BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Ive spoken to XXXX many times about removing a late from XX/XX/2022. They have said on multiple phone calls I made all my payments and they do not know why its reporting late. The most recent call XX/XX/2022 I spoke to XXXX # XXXX at XXXX. XXXX said she does not see why its reporting late in XXXX as she can see payments were made. No one submitted this to be reviewed to the credit escalation team that she could see, which is what I was promised on a previous phone call. XXXX said it takes 3 business days to respond, once she gets the response she will be giving a call. The conversation where they guy didnt send it to credit escalation was in XXXX. I asked if there was something she could send that would explain it shouldnt be late in writing. She will give an audit number in 3 business days. XXXX XXXX is when the call back was scheduled to happen. I did not get a call back, its still reporting late. XXXX was sued for doing this to people and they are doing it to me as well. You can have them pull the call with XXXX to hear her promise to call back and she didnt as well as hear her say it shouldnt be reporting late.

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 2017-10-18
Company: ALLY FINANCIAL INC.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have had a loan with Ally Financial since XXXX, XXXX and it has been an awful experience. I have fallen behind a few times but I was hacked ( not sure of the origination of being hacked ) around the same time I purchased the vehicle and it has been nothing but trouble since trying to deal with all of that and other issues. I 've also lost XXXX jobs in the time I 've had the loan and it 's been a little bit of a challenge. However, I always make payments at least monthly ( aside from this time period ) and do my best to get caught up. If I am late, I make it up by paying bi-weekly to get caught up. 

At the end of XXXX or beginning of XXXX ( XXXX ) I called Ally to let them know that my XXXX XXXX payment would be late. The representative said instead of making the payment late I could defer. I did n't really want to do that but he seemed adamant about it, so he set it up. We had also moved and I was waiting for the letter detailing the deferment to make the payment which I assumed would be XXXX. Ally does not tell you the date, only that you have 10 days from the date of the letter to make the first payment. I expected this to be XXXX. On XXXX I received a call from my father wondering why my auto company was calling him. I called Ally and they said that it was because I had no number to call which is not true. The only number I have ever asked Ally not to call was my work number. Then the representative began demanding payment stating that I had not honored the deferment and that it needed to be paid now. I explained I thought and was pretty sure I had been told I could pay by XXXX but he said it was due that day, right then. I hung up because he was so rude. I called back and the lady who I got was just as rude and I told her that if they would not honor the original arrangement I would have to split up payments bi-weekly. She refused the arrangement. I have been trying since to make an arrangement I can work with and they will not help me. 

Today I spoke with XXXX XXXX who said that she can not gurantee anything even if I pay on XXXX XXXX. They are being awful. They denied my payment arrangement and now are making all kinds of excuses to not help me. 

I have had so many problems with this company it is not even funny. I will not be treated this way. The account was in good standing to the best of my knowledge when this happened.

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 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My disputes have been sent over a year ago for these collection account that are on my report still and now its XX/XX/2022 with no removals XXXX XXXX  {$580.00} XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1600.00}

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 non-monetary relief
Consumer complaint received 2022-01-12
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I went to the ER. I called the hospital and all my bills with them are resolved which included over {$8000.00} in XXXX of that year for a series of rabies shots ; all my accounts have been resolved and I paid them on time. Now, they told me that apparently the ER doctors bill separately through a company called XXXX XXXX XXXX of XXXX XXXX. To my knowledge, I never received a bill or a call from them, but they sent my information to a debt collector. This debt collector allegedly ( according to them ) sent me ONE letter on XXXX of XXXX, TWO YEARS after this event happened, for which I had no outstanding balance with the hospital, or quite frankly, recollection. The debt collector in question is Assetcare of XXXX, Texas. I have received no voicemails, and they sent my information to a credit reporting agency after only sending one letter which I never received. if I would have seen a bill from a debt collector I would have called immediately, as I did in this instance since I value my credit, and I was told it was already affecting it unless I paid this debt which I never received a bill for until it was already reported. These people had no problem ruining my credit for {$180.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-02
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX, at approximately XXXX, this debt collector called regarding a debt to a payday lender called " Ace Cash Express ''. They also contacted my sister and have made repeated attempts to do so, leaving voicemail messages. This particular voicemail message, however, provided my sister with a link to enter an account number and my zip code. Therefore, my sister was given complete access to the confidential information, including the amount they claim they are owed, as well as the original creditor, etc.
My complaint involves repeated contact and voicemail messages with me and my family members, as well as unlawful disclosure of the debt they are attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is a complaint against XXXX XXXX XXXX. The reason why I am writing this complaint is because on my Transunion credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am actively pursing the Public Service Loan Forgiveness program and have made 64 qualifying payments. Any missed or delinquent payments would result in my disqualification from the Loan Forgiveness Program. I noticed last year that I was listed as not making a payment for XX/XX/2014. My loan payments are set to automatically withdrawn from my checking account every month and when I inquired about why no payment was deducted from my account in 2014, I was told that due to payment amount changes, and the timing of a generation of a new bill, an installment was not withdrawn that month. I requested this information in writing. I was provided a general letter, but it was unfortunately removed from my paperless inbox by myfedloan.com. When reviewing a different issue with your company, I noted that my loan payment history states A payment was not received on the XX/XX/2014. I am respectfully requesting your assistance in correcting this issue. Please help me to ensure that that my XX/XX/2014 payment is listed as no payment due or no bill generated, or something which does not levy blame on me as the borrower. Again, direct withdrawal was, and remains active on my account. Also, please provide me with documentation from Fed Loan which explains this situation for my files. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: ENCORE CAPITAL GROUP 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:
The creditor has ignored my request of this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future. This account has been paid in full

