BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-16
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Borrowed XXXX from Tower Loan on XXXX XXXX. In XXXX, La. XX/XX/2019. Never missed a payment. XX/XX/2019, a hard inquiry on my credit report. I called to ask why, the girl XXXX couldn't answer. Asked her to please make sure it didn't happen again. come XXXX I go to buy a car at a dealership and there's ANOTHER inquiry from Tower Loan. I call over, this time furious! I begged them once again to PLEASE not use my social for anything! There was no need, I'm in the car buying process. XXXX offers to finance for me, I tell her ABSOLUTELY NOT. No thank you ... well unbeknownst to me, she refinanced my loan, then called me two weeks later and told me they lost my account folder and needed me to come in to re-sign all the documents. I didn't go right away I felt it strange. A few days later she called, needed my " LOST '' paperwork signed. I go sign the papers not knowing what she had done! I realize my balance increased after my payment yhe very next month. I called for 3 weeks spoke to 3 different reps, was told three different stories. Finally they tell me it's time to pay again, I refused until they told me why XXXX renewed this loan without my knowledge or approval. This guy XXXX tells me, '' that girl doesn't work there anymore & he has nothing to do with that ''. I requested 3 times afterwards to speak to a manager " XXXX " who was on vacation! He finally called, I explained everything, he told me she doesn't work there anymore & they can't do anything because I signed the papers. I asked for a supervisor, he ( XXXX ) told me I just didn't want to pay my bill! I get to the supervisor XXXX, I Tell him I'm about to call the XXXX & FTC because what his employee ( s ) did is/was against the law ... he apologized and told me, what XXXX did only cost me a little over XXXX ... 
I told him I never want to deal with that location or any employee after the way they cursed & treated me, he assured me I would not have to ... low & behold, they started calling me this month ( XXXX ) 4 days before I was due. I went to another location in person, they wouldn't accept my payment! I get an alert today, there's a hard inquiry on my credit report from them, TOWER LOAN ...

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 2021-02-25
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have disputed this erroneous information from XXXX XXXX and Bk chap XXXX before

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
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 I advised Transunion that I did not authorize or provide the above-referenced businesses and institutions permission to inquire about my credit status, and the continued presence of such inquiries on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act ( " FCRA '' ), must be removed subsequent to their reinvestigation as set forth in Section 1681i which requires Transunion to reinvestigate each and every disputed item and to complete the reinvestigation or delete the disputed item within one month. 
Furthermore, as further required by Section 1681i ( a ) ( 6 ) ( B ) ( iii ), Transunion should provide me with, " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In accordance with the Fair Credit Reporting Act, Section 611 [ 15 U.S.C. 1681i ]. 
Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), I had Transunion to provide me a copy of my report, reflecting the results of your reinvestigation " not later than 5 business days after the completion of the reinvestigation. '' TransUnion advised me that they would not initiate a dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: 1st Franklin Financial Corporation
State: GA
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:
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Dear Sir / Madam, I want to view my annual credit report and since I moved to XXXX, website is not allowing to view / download my credit report. Getting message that " this option not allowable in your country '' and instructed to approach you. Request you to let me know how can I get the report. Also let me know how can I reach you or you will be reaching me to get my contact & other details. ( Mentioned above not to share contact info and other details in this area ). Looking forward your response at the earliest. 

Thanks in advance, Thanks & Regards, 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 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11 As a result, I have been gravely affected and my score is suffering as a result. No written notice was ever given to me that Transunion was going to reinsert info onto my credit report without my knowledge, which is also a violation and I am requesting that all inquiries be removed.

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 2022-04-08
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the fair credit reporting act act XXXX XXXXt # XXXX violated my rights 15 usc 1681 section 602 a. states I have the right to privacy. 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish a account without my written permission.

