BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: AZ
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:
CEASE and DESIST On XX/XX/2021 XXXX XXXX XXXX the consumer informed XXXX, Equifax, and XXXX that i was a victim of identity theft and provided them with a copy of my FTC report. It has been almost a year later and XXXX, Equifax, and XXXX has failed to provide me any proof of their said investigation as to me granting permission ( i.e. my signature giving permission for said transactions/accounts ) for said companies to use my personal information on any accounts that they have falsely reported to my consumer report. This notice serves as their second notice to correct the issue because as of now they are in violation of my CONSUMER RIGHTS which states : 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. You have violated this consumer law of mines because you were notified of the theft and have been giving proof of my identity yet everything on my FTC report is not blocked and is still being reported on my consumer report. According to my CONSUMER RIGHTS, everything in my consumer report should be reporting to 100 % accuracy. It is not accurate if you are allowing identity theft to be reported on my consumer report which is another violation of : 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Paypal Holdings, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received 5 phone calls from an " unknown number '' first one I answered and hung up. They called right back and the lady said there was a complaint filed involving my car. I said I wasn't interested and hung up. She then called back again and i answered and I said I told her not to call back and she said she hoped it went to my voice mail. She started in saying I had to contact the lawfirm of XXXX XXXX XXXX and find out because she didn't have the information. She gave me a phone number XXXX and it rang and redirected. I left a message and called my insurance company who said they had no information on anything. I called the company back who stated that I owed Paypal {$1000.00} dollars and that I had to pay it or they would put a lien on my car. My car is financed so I called them and they said they couldn't. I got a phone call today from someone from XXXX XXXX XXXX  today who said they had papers to serve me today. They had a phone number to call at XXXX. I contacted my county clerk who said no judgement was out on me.  They continue to call and threaten me and their tone is harsh.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am making a complaint about the 3 Credit Bureaus XXXX, Transunion and XXXX are reporting incorrect addresses on my credit report. I have tried to fix this issue and it keeps coming back as VERIFIED. The address does NOT belong to me nor do I have any knowledge of this address. The address is XXXX XXXX XXXX XXXX Florida, XXXX Please DELETE this address because this is misleading and is going against my consumer rights. I have made an Identity report on several accounts and I believe this address is attached to fraud accounts.

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 2022-08-17
Company: TransferWise Ltd
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Had used wise.com to pay technician contractors. Wise.com closed account without warning and no explanation. Submitted request for explanation. None was given. Disrupted our relationship with our contractors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been dealing with XXXX XXXX for a few years on a debt that was not mine. I have mailed them certified letters, I have advised them to cease calling me, I have even tried to pay the debt to get it off of my credit report just to end the calls. I have also noted that they change the date of the debt to keep it current on your credit report to dodge the FDCPA protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2019, I sent {$20.00} and {$230.00} to a man supposedly named XXXX through the app XXXX with the intention of buying shoes. I realized that he was a scammer after and tried to get a refund. XXXX states that their app is unintended for marketplace transactions and I also know that my bank has the power to reverse a transaction. I went to my bank on XX/XX/XXXX to try to get a chargeback. They called a separate office but I havent received word of any updates and feel like I wont receive a chargeback because I havent been updated about this situation.

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 2023-01-26
Company: Curfin Holding Company, Inc
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have a loan on a used XXXX XXXX XXXX that was fraudulent loan to me on XXXX XXXX with plenty of violations the dates on the loan is not matching to the date I did the loan with them also my signature was forged on some of the paperwork ..! also they have violated my consumer rights under the federal law US CODE S1605c

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: TX
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:
EXPERIAN : The previous dispute was on XX/XX/XXXX todays date is XX/XX/XXXX and experian is still refusing to remove the accounts that I have reported to them as fraud due to identity theft i have provided them police reports and they told me that the police reports haft to have all of the fraudulant items listed in order for them to even investigate it. I have also previously filed a complaint on them through cfpd this is my last time before seeking legal action experian is in violation of my rights due to the negative items i am unable to get a job a place to live i cant get a car my previouse place of residence i was evicted because of my credit this is ruining me and affecting me mentally. The fraudulant accounts are. 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) In the description i have listed all of the fraudulant open /closed accounts and inquaries that are not mines they all need to 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 2021-04-12
Company: EQUIFAX, INC.
State: TN
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:
Account Name : XXXX  XXXX Account No. XXXX Balance : {$0.00} This is a formal complaint against Equifax, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

