BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-18
Company: Affirm Holdings, Inc
State: WV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I went online XXXX to search for a XXXX XXXX XXXXXXXX XXXX. I found a pendant on XXXX XXXX XXXX. It was advertised as high quality with a price of {$13000.00}, on sale for {$12000.00} with a 75 % rebate for a total of {$3100.00} No Tax. Attached is a screen shot of what I saw. Plainly on the top it says 30 Day Return. Upon checkout I noticed an option to pay overtime through Affirm. It asked for my phone number and email address only. it approved me for the amount to purchase the pendant over 12 months with interest. The next day I get an approval email, but it has my wife 's name on it, XXXX. My wife doesn't even know about this purchase. 

I emailed the company on XXXX asking if I was going to receive this before XXXX and never received a reply inside 24 hours. I emailed them again asking the same question. I got a reply explaining I purchased the poorest quality diamond made. So, I immediately called XXXX XXXX XXXX. He suggested I go to a smaller diamond for better clarity. The bigger diamond would show too many imperfections and be very dull. I told him to just cancel the order. He told me there would be a XXXX $ % restock fee?!!! That would be {$1000.00}. It hasn't even been shipped. He didn't offer any other solutions to try to fix the issue. 

I contacted Affirm. At first they didn't want to talk to me because the account is in my wife 's name. She doesn't even know about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i received a letter from a debt collection company ( XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX ) claiming i owe {$5600.00} from an unpaid XXXX Credit Card, The bank who filed the claim is Jefferson Capital Systems LLC and the original creditor is XXXX XXXX. I called XXXX and they confirmed my social security number, name and address are correct ; however the email address on file was not. XXXX rep said the account was related to charges from 2017. I have never opened a XXXX credit card so I know this is not my debt. I asked them to please report the account as fraud. The XXXX rep told me she would be mail me a form to complete and mail back to them. I thought I would file an official complain with your office. Please let me know what else I need to do to protect my credit card from this fraudelent debt. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: TX
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 FCR act ... .the following companies has violated my rights as listed below. 

XXXX XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX In ( Acct # XXXX ) The XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX XXXX ( Acct # XXXX ) 15 USC 1681 sec. 602 A states I have the right to privacy. In addition, 15 USC 1681 sec. 604 A sec 2 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 explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, 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:
I sent a letter on XX/XX/XXXX, to remove that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX  .... Balance : - ; XXXX XXXX .... Balance : - XXXX XXXX XXXX XXXX .... Balance : {$9000.00} ; XXXX  XXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX .... Balance : {$520.00} ; XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX .... 
Balance : {$0.00} ; XXXX XXXXXXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXXXXXX .... Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX. 
Balance : {$980.00} ; XXXX XXXX XXXX XXXX .... Balance : {$530.00} ; XXXX XXXX XXXX XXXX .... Balance : {$180.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XXXX XXXX Date of request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX ; XXXX XXXX  Date of request XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this 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 2023-06-26
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-26
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to modify the loan on this property since XXXX. I was at first given a forbearance, made my three payments, then it was dropped in a confused and confusing manner and I turned to applying for a modification. The process was awful, I spent enormous amounts of time faxing documents that were lost, etc. and put on a dual track so that the trustee sale date eventually came before any modification was granted. 
Then when the bank foreclosed on the property, it wrongfully foreclosed on the adjoining lot which does not belong to the bank. I called both XXXX and XXXX, they paid no attention. I started a lawsuit, and after many months, the bank settled for attorney fees and recognized they were in error. 
I started applying for a modification again, but again things were delayed, I was told I had not submitted documents on time when I had and was able to prove it, etc. Again the trustee sale date came before a modification on XXXX XXXX. And again the bank wrongfully foreclosed on the adjoining log, using the exact same documents as before, disregarding the few guidelines agreed upon in the settlement. 
So, being an optimist, I tried for a modification again. I had a very difficult time with the agent who was assigned to me, who never responded, and dismissed me without really digging into my file whenever she was available. To make a long story short, I was slated for a trustee sale five times in five years, and each time the foreclosure included the nearby lot which was separate from the property. XXXX even rescinded the settlement agreed upon at the end of the lawsuit, without ever consulting with me. 
On XXXX XXXX, XXXX, XXXX transferred my loan to a new servicer, NationStar Mortgage, without ever addressing the wrongful foreclosures described above. Oblivious to this ancient history ( for them ), the new company is simply starting the modification process all over again, despite my complaint that due to the enormous delays caused by XXXX from XXXX on, the escrow on the loan has become so large that numbers no longer add up. This process must be stopped until the illegal actions of XXXX have been addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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:
This Company has been notified with numerous letters and has failed to validate the debt related to identity theft. My accounts have not been investigated thoroughly, I have not received the requested documentation that shows any contracts, and validation.

Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft 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 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.

This has damaged my reputation and the company has failed to respond to my dispute letter that included an identity theft affidavit along with the requested identity proof documents. 

SEE CERTIFIED MAIL TRACKING NUMBER XXXX SENT TO XXXX XXXX XXXX SENT TO XXXX VIA USPS CERITIFED MAIL XXXX SENT TO EXPERIAN VIA USPS CERTIFIED MAIL XXXX SENT TO XXXX VIA USPS CERTIFIED MAIL 15 U.S. Code sS 1681n- Civil liability for willful noncompliance ( a ) In General Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) Such amount of punitive damages as the court may allow ; and ( 3 ) In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts in the attached dispute/identity theft letter be DELETED immediately within 4 days of being notified of the identity theft.

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 2023-11-10
Company: EQUIFAX, INC.
State: CA
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 do not consent to electronic communications. I request all responses be in writing through the USPS I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Received a notice from Experian stalling my dispute process knowing I sent all the forms of identification verifying my address/ identity. They need to stop stalling and fix my issues on my consumer report.

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 2023-06-26
Company: EQUIFAX, 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:
XXXX XXXX XXXX  has falsely reported information to the credit bureaus about an account that does not belong to me. Ive already contacted them with all necessary documents to remove this account off my reports with Equifax, XXXX, and XXXX XXXX, as I am not responsible of no part of any debt with this creditor please remove off my report effective immediately as Im a victim of identity theft. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim. Please take immediate action to rectify this situation and ensure that the account is promptly removed from my credit report.

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 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
After reviewing my credit report, I have identified inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and it is significantly impacting my life. I kindly request your assistance in resolving this matter.

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 2023-08-21
Company: MOHELA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
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 dispute the late payments that are appearing on my credit reports for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX associated with my Mohela Dept of Ed  Acct # XXXX. I firmly believe that these late payments are inaccurate and unjustified. 

It is inaccurate to report 90 days late in XX/XX/XXXX when there in on time payment reported the previous month in XX/XX/XXXX. There are only 30 days in between XX/XX/XXXX and XX/XX/XXXX so it's impossible, inaccurate reporting, and a violation of the FCRA to report 90 days late after an on-time payment the previous month. Therefore, the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX late payments are reporting inaccurately and in violation of the FCRA as well. 

Also, these late payments are in violation of15 USC 1681eb which clearly states, " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
****My name is XXXX XXXX XXXX XXXX. I have been trying to report about incorrect information in my credit report over past year but it has no success. According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are  not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification ****I notice that some of the name, addresses, all employment information and hard inquiries, are inaccurate. In addition to it, there are several derogatory account that have no relationship with me or any of our business. These incorrect information demand to be removed off my credit account according to these reporting laws that are listed above. 
Here are the name, addresses, employment information, hard inquiries and debt collection that need to be cleared off my credit report. 
******************************************* **NAME REPORTED XXXX XXXX XXXX XXXX ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ **EMPLOYMENT INFO _XXXX _XXXX XXXX XXXX   ******************************************** **ADDRESSES REPORTED XXXX XXXX XXXX XXXX _XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX ** HARD INQUIRIES XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX XXXX CO Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX   XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Bank  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX Utilities and Fuel ( XXXX ) XXXX **COLLECTION OF DEBT XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$0.00} Closed

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 2021-07-23
Company: WESTERN UNION COMPANY, THE
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Tried to send money through Western Union from the United States to XXXX. My bank declined the first time and I called them to let them know I authorize the transaction. Resent the money and Western Union put it on hold. When the person I sent it to went to pick it up there was hold. I called Western Union and they would no send my money without asking very personal questions. They asked my relation, what i was sending the money for, were the funds bein used to handle a transaction for me ... ..I asked them to cancel the money transfer that I will send it through XXXX who I've never had any problems with before. This is my hard earned money and who and for what reason I send it is my business and this was invasion of privacy. Find other ways to verify that it's me and I'm sending money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
UNITED REVENUE CORP placed a collection debt on my credit report that do not belong to me the original creditor is XXXX XXXX XXXX. I have tried to explain to United Revenue Corp that I do not owe a debt to any medical facility. I advised that I have been a victim of identity theft. Also advised the collection company me and my daughter name are similar and we have the same birthdate and there are sometimes a miss up in our information but the collection company refuse to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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