother as co-signer has defaulted and immediate repayment requested. The co-signer, my Grandmother, passed away and the RI student loan authority, through the lawyer XXXX XXXX XXXX XXXX, has filed a claim against her estate. The claim is against the estate for XXXX others whom my grandmother co-signed. The XXXX of us have been repaying our loans, as usual since the loan provider contacts you after the six month grace period. We have been reducing the total amount of loan, but the claim is for the original amount which we all took out. The claim is for {$97000.00} and I know that the claim is off by at least {$11000.00}. I know this because I owed {$17000.00} vs. about {$6000.00} currently outstanding. ( document attached ) Also, monthly payments are being made of about {$120.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: EZCORP, INC.
State: UT
Product: Payday loan
Issue: Can't contact lender

Complaint:
I received a letter of Loan Forgiveness from EZCORP for a loan that was taken out in 2012. This loan was included in a Chapter XXXX Bankruptcy. I have received several calls from them and collectors trying to still collect on this loan. I have advised them on several occasions that this loan had been discharged on the ChXXXX Bankruptcy. They assured me that it was n't them that was trying to contact me on this loan. Now I receive a XXXX for this loan. The problem is that this information is supplied to the IRS as additional income. This would be correct if it was a loan that I defaulted on and did n't include in the Bankruptcy. Now the IRS is showing that I have an increase in my income by {$1900.00}. This is incorrect. What are my rights and options to get this taken care of? I have tried to contact EZCORP in regards to this, but I can not get through on their phone lines. I even asked them to contact my attorney but they never did.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
the transion is tacking {$17.00} OUT OF MY CHECKING ACCOUNT FOR THE LAST TWO MONTHS AND IVE NOT GIVING THEY PERMISSON TO.SOME ONE HAS STOLE MY BANK ACCOUNT NO AND GIVE IT TO THEM I WONT THEM TO STOP TACKING THE MONEY OUT MY ACCOUNT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Freedom Mortgage Company
State: AE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The VA loan on my home is serviced by Freedom Mortgage which requires payment to an escrow account for the purpose of assuring payment of property taxes and private hazard insurance premiums. At all relevant times up to and including the present, I made payments through automatic withdrawal, never missing a payment and never making a late payment. 

For the year XXXX, Freedom Mortgage paid the first installment of the property taxes when due in XX/XX/XXXX, however, Freedom Mortgage failed to pay the second installment which was due in XX/XX/XXXX. I became aware of this when I did my XXXX taxes in XX/XX/XXXX and immediately contacted Freedom Mortgage on XX/XX/XXXX, explaining the situation. On XX/XX/XXXX, Freedom Mortgage paid the delinquent taxes, as well as a {$220.00} penalty which had been assessed by the county for the late payment, using funds in my escrow account. On XX/XX/XXXX I contacted Freedom Mortgage and asked for the {$220.00} penalty to be credited to my escrow account. 

After receiving no response, I sent Freedom Mortgage a qualified written request on XXXX XX/XX/XXXX asking them to credit my escrow account in the amount of {$220.00}. I received a response from Freedom Mortgage dated XXXX XX/XX/XXXX stating that, according to their research, the taxes were billed annually due to a change in my principal residence status. Although, my principal residency status did in fact change due to a move overseas, this did not occur until XXXX of XXXX and did not negate the fact that the second installment of the XXXX property taxes were still due in XXXX or the fact that, pursuant to the Real Estate Settlement Procedures Act ( Regulation 1024.17 ( k ) ( 1 ), the responsibility for timely payment of the property taxes rested with Freedom Mortgage. 

In addition to losing the {$220.00}, I also lost the opportunity to deduct the full property tax amount from my XXXX taxes. I have also spent considerable time attempting to resolve this issue with Freedom Mortgage without success. I am requesting that Freedom Mortgage credit my escrow account in the amount of {$220.00}.

