BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: IL
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-10-24
Company: RMS-Recovery Management Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice to pay an alleged debt by XX/XX/2022 from RMS , IncXXXX on XX/XX/2022 I sent a certified letter ( XXXX XXXX ) asking RMS, Inc. to validate alleged debt made pursuant to 15 USC 1692g sec. 809 ( b ). I asked the alleged creditor 1. Have they sold this alleged debt? 
2. to whom is this debt sold to and for how much was this debt sold?

3. Are the alleged creditors still in the process of collecting this debt? 

On XX/XX/2022 Recovery Management services , Inc. ( RMS ) sent me a pile of statements from an alleged creditor or whomever in which RMS is being deceptive and creating a false belief in me as an consumer that the alleged " creditor '' was attempting to collect, which is not true. 

Pursuant to 15 USC 1692j ( b ), any person who violates this section shall be liable to the extent under 15 USC XXXX {$1000.00} ( XXXX XXXX USD )

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 2018-11-30
Company: ENOVA INTERNATIONAL, INC.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I contacted the XXXX  also goes by " XXXX XXXX XXXX XXXX  WI, XXXX ''. It is also believed that they go by " Cashnet USA ''. A few months ago, I reached out to their customer service phone line and requested to have information relating to how much the remaining balance was for my loan. They said at the time I called that I owed {$780.00} dollars. The loan that I took for an emergency move into an apartment was for {$1000.00}. The term of the loan began on XX/XX/XXXX when I received that money into my bank account. Due to my limited income, I requested a reduced payment plan and the only way I was given the loan was to provide my banking account information upfront and to agree for deductions in the amount agreed upon prior to taking out the loan. I was in a desperate situation to avoid homelessness, so I was forced to accept this agreement. My personal bank was refusing to lend me any money due to my credit. From XX/XX/XXXX to XX/XX/XXXX ( today ) I have made every payment on time as scheduled for the agreed upon amount of {$62.00}. This means that for 507 days, I have remained in good standing for paying off my loan. This amount of 507 days is equal to 1 year and 4 months worth of payments. The last date of my payment is listed as XX/XX/XXXX. This date is over 2 years after originally taking out the {$1000.00} loan. I, the consumer, believe that this is unfair treatment for someone who has paid off their loan on time for nearly 1.5 years. The consumer would like to have the remaining balance of {$660.00} ( as of today ) forgiven immediately. The consumer would also like the remaining balance of payments made beyond the cost of the principle balance refunded to him because it was not clear that the agreed upon payment would take over a year to pay off. 

The annual percentage charged was 148.09 % for the loan. Payments have been made on time on a bi-weekly basis. The amount of the loan on XX/XX/XXXX was {$1000.00} but the total amount I am expected to pay by XX/XX/XXXX will be {$3200.00}. This means that I as a consumer will have paid an additional cost of {$2200.00} despite making EVERY payment on time for a period of 507 days. The consumer was not properly informed that such exorbitant chargers would occur for individuals who made payments on time.The consumer believes that the additional cost should be refunded back to him upon the completion of the loan if nothing is resolved prior to the loan being paid in full.. The consumer believes that even if proper information was provided to the consumer, that such practices of market cost should be deemed as illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: LEXISNEXIS
State: TN
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:
several problems listed above, not just failing to abide by 30 day timeframe. Not just bureaus, but creditors as well.. XXXX for ex, 60 days out from my last dispute, claims ftc fcdpa laws dont exist. furthermore XXXX XXXX initiated contact on my behalf nine months ago on that account. account remains " confirmed '' ... I have several accounts where merchants are claiming debt where none is owed, or someone else owes the debt and the creditor refuses to close the account or corrrect the info and keeps putting the account in collections or reselling it ( XXXX ). I have others in violations of cardholder agreements. All burueaus are playing XXXX XXXX " confirmed '' with lexis nexis and buying the data back from them later on. disputed debts can not be collected. debts filed under chXXXX can not be collected when attorney is on retainer. yet nobody seems to care, makes claim they werent contacted by upright law ( con artist or not, they are bankruptcy atty ). such actions are not required, the mere hiring of a lawyer on retainer is sufficient. Bureaus are inconsistent with updating each other when debts are deleted. XXXX XXXX refused to assist with this. bureaus contacted multiple times about this and all im getting are " verified '' XXXX letters.I have factually no data sent to me as to what and how, as required by law debts were verified. No email, no phone calls, no letters. I am repeatedly have my information updated where I have never lived, and then blood type required multiple times to get access to my credit file just to file a dispute when I havent moved. This has been going on for several months repeatedly when I dispute data. I have never lived in PA. My files show that I have and that I have a mortgage. This is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I submitted a dispute over information on my report which has taken over 30 days to investigate.