I have disputed this account for the fifth time and I still don't see this account being corrected or straightened out after my attempts to fix this inaccurate reporting. I have already paid for this account for the amount settled with the creditor yet, I still see the comments being inaccurate. One bureau is saying one thing and the other bureaus are saying different than the other. The account rating in Equifax is still saying " Derogatory ''. I just want this to be corrected and resolved and if they can't do that, they might as well remove this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: EQUIFAX, INC.
State: IL
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 am disputing the validity of the bankruptcy record your organization has included with my credit report. I have disputed in the past. Additionally, I am unable to properly dispute via your website. 
I request that you provide the method of verification bankruptcy record youve listed on my credit record, please include the following : ( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; ( e ) the documentation used to verify ; This is my right under the Fair Credit Reporting Act : FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, 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 I request that you comply with the law and furnish me with the information I've asked for within a period of 15 business days or deleted the bankruptcy from my record

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2021-06-03
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Amerisave has not abided by its terms to make good faith efforts to close on my refinancing application despite my having turned in every requested document. It has been almost a year since I gave them my {$500.00} deposit and then locked in rates at historic lows. Because of their malfeasance, they did not timely close as promised in XX/XX/2021 and as an excuse, said the appraisal expired. They claimed they had to do another full walkthrough appraisal, but this is false. They should have ordered a simple drive by appraisal to assure my house was still standing ( it is ) before the expiration date. But, because the record rates had risen significantly after my lock, they had a financial incentive to drag their feet and not close. They then demanded I pay almost {$19000.00} more in up front costs for the same mortgage terms. Yes you read that right they asked for {$19000.00} above the locked agreement. 

Because rates were rising fast and I didn't want to restart the process with another lender, I attempted to negotiate a " meet halfway deal '' and they gave some signs of cooperation and then hit me with new unnecessary requests for documents when I had already been approved by underwriting the first time around. I nevertheless gave them every document and proof of income they asked for but still no closing date. I have a XXXX credit score so they should want my business, but now it seems they would rather keep my {$500.00} deposit and hope I just go away, which is of course, fraud. They have stopped responding to my inquiries, hence this complaint. Below are the licensed Amerisave agents involved in this matter who need to be held responsible. 

XXXX XXXX Branch Manager NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX NV XXXX XXXX Desk XXXX XXXX Mortgage Sales Manager NMLS ID # XXXX XXXX XXXX Processor AmeriSave Mortgage Corporation NMLS ID # XXXX

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 2022-08-17
Company: Affirm Holdings, Inc
State: PA
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:
False advertising of services received. " Affirm '' ILLEGALLY reporting loans to credit bureaus. Per their own contract & FAQs... They wouldn't report the types of loans acquired. ( Pictures include details of loan dates, amount, stores ) they did not acquire my permission to report such information. 

Affirm clearly states TWO types of loans will not be reported ( before, during, after ) both types being zero percent interest. 1st type is 4 biweekly payment. 2nd type is 3 month no interest. ( My loans are all the 2nd type, 3 months with zero interest ) I tried multiple times for them to remove information from credit reports. Their response is " it is in the agreement signed '' they can/will report information. Even when bringing up facts from their own website ( they refuse to accept it as true and remove the information ) management stated they can do so if " other options were available '' ( no other other options were available. Loan type/length prohibited reporting ) also " I can not provide you with this information, I'm unable to do so '' I see it here on my screen along with your loan agreement ( refusing to provide both proofs. = If other options are available for " manager '' accessibility then that can be forwarded to consumer = broken record. I am unable do do so. No PDF, screenshots, other type of documentation... ) On credit report where reported it is physical harming credit score ( mainly, lowering " average credit age '' = being only neutral fact on my report = reported as 6.5 years vs 10 years as seen on there reports and models )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: IL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance : 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