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 2015-12-30
Company: Friendly Finance Corporation
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I financed a vehicle through FRIENDLY FINANCE CORP. on XX/XX/XXXX. My spouse took the vehicle in our divorce. My ex-wife defaulted on the payment and the vehicle was repossessed sometime in XX/XX/XXXX. The original loan amount was around {$11000.00}. After the loan was charged-off a judgment was obtained against me in the amount {$8800.00} plus accrued interest in the amount of {$1400.00} with 22.9 % interest on the principal balance. I was notified of a garnishment order for this judgment by my employer. I did n't protest the garnishment due to the fact I knew I signed for the loan. FRIENDLY FINANCE garnished my wages from XX/XX/XXXX to XX/XX/XXXX for a total amount of {$14000.00}. I contacted the law firm handling my account on behalf of FRIENDLY FINANCE and was told my case was closed and the judgment had been satisfied. I believed this to be the end of this matter however in XX/XX/XXXX I received a noticed from an attorney representing FRIENDLY FINANCE regarding an outstanding balance of around {$3000.00} for the above auto loan. This time I was served noticed and went to court. FRIENDLY FINANCE was actually trying to obtain or transfer my default judgment from XXXX to XXXX. The judge in XXXX ruled the judgment was paid and that he would vacate the judgment. Now FRIENDLY FINANCE is falsely reporting this as charged off on my credit with a charged off balance of over {$6000.00}, which is incorrect. By my estimation I have paid over XXXX for this XXXX loan. I 'm still paying for this loan everyday due to the higher interest rates on loans term I receive due to this predatory lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: WESTERN UNION COMPANY, THE
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I received the following email and Western Union will not release my payment to XXXX XXXX or back to me. I feel this request is not safe over the internet and should not give my personal information across the internet. There is no address or phone number on the email so to me it a scam. However, Western Union is now holding my money and will not release it which is causing me stress, as this is a car note payment that is currently in collections. 
Dear XXXX, On behalf of Western Union, we want to inform you that your recent transaction is currently on hold under security review. In order to continue processing, we need to verify your identity with a front-and-back copy of a government issued photo ID ; e.g., passport or drivers license. Please reply to this e-mail ( XXXX ) with a copy of the ID and its translation into English plus the following information : Your current address Your city of birth If you have any further questions or concerns, please contact our local Customer Service Center at the number indicated in your receipt with your tracking # ( XXXX ) available for assistance. Thank you. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The information transmitted, including any content in this communication is confidential, is intended only for the use of the intended recipient and is the property of The Western Union Company or its affiliates and subsidiaries. If you are not the intended recipient, you are hereby notified that any use of the information contained in or transmitted with the communication or dissemination, distribution, or copying of this communication is strictly prohibited. If you have received this communication in error, please notify the Western Union sender immediately by replying to this message and delete the original message

