BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-17
Company: Larry H. Miller Group of Companies
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I asked for my payments to be lowered and was told that they do n't refinance. I have n't been involved with the co-signer for three years and they have told me that there was no way to remove him from the contract. I make all the payments by myself. The total price of the vehicle is suppose to be {$14000.00}. The total with interest is suppose to be {$30000.00}. I have paid up to XX/XX/2017 a  total of {$21000.00} by my best calculations. I 've been told by XXXX XXXX XXXX which is located in XXXX Utah that I have a balance of {$9300.00} this seems wrong in more ways then one. I feel I 'm being ripped off with this high interest and would like to know if CFPB can tell me if this whole transaction has been legal. If it is then I really need help getting my payments lowered and the interest down if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: EQUIFAX, INC.
State: MD
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 around XXXX XXXX, XXXX, I submitted a copy of my drivers License and social security card along with a letter to the CRA and instructed them to update my personal information including address, phone number, and employer. I have repeatedly requested to have this information updated as I followed all of their procedures by sending in documents to verify my identity. As of XXXX XXXX, the credit report still shows inaccurate personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 around XXXX XXXX, XXXX, I submitted a copy of my drivers License and social security card along with a letter to the CRA and instructed them to update my personal information including address, phone number, and employer. I have repeatedly requested to have this information updated as I followed all of their procedures by sending in documents to verify my identity. As of XXXX XXXX, the credit report still shows inaccurate personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a call from XXXX XXXX credit card stating that they needed more information from me to process my application, I informed them that I did not apply for a credit card and that I have in the past had issues of identity theft on my accounts and other issues of someone apply for auto loans, etc. I have had this problem for over 10 years off and on everytime I think this issue of idenity theft starts to slow down, something else pops up again. I told the lady I spoke to this and said that I did not apply for this, and ask her since this happened that I did not want this to become a hard inquiry on my credit report because this was fraudulent, she told me she would let the company know. Well it did show as a hard inquiry and I have been trying to get this removed off of my credit report as a hard inquiry. The date of this inquiry shows on my report as XX/XX/2022. I spoke to TransUnion and XXXX XXXX and I was told only way I could get this removed was to go thru the channels of this to do it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Experian Information Solutions Inc.
State: IL
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:
After sending information to verify myself with my disputes ( XX/XX/XXXX ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below  ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX {$1300.00} not mine XXXX XXXX XXXX XXXX XXXX {$3500.00} not mine XXXX XXXX XXXX XXXX {$2500.00} not mine XXXX XXXX XXXX XXXX XXXX {$230.00} not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX not mine

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 2022-08-14
Company: Kikoff Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company appears on my XXXX credit profile as delinquent and Ive never applied for an account with them. I have a credit freeze on my credit bureaus and have attempted to contact them ( email only because their phone number doesnt take calls or accepts voicemails ) but havent gotten a response back. Im showing ( 2 ) months behind on a account that I didnt apply for and havent used. This is very disturbing to me. I have challenged this debt on my XXXX report and what some remedy. Any assistance you may be able to afford would be greatly appreciated. 


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

Complaint:
I have not supplied poof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX, I presume that NO PROOF of the alleged debt, nor therefore any such debt, in fact exist.

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 2022-06-13
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX and Account # XXXX XXXX XXXX  have violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account or transaction information without my written instructions 15 U.S.C. 1681a Section 2 ) Exclusions from a credit report - the consumer report does not include - ( A ) ( i ) reporting of information solely as to transactions ( payments ) or experiences between the consumer ( me ) and the person making the report.

15 U.S.C 1681a ( d ) 1 - It also states that a consumer reporting agency can not communicate any information that determines a consumer 's credit worthiness or credit standing when it comes to be used in determining a consumer 's eligibility when applying for credit for personal purposes

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 2022-06-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Dept Of EDXXXX Account XXXX XXXX, XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Dept Of EDXXXX Account XXXX XXXX, XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is regarding the current covid financial issue that was supposed to be placing everyone at ease with being unemployed. In XX/XX/2020, I submitted a request to Wells Fargo Home Mortgage for a three month deferred payment option due to the COVID financial crisis that put a strain on my ability to make those payments. I made my XXXX payment, never have missed a mortgage payment in 30 years and should have gotten no response until XX/XX/XXXX payment due. Since that time frame, I keep getting letters and emails from Wells Fargo that are completely unnecessary waste of paperwork. I then spoke to a customer service representative on a recorded line ( XXXX ) who said no worries about starting that next payment in XXXX. Unfortunately, they just send more form letters ( per their customer service rep XXXX stated ) that doesn't put my mind at ease with the financial stress. My next mortgage payment would be XX/XX/2020. I have excellent credit rating and do not like the way Wells Fargo is not handling this in a cordial manner. The nature of the financial deferred payments was to reduce stress of the people. Wells Fargo is failing to do this at this time. There were no notes in the file when I called them back on XXXX to clarify what exactly was going on internally with my mortgage. They then said that they would give three months more,