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26
Company: EQUIFAX, INC.
State: NJ
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:
EQUIFAX, XXXX ARE REPORTING INACCURATE PERSONAL INFORMATION ABOUT MY SELF. I HAVE SENT THEM CERTIFIED LETTER INCLUDING MY ADDRESS CORRECTED DOB AND WITH UTILITY BILL INCLUDED. THEY HAVE NOT YET RESPONDED TO MY REQUEST TO REMOVE ALL INACCURATE INFORMATION OFF MY CREDIT REPORT LIKE MISSPELLINGS IN MY NAME, MULTIPLE SSN VARIABLES. EQUIFAX HAS MY DOB AS XX/XX/XXXX I WAS IN FACT BORN ON XX/XX/XXXX AS A RESULT THEIR ARE MULTIPLE ADDRESS AND EMPLOYMENT RECORDS STATED ON THE CREDIT REPORTS THAT IS SEVERLY HURTING MY CREDIT SCORE AND COMPLETELY DESROYING MY IDENTITY. 
ONLY INFORMATION THAT SHOULD BE ON MY REPORT SHOULD BE THE FOLLOWING. EVERY OTHER THAN WHAT IS TYPE AND PUT INT0 THIS SECTION SHOULD BE APPEARING ON MY CREDIT REPORT. 

1. My Name : This is my legal name : [ XXXX ] [ XXXX ] Please delete any other references to names as they are not mine and I have never used any of them. 

2. My Address : Also, please be sure that my address is listed correctly. My address should read : [ XXXX XXXX XXXX  XXXX ] [ XXXX XXXX, New Jersey XXXX ] Please delete any other references to ADDRESSES as they are not mine and I have never used any of them. 
3. My Date of Birth : XXXX XX/XX/XXXX ] AS STATED ON COPY OF DRIVERS LICENSE ENCLOSED WITH LETTER. Please delete any other references to my DATE OF BIRTH as they are not mine and I have never used any of them. 
4. MY EMPLOYMEN HISTORY : [ I HAVE NO EMPLOYMENT HISTORY ] Please delete any other references to EMPLOYMENT as they are not mine and I have never used any of them 5. SSN VARIATION [ XXXX ] Please delete any other references to my SSN as they are not mine and I have never used any of them 6. PHONE NUMBERS- [ XXXX ] Please delete any other references to PHONE NUMBERS as they are not mine and I have never used any of them 7. EMAIL- [ NONE ] Please delete any other references to EMAILS as they are not mine and I have never used any of them. 
Please send me a new report when you are completed so I may continue to verify its ' accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22
Company: Netspend Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX, I decided to start making payments for a future cruise on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXs scheduled to depart on XX/XX/XXXX from XXXX XXXX. I made payments to XX/XX/XXXXXXXX XXXX bi-weekly for {$100.00} each below are the dates that payments were made for a total of {$1300.00}. The payments I made should have been paid to XX/XX/XXXX XX/XX/XXXX  XX/XX/XXXXs but never received since XXXX XXXX owner of XXXX XXXX XXXX chose to use other credit/debit cards that were fraudulent while keeping the funds I sent her for herself. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX cancelled all reservations. Attached is the cancellation notice, letter confirming fraudulent activity and Federal Bureau of Investigation ( FBI ) complaint confirmation. I am requesting all listed amounts to be refunded to my account with Netspend. Thank you for your quick help in this matter. 

