BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-25
Company: AFNI INC.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX of weeks ago i happened to check my credit report and i realized that it had addresses that i have never lived, several activities that i was unaware of. XXXX activity claimed i had service with XXXX and did not pay my bill, so XXXX passed on that debt to debt collector " XXXX XXXX XXXX '' amount of {$1100.00} under XXXX account number XXXX. I filled a claim with CFPB to XXXX XXXX XXXX with explanation that i had never had XXXX services and my identity was compromised. After a few days of investigation account was recalled by XXXX and closed on XXXX/XXXX/2015 agreeing that it was fraudulent account. Few days later i got a debt collection notice from " Afni XXXX '' with the same XXXX account number and amount claiming its new collection notice, i reached out to them and did n't get any help. see attached document

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2020-04-04
Company: Remitly, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My name is XXXX XXXX in XXXX, XXXXIn the morning of XXXX XXXX I received an email regarding a remittance to XXXX XXXX XXXX XXXX in the amount of {$400.00} to a XXXX account in the XXXX ending in XXXX but I don't know the person and I never did the transaction and haven't send money since XXXX so I went to my remitly account and saw there is really a transaction so I called remitly but there phone service is not working due to covid 19.when I check my remitly account I saw another transaction so I tried to cancel it but I can't so I deleted all the cards aasociated with my account and called my bank which is XXXX XXXX  to hold any transaction which they did but there were already 4 transaction on my remitly account in the amount of {$400.00} dollars plus the charge of {$3.00} and {$1000.00} then {$800.00} and {$750.00} with charges of {$3.00} each except the {$1000.00} which is free.i went to the chat of remitly as that's the only way I can communicate with them and told them to cancel the said transaction but they can't do it as well on their side and told them to email XXXX  in the XXXX  regarding this unauthorized transaction and they said I have to wait for 10 to 15 days but with no assurance.i went to my bank and they said they cant do anything as the transaction is still pending but was able to dispute it and I have to wait for 10-15 days as well.thats my hard earned savings that was taken without my knowledge and with ongoing crisis I'm not sure if I can pay my bills and support my family.please look into this matter.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: PLATINUM HOME MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been requesting Platinum Home Mortgage remove the PMI from my account since XX/XX/XXXX and I am always sent to a loan person to refi. According to everything I have read the PMI is only required to the loan to value has met XXXX %. I have been under that threshold since XX/XX/XXXX. However Platinum Home Mortgage continues to charge me PMI and when I request it be removed they claim I have not met the requirements. The facts are I purchased the home in XX/XX/XXXX at a value of XXXX ( loan amount of XXXX ) making the XXXX % value XXXX ( or XXXX if based off the loan ). I have been well under that mark since XX/XX/XXXX however the Platinum Home Mortgage continues to charge PMI even after I request it be removed. The appraised value is currently over XXXX and has been over XXXX since XX/XX/XXXX when I have began requesting the removal of the PMI. Please help me in having this corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I am currently leasing a 2013 XXXX XXXX XXXX XXXX. The lease payments are all current. The lease ends on XXXX XXXX, leaving XXXX more payments. I wanted to review all of my options before deciding what to do. i signed into my account yesterday on XXXX, and clicked through to find my current " Buyout quote ''. I had received a " hyundai lease-end kit '' in the mail yesterday. It has a section called " Key Lease End Terms '' The term " buyout quote '' is defined in their " lease end kit '' as " The amount ( including taxes ) you 'll pay to purchase your leased vehicle ''. That amount for me was on the website as {$16000.00}. 
I was told by Hyundai Finance that in Florida, lease end vehicle purchase must be made through a dealership. I called the dealership then, and was told there was a {$590.00} fee for this " service '' and that the amount did not include sales tax. They told me it would cost {$18000.00} to purchase the vehicle. 
I am wondering 2 things. Why is the definition included in their own lease end package saying it includes all taxes? 
Also, I have in the past purchased leased vehicles at my lease end and simply had to send a check to pay off the balance to the finance company. The last one was XXXX finance. Why is Hyundai finance telling me that in Florida it is the " law '' that the purchase be made thru a dealership? Perhaps the law has changed? It has been awhile since I purchased the last one ... 10 years actually ... so I suppose the law may have changed. I would just like to be sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
Responding to your BANK OF AMERICA letter that was send to my mailing adress dated XX/XX/2020. " See Attachtment documents '', 2 other banks and XXXX  made a full investigation about my claims against their companies and came to the conclusion that my identity has been compromise and fraud aplications were made under my name. These companies immidiately remove their inquiry from my credit report. 

I reported this Inquiry directly to your company and your fraud department agent told by phone she couldnt located this inquiry no where on your file system. NOW IN YOUR LETTER YOU TELL ME THAT THIS INQUIRY IS ACCURATE, CAN WE SPEAK HERE ABOUT MISLEADING AND FALSE INFORMATION FROM YOUR BANK TO MY PERSON??

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 2016-09-29
Company: Critical Resolution Mediation LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I got a voicemail from XXXX XXXX XXXX from Critical Mediation LLC stating about a Fraud Claim against me. I called the number backed she then responded that she is collecting a debt not a fraud for XXXX XXXX. I told her I would like to verify first to make sure that it was my actual debt. Since it was for XX/XX/2011. She then said did n't give me time to call her back since I as driving. She have told me that we will file the lawsuit once I hangup the phone. After reading my consumer laws that 4 years old debt cant be sued. Second not mentioning that she is collecting a debt. Lastly not allowing me to verify my debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2022-04-15
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent items along with my statement ).

