BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-06
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I returned a car, early, to GM Financial Leasing after a 48 month term on XX/XX/2020. The car was scheduled to be returned by XX/XX/2020. I received a letter today dated XX/XX/2020 from the leasing company with an " itemized breakdown of the remaining amounts due on my account ''. They are requesting a total of {$650.00} for a disposition fee {$590.00} + {$.00} past due payments + {$56.00} for " official fees/taxes imposed by government agency ''. This money is due on XX/XX/2020 and they threatened to report non-payment to the credit reporting agencies. I called and spoke to their representative who explained the disposition fee is something I have to pay because I did not lease or buy another GM product. I was not happy with the car. I subsequently did not choose to buy or lease another GM product that I consider substandard. The car had a fender that popped out and the service person at the dealer knocked the fender back in with his fist. No bolts or glue to hold it together. I returned the vehicle in good condition with no excess wear & tear, XXXX miles under mileage allowance & a new set of tires. I talked to XXXX & his manager, XXXX ( ID # XXXX  ) and they would not waive the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, 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:
I have called as well as submitted multiple FTC reports in the past showing that I have been a victim identity theft. The fraudulent hard inquiry I am trying to have deleted is for Equifax : XXXX XXXX XX/XX/2021 They have not deleted this inquiry despite me sending in 4 rounds of disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
One year and a half years ago this company called XXXX XXXX company opened dispute of a account but I didnt receive proper notification or verification of debt of account.the debt wasXXXX. I  contacted them and got no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was credited by XXXX XXXX company on X/X/2017 for XXXX to my closed PNC account. Almost two months later, PNC still has not returned the funds to XXXX nor refunded my via check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2022-07-11
Company: Upgrade, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2022, applied for a personal line of credit and received {$25000.00} loan option continent upon review of paystubs, credit check, tax returns, and tax transcript. All requested items were submitted by XX/XX/XXXX. On XX/XX/2022 received request to authorize company to obtain tax transcripts and was told approval from this point could take up to 30 days. Call two times on XX/XX/XXXX and XXXX to inquire and was told both times still waiting on tax transcripts. To date, I have not received a decision regarding application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: VA
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:
The 3 major credit bureaus are reporting unvalidated information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Radius Global Solutions LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
credit collection agencies, the previous employer/s had shared, disclosed health and personal identification info without consent XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX of WI child support

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 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
on XXXX I sent in a letter to validate accounts on my credit report, they did not resond. I sent in a failure to respond letter on XXXX it's now past 45 days and by law it must 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 2019-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. 
XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX XXXX XXXX LA XXXX. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX please delete all other variations of my name. I am no longer affiliated with these addresses I would like to have my credit report to reflect true up to date that is accurate information. My current address is XXXX XXXX XXXX XXXX XXXX LA 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 2018-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018, I disputed for the second time, a collection account with TransUnion and XXXX   being reported on my credit report by XXXX XXXX XXXX. On the second request, the account was found inaccurate and deleted by XXXX, but TransUnion reported it " Verified/Updated ''. On XX/XX/2018 I notified Trans Union of the inaccuracy found by XXXX  and asked them to either provide documentation of the verification they received or delete the account as well. 

On the XX/XX/2018 update from TransUnion, the account with XXXX XXXX XXXX was reported back " Updated '' with no changes to the account, but not " verified ''. This account is still reporting on my credit file. 

The same issue has occurred with XXXX. On the same dates as above, I disputed XXXX 's account with TransUnion and XXXX. Trans Union responded the account was unverified and deleted it. When I notified XXXX of TransUnion 's findings and asked them to comply, they also reported the account verified and updated on their next updated on XX/XX/2018.