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Spring Oaks Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I'm not sure but the sheriff show up to my mother 's house in a state I haven't lived in for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good Afternoon, I noticed on my credit report that there are unauthorized inquiries on my credit report. 
according to the FCRA legally these unverified & unauthorized items MUST be removed! Listed below are the dates and companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 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 2016-10-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am trying to sell my home. I am in escrow. My loan was sold to Select Portfolio Servicing. SPS has such poor systems that they could not answer any questions about the loan for 2 weeks. Then they are unable to generate a payoff quote for another week. The SPS call center was completely unable to help and could not provide any info. Banks should not be allowed to offload the cost of their poor systems onto consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: ERC
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I never had a XXXX account in my life and my credit shows that i have iask them to correct this many times and they still have done nothing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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/2022 I submitted my Identity Theft report through this website along with my identification. I will upload my complaint copy with my other documents. I also uploaded a notarized copy of my FTC Identity Theft report. The FCRA stated that is all I need and a statement acknowledging that the accounts resulted in identity theft and that I don't assume or accept responsibility. ! 5 USC 1681C-2 ( A ) The local police department also stated that as long as the Identity Theft report was notarized and has a report number from the Federal Trade Commission , that's all I need. The company has 4 days to block and delete the information. I received an email from one of the companies asking me to upload my information but the website will not allow me to upload my documents. I am uploading a copy of the email also. I am not able to pull my consumer report from this company. I asked for them to mail me an updated report and score and I haven't received it. Also I am acting on my own behalf. I keep getting told that it's not 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 2022-02-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Om XX/XX/2022, I was contacted by SPS Servicing regarding my previously open case regarding my reduction and Short Sale. with CFPB.I was asked if I was aware of the complaint filed and I agreed that I was aware of the complaint. I feel as if SPS was trying to intimidate me by asking if I was aware and offered no resolution at the time of contact. Also I submitted documents to SPS regarding my homeowners insurance with XXXX that was sent on XX/XX/2022 regarding the billing. I was advised that the information was received and is being reviewed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX XXXX, today is XX/XX/2022. Around the year XXXX I opened a Coinbase account and I used my drivers license to become approved for an account. I purchased crypto at the time, which was Litecoin ( LTC ) and some Bitcoin ( BTC ), I had around $ XXXX in my account with Coinbase. I ended up losing access to my account throughout the years due to losing my phone, and forgetting my account details. I could no longer get in my account. This year, XXXX, around the month of XXXX, I tried to get my account back with Coinbase and was unsuccessful. I contacted Coinbase support on their website, and had to go through re verification and submitting my drivers license to get my account back, which I eventually was able to log into my account. The issue though is that all of my money is gone, no assets are showing in my profile, and no transaction history is appearing on my account. I contacted Coinbase phone support on XX/XX/2022, and I spoke to a Coinbase rep on the phone named " XXXX '' she said there is no history of any transactions on my account, no assets showing, and no money in my account. This is impossible because when I first opened the Coinbase account and made purchases I never sold any crypto, I just left it all in my account. I made purchases of crypto at that time, which was Litecoin ( LTC ) and Bitcoin ( BTC ), and I had left over money in my account. If Coinbase goes based on a persons government identification to open an account, then all my account history, my money and my transactions should be available on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: Account Management Resources
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I got to know about this account after I checked my credit report. I immediately contacted them about this and I was told my health insurance did not pay the hospital so my account was placed with them for collection. I told the agent that I did n't receive any mail from her office about this debt. I informed the agent that I will go ahead and settle this debt in full so that the account will be deleted off my credit reports and also since i did not receive any notice of debt verification and also it is not my fault for not settling this debt on time. The agent agreed to file for account deletion after payment but the account is still listed on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: PRIMARY RESIDENTIAL MORTGAGE
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THIS IS THE SECOND TIME THAT I AM REPORTING THAT THIS DEBT COLLECTOR IS ADVERTISING TO COERCE PAYMENT OF DEBT WHICH IS ILLEGAL. THE AMOUNT OF ALLEGED DEBT IS IN A POSITIVE STATE. THIS WAS A CONSUMER CREDIT TRANSACTION AND NO FINANCE CHARGES WAS INVOLVED. THEIR LETTER DOES NOT DISCLOSE THAT THEY ARE A DEBT COLLECTOR. THEY CLOSED THIS ACCOUNT ON MY CREDIT REPORTS AS WELL ADMITTING THEIR ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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:
FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX/VETERANS XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2016-09-09
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
I gave all XXXX credit reporting agency 's over 60 days by certified mail and did not get my original signature of the accounts to finds its validation but not verification but the 3 rd party and the XXXX credit bureaus are violating my privacy rights under hipaa law on ongoing dates I never signed or gave written hipaa release to this 3 rd party collector to get all my medical information that 's invasion of privacy I contacted and filled out a complaint with XXXX online also.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I am a single mom of XXXX small children. Out of desperation I took out a loan for {$970.00} to catch on bills. I have made XXXX payments of {$340.00}, due every two weeks to pay it back. I knew I was getting close to paying it off so went in the system to check it out. Everything let me to believe the payoff balance was {$1300.00}, this would have been my last payment. What I found has left me speechless. A loan for {$970.00} is showing a payback of {$9400.00} with apr at 868.3411 %. Are you kidding me? Is this even legal? When I called they simply said I could to an early payoff of {$1400.00}, not a problem except I 'm paying {$680.00} every month towards this loan and will never have the money to pay it off. How is this possible? It is robbery! This company is scamming people and making tons of money on doing so. I have no problem paying back a loan but anyone can see this is not acceptable/ethical and they must be stopped. The loan payment documents were not clear or I would have NEVER taken it to begin with, nor would anyone else in their right mind. I have read so many reviews and they are scamming people all over the world. This in hopes that they will be stopped from taking advantage of hard working Americans and hoping that I can find a way to rectify so that no further payments are deducted from my account. Thank you.

Company response to consumer: Closed with explanation