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 2021-03-16
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WAYPOINT is claiming that I owe them {$220.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Union Home Mortgage Corp
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Union Home Mortgage provided me a mortgage on a new construction home from XXXX XXXX, which closed on XX/XX/XXXX. In XXXX of XXXX I discussed paying off this loan in full but was notified there was a backdoor deal between Union Home Mortgage and XXXX communities where and escrow hold document ( included ) was created for incomplete work on the home. This escrow document was not shared with me at closing nor were any funds held by the title company as noted on the document. 
I believe it is required that they disclose all documents related to my mortgage and home purchase prior to closing. 
On XX/XX/XXXX I began communicating with Union Home Mortgage to get more details about this non-disclosed escrow document and funds which should have been retained for work not completed per my purchase contract. 
I contacted XXXX XXXX XXXX who stated they were not holding any funds as were referenced on this document. 
Union Home Mortgage said that no funds were held and if I pay off the mortgage I have no recourse on recovering the funds due or work being completed. 
I think the Truth In Lending Laws and I have been violated and now that this mortgage has been sold to XXXX XXXX, by not disclosing and recording this appropriately so have they. 
Having the mortgage company who is associated with the builder hide and not collect funds at closing for incomplete work does not seem legal or ethical. 
I am now prevented from paying off the mortgage or I would have this liability. 
Email communications are attached and identify several steps where incorrect information was provided and through my contacting the various parties I have discovered the issue at hand. 
I think Union Mortgage should be required to obtain the escrow funds back from XXXX communities and held at the title company as designated on the doucment they agreed to without my knowledge.

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 monetary relief
Consumer complaint received 2022-10-27
Company: JTM Capital Management, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a charge off on my XXXX, XXXX, and XXXX credit reports that was purchased by JTM Capital Management LLC in XXXX of 2018. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for a debt validation letter. If they dont, theyre in violation of the act. I have attempted to contact JTM Capital numerous times by phone and letters, they do not answer the phone or haven't responded to my certified letters and it has been over 3 months. JTM Capital is involved in numerous lawsuits about the same issue I'm having. I have also sent debt verification letters with no response. JTM Capital doesn't have the legal right or license to operate in my state of Massachusetts making this debt void also. I demand that this charge off be removed from my credit reports.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian will not unfreeze my credit. If this is not resolved within 7 days it will cost me my mortgage and the {$100000.00} I have invested. MY credit is perfect but experian will not release the freeze. I have called 20 different numbers and mailed in several forms and no response. 

PLEASE HELP ME!!!!! 

Both XXXX  and XXXX XXXX  removed the freeze without any problems.

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 2021-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
An unauthorized credit transaction was done with my credit card as defined under 15 U.S Code 1602 ( I ) and there was a finance charge involved as defined under15 ( 1605 ). An alleged debt has been placed on my persons, which is a violation of 15 U.S.C 1692 ( e ), because they falsely represent the status of a debt. There is no consent for any of my consumer information to be furnaced to any Bureaus or 3rd parties. Violations of the truth and lending act, FTC, and the FDCPA have caused significant damages as a consumer. The original creditor does not validate this alleged debt. I have firsthand knowledge of violations supported by documentation. Debt collectors have imminently invaded on consumers legally protected interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: First Technology Federal Credit Union
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
First tech bank has reverse a dispute leaving me in negative - {$650.00} I have sent them proof of the valid dispute and they just dismissed it I tried fixing this problem for months I have pending deposits they already rejected a deposit. I trusted this bank and its causing me so many inconvenience. They have done nothing to help me resolve that issue even if I sent proof to them over and over again. They charged off my account even if there was a dispute investigation going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid my late payments with  XXXX  and the  XXXX   XXXX  took it off my collections account but the equifax still has it on theres and it 's been over a year and still has not been taken off, and with that being in there it 's affecting my credit background checks for my job I am applying for so I need it off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had a tax lien recorded on XXXX XXXX, XXXX. The lien was subsequently withdrawn by the filing agency on XXXX XXXX, XXXX due to the lien being satisfied ( paid ). The item of record itself is over seven years old and it has, in fact been withdrawn. My understanding, and please correct me if I am wrong, is that this should not appear on my credit report because the withdrawal of the lien has the effect that it never existed. These item is being reported by both XXXX and Transunion. I believe it is on my XXXX report as well. 