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 2020-03-06
Company: Arete Financial Group
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Disputed : XXXX/XXXX/XXXX CFPB : XXXX XXXX XXXX & Arete Financial Group LLC Account : XXXX In XX/XX/XXXX I contracted the services of Arete Financial Group, LLC a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for XXXX   reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is : XXXX XXXX XXXX with an original debt of {$790.00}. 
I have just completed my accounting for tax purposes and found that I have paid {$600.00} to the creditor via the consolidation program and my balance now due is {$190.00}. 
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last ( 6 ) months and have not been able to receive a response to any of my communication. 
On XX/XX/XXXX I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC and it has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer to the creditor on XX/XX/XXXX to pay off a remaining balance of {$760.00} was declined by the creditor of which I am grateful as my financial accounts highlights that balance as being incorrect and if it were accepted at that time, I would be liable for paying far more that what is actually owed and I request that the amount owed be corrected to reflect the payment made of {$600.00} via the consolidation company and report the actual correct balance of {$190.00}. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the evening of XX/XX/XXXX around the XXXX hour the fire alarms sounded at XXXX XXXX XXXX in XXXX XXXX, Florida. I then went to the XX/XX/XXXX located at XXXX XXXX XXXX XXXX , XXXX, FL, XXXX. This was the last location I had my wallet. I successfully purchased the items I sought to buy that evening and thus had my wallet in my possession on XX/XX/XXXX. The following morning, XX/XX/XXXX, following my daily reconciliation of my bank account I received a text from Chase Bank stating that potential fraudulent transactions were processed on my account and instructed me to call them to verify these transactions. At this point I was driven to attempt to locate my wallet. When I was unable to find my wallet I logged into several other accounts which could have been effected from the cards that were potentially in my wallet when it went missing. I noticed that charges were also consecutively being charged on several other accounts. I then reported the fraud to Chase, and requested a new card and a stop be placed on my current debit card. Following the investigation performed by Chase Bank I was informed that they had deemed these charges to be correctly authorized and would thus proceed to remove the amount of the transactions, subsequently credited back to my account when the fraud was reported. I am certain that no pin number was utilized for these transactions. Chase stated the transactions were made at " chip enabled '' locations however can not confirm that a pin number and a chip were used to make these purchases. My wallet was never recovered however all cards were deactivated, fraud claims processed by the other banking institutions and new cards were issued. The two charges that are being refused for fraudulent activity by Chase Bank are as follows ; ( 1 )  XXXX XXXX - Store # XXXX for {$420.00} ( 2 ) XXXX - Store # XXXX for {$110.00} ( XXXX XXXX XXXX XXXX Space # XXXX, XXXX, FL, XXXX ) Total fraudulent charges on Chase debit card amounted to {$530.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-25
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was set up to complete a mortgage with Quicken Loans INC. the third party appraiser, turned in an appraisal document with words mispelled, missing or incorrect information, and failed to fill out the certification that the individual was physically present at the property. Quicken Loans failed to contact me to get the matter resolved. I as an individual had to gather documents from XXXX, and local tax office to show the invalid information contained within the report. Quicken Loans failed to contact the consumer to update him of the process, the consumer had to reach out to Quicken Loans multiple times, and finally Quicken Loans in an email admitted that the XXXX party appraisal management company found that the comparable properties turned in by the consumer should have been considered. Quicken Loans after nearly a week and a half has failed to resolve the situation. Quicken Loans stated via telephone that the issue was the consumers fault. Quicken Loans has failed to refund any deposit made by the consumer. Quicken Loans has failed to follow any good faith gestures in their short comings.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a loss mitigation package to attorneys for servicer SPS. On XX/XX/XXXX, I received the denial letter dated XX/XX/XXXX, from SPS 's attorneys. It was XXXX months late, it had an incorrect NPV gross monthly income amount and incorrectly denied HAMP Tier 2 eligibility. On XX/XX/XXXX, I sent SPS 's attorneys a notice of appeal consisting of an explanatory letter and XXXX spreadsheets showing my waterfall calculations. By letter dated XX/XX/XXXX, SPS denied the appeal claiming I had provided no documentation and it was past the 30 day appeal deadline. I responded by letter dated XX/XX/XXXX. All cited letters are attached herein.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: VA
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:
I consumer XXXX XXXX, received a consumer report from Experian and noticed fraudulent accounts that I didn't consent to nor give written instructions to furnish on my report pursuant to 15 USC 1681b ( a ) ( 2 ). The fraudulent account is inaccurate and have affected my creditworthiness. Pursuant to 15 USC 1681 ( 4 ), the fraudulent accounts are an invasion of my right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
After years loan modification has damaged our credit, we have been stressed out, and we got XXXX time trail modification. We paid XXXX XXXX XXXX modification from XX/XX/XXXX- through XX/XX/XXXX with all hope and Affordability modification but after all payment SELECT PORTFOLIO SERVICING INC collected approximately {$34000.00}. We have not received affordable modification and, we believed they are violated the California law because they collected the money after 5 years expired statue limitation, my Account due date start XX/XX/XXXX. We did not receive an offer for the modification ; They did not increase the term, did not forgiveness,, did not principal reduction, and did not lower any payments. 
The SPS collected the money after California statue expired we have requested again after one year we received a new trial modification on XX/XX/XXXX and we have have to pay 3 month trail modification again, they will not increase the term, not give us forgiveness, not give us a principal reduction, or give us lower payments. Select portfolio servicing collect the money by new trick and never reduce the Affordability modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: General Information Services, Inc
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I received an employment offer from XXXX XXXX cable in XXXX XXXX on XX/XX/2016 pending a consumer background report investigation which was subsequently performed by General Information Services ( GIS ) based out of XXXX, XXXX. I then received an adverse action letter from GIS followed by an email from XXXX XXXX informing me the offer had been rescinded due to criminal conviction information reported by GIS. GIS reported criminal convictions to XXXX XXXX that antedated or preceded the report by more than 7 years which is a violation of XXXX Law, specifically XXXX Business and Commerce Code Chapter 20.05 which states : Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. ( a ) Except as provided by Subsection ( b ), a consumer reporting agency may not furnish a consumer report containing information related to : ( 4 ) a record of arrest, indictment, or conviction of a crime in which the date of disposition, release, or parole predates the consumer report by more than seven years ; ( b ) A consumer reporting agency may furnish a consumer report that contains information described by Subsection ( a ) if the information is provided in connection with : ( 1 ) a credit transaction with a principal amount that is or may reasonably be expected to be {$150000.00} or more ; ( 2 ) the underwriting of life insurance for a face amount that is or may reasonably be expected to be {$150000.00} or more ; or ( 3 ) the employment of a consumer at an annual salary that is or may reasonably be expected to be {$75000.00} or more. 