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 2022-04-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX XXXX XXXX XXXX 1904 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$2600.00} XXXX XXXX Balance {$720.00} XXXX XXXX XXXX  XXXX Balance {$930.00} XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX, XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX  XXXX Balance {$2100.00} XXXX : XXXX XXXX 1904 XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance {$200.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$470.00} AD XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX XXXX  XXXXX Balance {$450.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX 1904 XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX LAKE XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$710.00} XXXX XXXX AUTO FINANCE XXXXX Balance {$2600.00} XXXX XXXX  XXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$600.00} SXXXX XXXX XXXX XXXXX Balance {$2100.00} AD XXXX XXXX XXXX XXXX XXXX {$1700.00} YXXXX XXXX XXXX XXXX XXXX XXXXX Balance {$470.00} XXXX XXXX XXXX XXXXX Balance {$250.00}

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 2016-07-22
Company: Critical Resolution Mediation LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took out a loan from XXXX XXXX last year, and a few weeks ago a company by the name of Critical Resolution started calling me and my job every single day harassing me at my job. I have enough going on without someone calling me at work. I was not able to pay thins loan off so I have got it consolidated and I have told this company that and recomomended they stop calling me. They are telling me that they are going to garnish my wages if I do n't pay immediately. Over {$300.00} I have borrowed. Now they are saying I owe {$800.00}. I told them to send me to whomever they needed to.

Company response to consumer: Closed
Consumer complaint received 2017-01-31
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NY
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:
In XXXX I transferred my business and closed my utility account at my then business premises. I am now surprised to find that XXXX NY is reporting a past due balance for XX/XX/XXXX. this information is incorrect and its entry is causing harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: TN
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:
FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT I HAVE NO KNOWLEDGE OF NEITHER HAVE I BENEFITED FROM ANY OF THESE FRAUDULENT ACCOUNTS OR INQUIRIES

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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, I am filing a complaint with Transunion due to willful negligence. I have submitted many disputes as it pertains to the unverified bankruptcy that remains ONLY on my TransUnion report. Transunion refuses to reinvestigate and continues to provide me with the same generic response from XXXX of 2021 which is against the law and violates my consumer rights as the credit report should have maximum correct information. Transunion continues to state the bankruptcy was verified through the XXXX  bankruptcy court which is inaccurate since they have been provided with documentation directly from XXXX bankruptcy court denying such. If this matter is not properly investigated, I will be forced to start the litigation process. Please properly reinvestigate and remove this erroneous information immediately.

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 2022-04-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is reporting on my Credit Report : XXXX. XXXX XXXX Inquired on XX/XX/2021 2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
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: Old information reappears or never goes away

Complaint:
I am requesting for Equifax to block and remove these fraudulent accounts immediately from my credit report. I have attached a copy of my police report as well as recent correspondence where Equifax removed these fraudulent accounts. Equifax is violating my rights and I will be suing your company. 


XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX BANK Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
A hotel held funds on my debit card, but removed the hold on Tuesday, XXXX. The bank still showed the hold on the account as of XXXX, and did not provide an easy way to remove the hold from the account. The only way they would remove was with a conference call with the hotel. I called the bank through their app, which was the only contact method provided, and an option for a third party call was not available. When I told the rep this, she said she also could n't do a third party call and could n't assist me. She gave no other way to resolve the issue. This is the second or third time USAA has put the burden of resolving their errors on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I have been trying to sell my home for over 3 years, CHASE Bank, during that period my real estate agent, presented XXXX offers to Chase as a short sale, THEY REJECTED all of them. 
Finally just recently, they accepted an offer, hooray. 
Here is my problem. CHASE has offered me a {$10000.00}. relocation allowance, to move. 
That would have been fine 3 years ago, but currently, the price of rental houses has more than doubled, and a {$10000.00}. relocation allowance in this market is just not Enough. 
As rental homes have XXXX, I need CHASE to XXXX there relocation allowanceto ME from the {$10000.00} current offer, and increase it to a {$20000.00}. relocation allowance. 
As rental properties have XXXX, it is only fair that CHASE XXXX my relocation allowanceto {$20000.00}. PLEASE MAKE THEM COMPLY WITH MY REQUEST, THEY KNOW THAT RENTAL PROPERTIES HAVE XXXX, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Diversified Adjustment Service, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent Diversified Adjustments a certified letter asking them to very the debt that owed. The agency sent a photo copy of the two years agreement that was not valid. The term was over and paid in full. Letter was mailed out to the agency asking them to validate the signature and the correct amount. The agency was ask to verify how they are validating the information and give the name and number of who validate the information is correct and valid. They did not response to the certified letter. I keep receiving harassing phone calls from them saying that the debt is valid. Without correct info how can the debt be valid with no account number. XXXX was the company that sold the account to two different collection agency. I sent both copies to the collection agency stating that the debt is not valid. 


Thank you XXXX 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 2021-10-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a company called Citizens One. 
I never heard of them I never did business with them and they are claiming that I missed my I phone payment. 

It looks like a collection agency letter but I am not sure, they are claiming that they are going to inform credit bureau that I am 30 days late. 

To me this looks like fraud and I wish that you look into this fraudulent letter and company because they may be causing others the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: LEXISNEXIS
State: UT
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: Public record information inaccurate

Complaint:
LexisNexis, AND XXXX XXXX XXXX AND CRIMINAL HISTORY IS INACCURATELY REPORTING IN MY GOOD NAME WITH SAID ABOVE COMPANIES. 
DUE TO ID THEFT AND FRAUDULENT ADDRESSES WHERE I NEVER LIVED. 
PLEASE SEE THE ( FTC ) REPORT ATTACHED FOR ADDRESSES, IN THE JURISDICTION OF XXXX XXXX ILLINOIS.

Company response to consumer: Closed with explanation