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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. These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being report to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 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 non-monetary relief
Consumer complaint received 2022-06-13
Company: EDvantage LLC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I had applied for the student loan with a financial advisor through the school. However I took the loan out because I was told that the program I was signing up for was a certification program. I specifically said I need an XXXX certification I was told Id get certified. I also was very clear that I wanted to become a XXXX XXXX So I did the process for the loan and started school. Close to 2 months before externship I started asking questions about our final exam and if that was how we would receive our certification I was told no you get a diploma of completion. I raised on concerned with the staff but was told sorry you were misinformed and it was misleading information. Then it came close to externship and I expressed again I wanted to go to a site that offers medical coding. I was told they dont offer sites for that and cant send me to one. I said how coming the program is medical billing and coding and I cant go experience for coding they said I have to be certified I said how can I be certified if you dont certify anyone they said they only offer medical billing sites. 
I wouldnt have taken this big loan out had I known that I couldnt get a certification in medical coding I wouldnt have taken this loan out had I known they dont off sites for medical coding. The whole process was rushed and I feel as I was mislead and given false information just so they can show numbers or meet a quota to get me into the program quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent 4 Electronic payments of {$680.00} for my XX/XX/2019 payment. One payment is missing and not applied to my account. I contacted my bank whom spoke with them and said they received the payment. I sent proof of payment and bank statements. Still loancare can not find XXXX dollars

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 2023-01-07
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I engaged with Coinbase XXXX XXXX and created an e-wallet.. I got engaged with the scamming company with somebody on XXXX, I clicked on the advertisement and after 20minutes later I got a phone call from someone with XXXX. They told me that I could make large amounts of profits if I deposit cryptocurrency on their platform, they manipulated the trades so that every client will lose money. Then I transferred my funds from my Post bank account to Coinbase at their instructions starting with small amounts, they kept calling me trying to convince me to deposit more, and after one week I transfer XXXX extra and another XXXX two weeks later totaling around XXXX ( XXXX at that time ) my money was transfer via wire transfer. They tried to get more money from them, but after I realized it was a scam I stopped all transfers. I hold Coinbase accountable for not having a contact/wallet database sufficient enough to identify risky merchants, and for not warning me about the potential danger I'm engaging with the fraudulent wallets.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Recently my credit card company has started putting 14 day holds on most of my payments. This is a reward card and I had car payments, cable, cell phone, utilities and other automatic payments posted to this ard to maximize rewards. By failing to give me immediate redit they have made me remove all payments because for most of the month they are not making the funds available They never notified me of this " change '' and I only found out when scheduled transactions were declined. In over four years with this card - credit was granted immediately. I have not had any late payments or returned payments. I believe they saw that I was using the card for full reward benefits and instituted this to prevent me from earning maximum rewards. The card # below is a new card issued, XXXX 2021 and replaces card ending in XXXX which is where the unfair practice started

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Klarna AB
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Klarna was listed as a financing option for a product sold by XXXX. Its the only financing option. The requested amount was to cover the purchase of an XXXX I completed the online application and was approved for the full amount. I accepted the terms for 3 year fixed rate loan. After reviewing the TIL disclosure I clicked submit and then was told I was declined after being approved and the reason was listed we are unable to verify your identity. I was then reached out to the finance company and informed them of the issue and was willing to provide any type of documents to verify my identity and was told No, there is no escalation or reconsidering. I let them k ow that I thought it was illegal to decline an applicant for that reason without first allowing the applicant to prove his or her identity and the. Was told Id get a letter or email stating the same. I have never received such correspondence. I noticed on social media others are being declined for the same reason after being approved and the result is the same. No reconsideration!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
My credit report includes the erroneous information that needs to be investigated and delete : 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 non-monetary relief
Consumer complaint received 2019-10-14
Company: IQOR US INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
You are trying to contact me at my job.

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 2017-06-27
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX/XXXX/XXXX I went to annual credit report.com and ordered my credit reports. I went to the dispute sight for Transunion and tried to register to file my dispute and it said I already had an account, so I did the lost username/password. I received a message that my account has been temporarily suspended and to call XXXX. I called and verified my personal information and I was transferred to a lady that said in XXXX I had paid for credit monitoring and opened an account, I said probably but I cancelled the credit monitoring and she said the only way I can unsuspend my account is to provide a credit card and I told her no I do not want credit monitoring I just want to be able to dispute some items on my credit report, she then replied there was nothing she could do unless I provided her a credit card number to reinstate 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 explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief