BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried numerous times to get validation from this company. I have sent several letters in which they ignored. I have filed complaints through the consumer financial protection bureau. They company just sends a blanket letter stating they didnt receive appropriate documentation and then apologize but do not fix the issue. There are nothing but complaints about this companies tactics, collection attempts, and falsely claimed owed debts yet they continue to refuse to validate appropriately the debt. At this point I have seemed legal representation to take action against this company. They continue to report falsely to my credit report and other customers therefore we will no address them through legal actions. This company should not even be allowed to conduct business with all of their complaints and illegal tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The attached documents show XXXX failed to live up to the terms of the MPN for my Private Student Loans they acq uired from XXXX. 1. XXXX XX/XX/XXXX response to CFPB ( page 17 of doc ) explains the loans were in deferment XX/XX/XXXX- XX/XX/XXXX and as such " they did not provide statements. '' Page 14 of the attached doc ( p. 4/6 of MPN ) clearly states repayment conditions. Among these are : 1 ) I may, but am NOT required to make payments during deferment/forbearance periods, 2 ) XXXX  was to have supplied statements during the deferment period to keep me abreast of interest accrual and outstanding balances ; 2. XXXX XX/XX/XXXX states XXXX and XXXX subgroups were in a disaster forbearance that was retroactively applied from XX/XX/XXXX thru XX/XX/XXXX. Therefore no derogatory history should report period ; 3. XXXX erroneously charged off an account that had been in forbearance and/or deferment BEFORE the due date for the statement generated XXXX XX/XX/XXXX ( see p. 23 - 24 ) Thus, XXXX improperly billed and reported inaccurate payment history to the CRAs and violated terms of the MPN because XXXX failed to deliver statements during the deferment and/or forbearance period ( s ). These types of violations are consistent with the haphazard processes that led the CFPB to issue consent order 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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
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 XXXXXXXX I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated

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 2022-06-05
Company: Affirm Holdings, Inc
State: VT
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:
Initial Date of Debt - XX/XX/XXXX Original Debt Amount - {$660.00} Remaining Balance - {$680.00} Company - Affirm LLC Bank Information XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX XXXX  XXXX Bankruptcy Bankruptcy Filed - XX/XX/XXXX Amendment Bankruptcy Filed - XX/XX/XXXX Bankruptcy Order of Discharge - XX/XX/XXXX - Judge XXXX XXXX I initially contacted the company on XX/XX/XXXX inquiring that this debt was included on my list of discharged debts, from my bankruptcy that was discharged a few months prior. I received an email from XXXX XXXX, stating that and I quote from the email " I can confirm that loan ****** was charged off on XX/XX/XXXX. Per the records provided your bankruptcy was filed on XX/XX/XXXX, and this debt was included '' after that email I submitted a dispute with the XXXX Credit Bureau, It was received back that the information was correct on my credit report and it remains. 

On XX/XX/XXXX I messaged Affirm Customer Service inquiring about this again why it still remains on my credit report as charged off and nothing noted as being Discharged thru XXXX  XXXX Bankruptcy like the other loans I had from the same bank. 

On XX/XX/XXXX I received a reply back from XXXX XXXX, from Affirm Help Center stating and I quote " Due to you notifying us of your concern, we are conducting an investigation to ensure that any inaccuracy is corrected. '' On XX/XX/XXXX I was contacted again via email by XXXX XXXX from the Affirm Help Center and it stated " We have investigated any credit reporting implications as a result of your recent claim, and have taken steps to ensure that your credit report is accurately updated. Please allow 3-5 days for this to update on your XXXX Credit Report. '' I replied with inquiring what the update was on the same day with no response till XX/XX/XXXX On XX/XX/XXXX I received an message from XXXX XXXX, from the Affirm Help Center and it stated " I am reaching out regarding the credit reporting for your Affirm loan *********. I understand there was confusion regarding this and i'd be happy to clarify this. ******, we have taken steps to ensure that your loan *********** was correctly reported to the credit bureau as having been included in your bankruptcy. '' I submitted at least twice to XXXX that this account should be showing as Discharged with XXXX  XXXX Bankruptcy, and every time they investigate the dispute it comes back with " Please Contact XXXX XXXX '' and will still show as remains. Most recent report generated by XXXX on XX/XX/XXXX it still shows on there as it was certified to XXXX that the report and information accurate when all of the other accounts from the same bank and same debtor all show " Discharged through Bankruptcy XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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:
I've brought this matter to CFPB and XXXX bank before. Today, looking at my report and continue to see the questioned payment discrepancy that occurred almost 5 years ago impacting my score. This is in addition to now having paid almost the entire balance off. I considered hiring a lawyer, but during my research came across the below consumer legal rights. 