Please help me get this removed if I am entitled to have it removed. Thank You.

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 2021-03-16
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My Coinbase was hacked and Hacker sells and withdraws money to an unknown XXXX account.. I made many ways to contact and made many cases but it very hard to wait, and has no responding other then ROBO replays. The hacker made unauthorized transfers were almost {$15000.00}. Hacker linked new XXXX accounts and sold all of my BTC and Ether with in minutes to USD, then transfer with in sec to unautorized XXXX. I contacted XXXX directly since Coinbase has no Live support, but XXXX can not do any actions, the case must contacted by Coinbase service,,. These are my Unauthorized items : 1 ). On XX/XX/2021 at XXXX PST, you initiated a withdrawal of {$1700.00} from your USD Wallet. {$1700.00} will arrive in your XXXX account by XX/XX/2021. Withdrawal reference : XXXX 2. ) On XX/XX/2021 at XXXX PST, you initiated a withdrawal of {$2500.00} from your USD Wallet. {$2500.00} will arrive in your XXXX account by XX/XX/2021. Withdrawal reference : XXXX 3 ). On XX/XX/2021 at XXXX PST, you initiated a withdrawal of {$2500.00} from your XXXX XXXX. {$2500.00} will arrive in your XXXX account by XX/XX/2021. Withdrawal reference : XXXX 4 ). On XX/XX/2021 at XXXX PST, you initiated a withdrawal of {$2500.00} from your USD Wallet. {$2500.00} will arrive in your XXXX account by XX/XX/2021. Withdrawal reference : XXXX 5 ). On XX/XX/2021 at XXXX PST, you initiated a withdrawal of {$2500.00} from your USD Wallet. {$2500.00} will arrive in your XXXX account by XX/XX/2021. Withdrawal reference : XXXX 6 ). On XX/XX/2021 at XXXX PST, you initiated a withdrawal of {$2500.00} from your USD Wallet. {$2500.00} will arrive in your XXXX account by XX/XX/2021. Withdrawal reference : Unknown. Lost confirmation email. 


I do not know how many funs will be lost more since now my Coinbase is lock out by reporting unauthorized. The Coinbase has security flows on Compromised unauthorized transfer to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: LA
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:
I sent a Method of Verification letter on XX/XX/2022 to Equifax they have not responded to the letter. It has been over 100 days and they are now in NON COMPLIANCE per 15 USC 1681e. I also sent an AFFIDAVIT OF TRUTH XX/XX/2022 in which Equifax has blatantly disregarded. Equifax has 30 days to respond to the AFFIDAVIT OF TRUTH it is now 60 days past due. ALL OF THIS FALLS UNDER NON COMPLIANCE PER 15 USC 1681e. I also have Certified Mail Receipts To Prove Equifax is disregarding my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX credit ... a debt collector ... has filed without following guidelines of fcra

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 2021-04-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Ive communicated with 3 individuals both in person and online. I have been charged three overdraft fees without them being able to say why. 
They claim its for a XXXX  transaction but XXXX does not allow any transactions to be made without a positive account. 

The {$79.00} withheld is a weeks worth of groceries XXXX third is consistently charging fees the hours prior direct deposits being made, making it seem as if they are right in taking these charges when in fact it is theft of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I have contacted the credit bureaus XXXX, XXXX and Transunion requesting that these fraudulent and unauthorized inquiries be removed, and they have refused. I didn't apply to and have no recollection of these companies. 


XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date XXXX XX/XX/XXXX XXXX Miscellaneous and public record Inquiry XXXX : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX 2023

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