I am providing additional information to dispute the following transactions : {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX TOTAL : {$1300.00}

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 2022-01-05
Company: AES/PHEAA
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I AM THE NATURAL PERSON AND CONSUMER AND THIS IS NOT A CREDIT REPAIR COMPANY. According to XXXX6 CFR 433.1 I the affiant has reason to believe and do so believe a purchase money loan, cash advance was given to US DEPT OF ED as the creditor from the U.S. Treasury for a finance charge and the consumer credit was to be forwarded to the consumer or natural person, I the affiant, in this transaction for household, goods, and services in exchange for disclosed, limited and authorized use of the negotiable instrument, social security number or credit card and signature I have provided, which are all properties which belong to I, the affiant, so be it. Pursuant to 16 CFR 433.2 In connection with any sale or lease to a consumer, such as I, the affiant am aware, a contract must include the provision described in 16 CFR 433.2 ( a ) otherwise this contract would be known to be an unfair or deceptive act or form. In connection with this provision, I am invoking my right as the debtor to assert all claims and defenses against US DEPT OF ED in connection with this transaction and or negotiable instrument and any other possible derivatives in order to recovery any amounts paid and its proceeds. I have claim to the interest and the proceeds of each trade and instrument in accordance with UCC 3-306 with the possessory right to both the instruments and the property. I'm also aware in accordance with 16 C.F.R. 433.3 US DEPT OF ED is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as I, the affiant, may invoke, his rights as the debtor in this consumer credit contract againstUS DEPT OF ED for the unfair and deceptive practices as no contract after the date of XX/XX/1977 is exempt from 16 C.F.R. 433.XXXX. A Promissory note is a negotiable instrument. US DEPT OF ED has committed aggravated Identity theft and is still benefiting from my intellectual property. My vehicle was illegally repossessed and I now can not get to work and pay for everyday necessities. I was never informed full material disclosure pursuant to Truth In Lending Act. I have requested several times documentary evidence showing I owe this alleged debt and nothing was ever produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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 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 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 2022-06-10
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had a problem with my coinbase account where my account was hacked and assets stolen. I reached out to coinbase who says my passwords and security is up to me. I opened this accoun in XXXX of XXXX and bought 5 different crypto investments over the next few months totaling {$1100.00} of my own money. On Monday XX/XX/XXXX my password was changed so I logged on and was able to change but 15 minutes later I received another alert that my password was change again. I have called and called to get someone live but NO luck. My bank account linked to coinbase then had XXXX dollars being processed. I had called the bank to place a stop order on this which was done. However, Coinbase says my last transaction was not completed and I can not use my account until I pay the XXXX that is outstanding. My account was breached and all assets were sold off none of which were authorized. I'm attaching the history of my account for review. 
How do I move forward on getting my assets back or refund what I had invested. Coinbase is absolutely no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bate and Switch Tactic was used. 

I was told a rate and price up front with all needed information- rate lock and pricing sheet signed. 

I gave an accurate value of my home and appraisal supported. 

I am now being told that because my home is above 60 % LTV that the cost goes drastically higher. Based on the loan balance and value stated- it was always going to be above the 60 % threshold. 

I feel like the initial banker used inaccurate info to process the original estimate knowing that they could not fulfill but locking me in and making me come out of pocket for the appraisal fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
The company only calls when there is a payment due. Have not seen any improvement in my credit they are just taking my money without improvement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: GREAT LAKES
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Great Lakes put my account into a repayment status despite the fact that I have a pending borrower defense claim ( XX/XX/2016 ) and in violation of FSA policies. When I contacted Great Lakes about this they gave me false and misleading information telling me that I had to enter a repayment plan of some kind. And that was my only choice and my best interest. This is not the case. Because I have a pending borrower defense application I should not have been made to make payments on a fraudulent student loan that is under dispute. I paid for months under the plan they forced me into when my account was supposed to be on hold and protected through Defense to Repayment case. The last call was with XXXX at Great Lakes employee ID 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 2022-03-01
Company: Central Portfolio Control Inc.
State: NE
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:
I have a lot of incorrect information on my credit report that XXXX, XXXX and XXXX is refusing to take off! There are wrong balances, incorrect addresses that are not mine as well as not even valid addresses! 
XXXX dollar hospital debt from a place I have never been too! I disputed it and it came back accurate when in NEBRASKA we have HIPA LAWS so there was no way they could have accurately verified that! Would have been a violation of my rights! 
There is missed payments when I havent missed any payments! These credit bureaus are purposely being negligence towards my credit report and reporting false information! 
I have disputed repeatedly as well as tried reaching out to original debitor to resolve these debts and get them removed but all to no prevail!

Company response to consumer: Closed with explanation