In accordance to the Free Credit Reporting act. This creditor XXXX Bank has violated my rights under 15 USC 1681. Section 602 which states that I have the right to privacy.

15 USC 1681, Section 604 a, Section 2 ( II ) also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666B, a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose. Please address this accordingly, immediately and lawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2006 ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX AUTO XXXX Balance : {$0.00}.

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 2022-10-18
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a private student loan with Discover Bank with a variable interest rate. While XXXX interest rates have risen over the past year, so has the interest rate on the loan. In my Promissory note, Discover Bank stated they would be using the quarterly XXXX rate for any changes. However, within XXXX days, Discover Bank has changed my interest rate twice. The first, a slight reduction. The second, a full 1.5 % rate increase. The XXXX rate from last month has gone up .5 %. Discover will not disclose why I received two interest rate changes, they will not disclose why the increase was so much larger than the XXXX increase, and they are not following the terms of agreement laid out in the Promissory Note. This represents the largest single increase I have ever received for this loan, and amounts to a 15 % increase in my payment with absolutely zero explanation other than them notifying me of a change. I have zero missed or late payments on this loan and I have on several occasions paid more than the minimum where financially possibly. I believe Discover is abusing its authority to change the interest rate on my variable loan, as is evidenced by their lack of disclosure, multiple rate changes within a span of two weeks, and an increase far beyond the XXXX increase which they are supposed to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Avant Holding Company, Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for Avant credit card in XX/XX/2023 and was approved. I moved while waiting for card to be mailed. I obtained a po box address while I was awaiting my new physical residence. They refused to mail to the po box . I've submitted numerous times documentation showing my new physical address with update State Drivers license, rental insurance and lease as well as car insurance ALL showing this physical address. I've emailed, called and complained but nothing settled. It's been over 3 months and the account is open with a credit line but I have no card.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Bridge It, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Brigit never had authro8zed access by me to use my checking account for ACH withdraws. However, on XX/XX/2023 Brigit did indeed take an ACH withdraw from my XXXX checking account. I want to be sure they are unable to ever again take an ACH withdraw from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland funding has continued to try and collect a debt from 2010 that was covered under debt insurance. I paid my bill until I was unemployed due to XXXX, filed the claims, and they have continued to harass me. I called them and quoted that the statute of limitations had long expired and that they were to cease and desist collection efforts. The woman said that there is no statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to report an issue that I have encountered with my credit report. On XX/XX/ 2022, I requested more information regarding errors that I found on my credit report from your company. Instead of providing me with the requested information, the item was simply deleted and replaced on the clock. 

I believe that this action is illegal as it essentially reset the clock on the item and prevented me from obtaining the necessary information to correct the errors on my report. I am writing to request that the company involved provide me with the necessary information to correct the errors on my credit report. 

If this issue is not resolved, I will be forced to escalate this matter to the Attorney General 's office. I urge your company to take swift action to address this issue and provide me with the necessary information to correct the errors on my credit report. 

Thank you for your attention to this matter. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: Experian Information Solutions 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2023-06-30
Company: RentDebt Automated Collections, LLC
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
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 filed a dispute in regards to incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

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 2019-04-10
Company: ENCORE CAPITAL GROUP INC.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection attempt from " XXXX XXXX , XXXX '' ( allegedly based in XXXX, MI ) in the mail for both an account I have never had and an amount of money I have never owed. The account numbers they're referencing do not exist, and neither the account or the debt appear in my credit report. This is a fraudulent collection attempt from beginning to end. I do plan to contact the company directly and attempt to sort things out and have the collection discharged and my information removed from their database ; however, I wanted to take steps to report this fraud before contacting them. This company has either been misled by some other fraudulent reporting organization or is itself creating these fraudulent reports in an attempt to scam myself, and others no doubt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXX Balance : {$450.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$19.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$31000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$880.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX  XXXX Balance : {$9200.00}

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 2023-06-30
Company: Payfare International Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I'm currently locked out of my XXXX XXXX account, It won't allow me to reset my password because it's asking for my card information, and i do not have that. I did call XXXX customer service and they told me, they're not the ones that handle those issue. I tried finding different ways to contact the payfare dasher direct, there's no contact. This is absolutely ridiculous how i'm not able to work and get paid due to me not able to reach ANY customer support

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
For more than a month now I haven't been able to access my online account. Which means I'm not able to see my account balance or my credit account balance, and it also means I can not make a payment to my credit card. Witch will obviously affect my account. 

I tried to reach HSBC on the phone, they transfer me to various departments, and nobody knows how to help me. 

I was asked to send a proof of address, which I was told I would get an answer in 5 business days. Nobody answered me.

Company response to consumer: Closed with explanation