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 2018-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not authorize anyone to misreport any information on my credit history.. Given that Transunion is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint. I have attempted to have Transunion clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me 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 2017-08-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The alleged servicer has been wrongfully denying me for a loan modification. I had a HAMP, FNMA, XXXX XXXX underwriter look at my loan modification and stated based on all the documentation I have submitted to the bank and the guidelines, I should have been approved for HAMP. I also qualify for inhouse modification based on guidelines. I am not even sure that the servicer that sent my payoff actually has the right to service my loan. The foreclosure plaintiff is XXXX XXXX XXXX. There is no assignment to the current servicer that has denied my loan modification and supplied the payoff. I am also XXXX, so being put out into the street is unjust. I make enough income to to afford my home. There also is equity in my house, so I could have sold it for a profit in order to find a new home, however due to my XXXX, it is much easier to live within my current home. The servicer is not calculating income that I have provided and also refusing to further review me for a modification. Please help. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: EQUIFAX, INC.
State: GA
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. Police report was file with XXXX County Police Report # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. Police report was file with XXXX County Police Report # 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 2018-11-30
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
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  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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
several problems listed above, not just failing to abide by 30 day timeframe. Not just bureaus, but creditors as well.. XXXX for ex, 60 days out from my last dispute, claims ftc fcdpa laws dont exist. furthermore XXXX  XXXX initiated contact on my behalf nine months ago on that account. account remains " confirmed '' ... I have several accounts where merchants are claiming debt where none is owed, or someone else owes the debt and the creditor refuses to close the account or corrrect the info and keeps putting the account in collections or reselling it ( XXXX ). I have others in violations of cardholder agreements. All burueaus are playing XXXX XXXX  " confirmed '' with XXXX XXXX and buying the data back from them later on. disputed debts can not be collected. debts filed under chXXXX can not be collected when attorney is on retainer. yet nobody seems to care, makes claim they werent contacted by upright law ( con artist or not, they are bankruptcy atty ). such actions are not required, the mere hiring of a lawyer on retainer is sufficient. Bureaus are inconsistent with updating each other when debts are deleted. XXXX XXXX refused to assist with this. bureaus contacted multiple times about this and all im getting are " verified '' XXXX letters.I have factually no data sent to me as to what and how, as required by law debts were verified. No email, no phone calls, no letters. I am repeatedly have my information updated where I have never lived, and then blood type required multiple times to get access to my credit file just to file a dispute when I havent moved. This has been going on for several months repeatedly when I dispute data. I have never lived in PA. My files show that I have and that I have a mortgage. This is incorrect.

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Dear I have been a XXXX XXXX customer since 2021 and during that time, I have enjoyed my experience with COMPANY NAME greatly. I am writing to see if you would be willing to make a " goodwill  '' adjustment to your reporting to the three credit agencies. I have one late payments on the above referenced account that date back to 2021. Since that time I have been an exceptional customer paying every month on time. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of was robbed. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that your is willing to work with me on erasing this mark from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest. I look forward to your reply. 


Sincerely,

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 2017-08-13
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
After seeing coinbase.com on XXXX, I decided to buy bitcoin, ethereum and litecoin.
At the moment, I should have Bitcoin : approx XXXX coins Ethereum : XXXX coins Litecoin : XXXX coins On XXXX XXXX  2017, my coinbase account requested my user name and password to log in. After I provided, the message came up to go to support and provide my ID and proof of address. I uploaded my drivers license and sent it to them.
I received a message that " support @ coinbase is no longer enabled ''.
I opened a case with their online support. Case # XXXX.
A few hours later, I received a response " We will follow-up with you as soon as we have an update. '' As of today, I have n't received a resolution or response.
I see several other unhappy customers that are in my position. How can a company run their business without timely customer support? How can they still continue advertising and generating new clients with out rectifying the issues with their previous clients.
I suspect that this is a billion dollar ponzi scheme!
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not authorize anyone to misreport any information on my credit history.. Given that Experian is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint. I have attempted to have Experian clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me 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 2022-08-03
Company: CITIBANK, N.A.
State: MA
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 Macys acct ending in # XXXX for the months XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 states I have right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer agency can not furnish a account without written consent.

15USC 1666B : A credit may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

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 2022-10-24
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I talked to XXXX bank went in that they had nothing to do with my account when the money was taking out they told me to leave I called direct express company to send me my paper work on my account to see where the money went I called two times never sent the paper work so here I 'am thanks very much XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions 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 information is incorrect and I need it off my credit report. In Accordance With the Fair Credit Reporting Act the information listed below is a violation of my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. Incorrect Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX. Incorrect Telephone Numbers : ( XXXX ) XXXX, ( XXXX ) XXXX. Incorrect Names : XXXX XXXX, XXXX XXXX, XXXX XXXX. Incorrect Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 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 an account without my written instructions. 15 U.S.C. 1681a-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-25
Company: Global Asset Agency, Inc.
State: NJ
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:
I took out a payday loan with XXXX XXXX during the Covid pandemic. I could not continue to pay it off with the high interest and high payments. The interest they charge is far above allowable usury so I am not sure how this even happens? How do I know after making payments for as long as I did is the balance higher than the original loan amount? XXXX XXXX sold this debt to Global Asset Agency. These people have called me, my mother and my sister and threatened to come arrest me at work. They have sent several messages about pending legal action, warrants, and asking my address to come arrest me. They have also sent several emails saying there was a warrant out for me and even used a lawfirm paper head saying i had an active case. I called the lawfirm and learned that was a lie and that these people were representing themselves using the name of a big law firm to intimidate me. Now I see that Global Asset Agency has reported this on my credit report. When will this harassment end? This cant be Ok!

Company response to consumer: Closed with explanation