( b-1 ) A consumer reporting agency may furnish to a person a consumer report that contains information described by Subsection ( a ) if the information is needed by the person to avoid a violation of 18 U.S.C. Section 1033. 

The salary offered to me for this position as a Call Center Customer Retention Rep was {$13.00} per hour or {$28000.00} annually. 
I want to file a compliant that my FCRA rights were violated by GIS by the reporting of criminal convictions to XXXX XXXX cable that were in fact, older than 7 years, which directly led to my employment offer being rescinded, and caused harm to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: ID Analytics, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX I went to purchase a car at XXXX XXXX in XXXX, NJ. I applied for financing through XXXX which they submitted to various banks. One of the banks ( XX/XX/XXXX XXXX denied my financing based on a Credit Report from Sage Stream LLC. I had never heard of this credit agency before. I always keep my credit reports frozen at the 3 main credit agencies ( XXXX XXXX and XXXX ) to protect my scores and potential identity theft. My scores at those 3 agencies are all above XXXX. My loan was quickly approved at XXXX using my XXXX  score so the loan approval is not my issue. My primary concern is Sage Stream LLC. I immediately searched for Sage Stream online and found dozens of complaints similar to mine regarding Sage Stream. The following day, XX/XX/2020, I submitted an online request to receive a copy of my free credit report according to the instructions on the Sage Stream website providing all required information including a copy of my driver 's license. I requested a copy of my free Credit Report and I requested that my Credit Report be frozen with Sage Stream. As of XX/XX/2020, I have not received any reponse from Sage stream in the mail. I have also left 3 messages on their voicemail at XXXX XXXX XXXX XXXX which they claim they will callback within 48 hours ... never got a response. No one ever answers the phone and they pretend that " all operators are currently busy ''. There is no ability to email, chat or communicate in any way. It is amazing to me that a credit reporting agency is allowed to operate this way in 2020. I'm concerned that I've provided personal information to a blackhole. I want a response from this company so I know why the bank denied my financing request so I can take the next step to dispute any potential inaccuracies on my Sage Stream report. I also want my credit report frozen at Sage Stream immediately to protect my data. I hope someone at CFPB will hold this company accountable for these shady business practices. There are a couple dozen identical complaints about this company on the CFPB website under the parent company name of ID Analytics. They are also a subsidiary of XXXX. I look forward to your prompt response in resolving this matter. Thank you.

Company response to consumer: Closed with explanation