BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: Affirm Holdings, Inc
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX of 2023, I was informed that Affirm had closed my account due to the inability to verify my identity through their verification process. I requested that my account be recovered. However, I was informed that they would not be reopening my account and that I would not be responsible for any remaining balances. After this communication, I continued to receive emails stating that I needed to make a payment to my account or they would report me as delinquent to my credit bureau. Due to being told that my account was closed and held no responsibility, I called Affirm again. I was again reassured that they closed my account and that I would not be responsible. I was informed that there would be an expedited ticket, and I would hear from a representative soon. I later received an email that I had a message inside the secure messaging portal of my account. Due to the account being closed, I can not log in to view this message. So, I called the company again. I reported the same problem and requested to be contacted directly and not through the portal due to the fact that I could not access it. I was told that a note would be made, and someone would contact me via email. Again, I received an email stating there was a message in the portal. Around the same time, I was informed via XXXX that my account had been reported as delinquent due to a late payment. I called Affirm again. They stated that they were sorry about the credit report and that another ticket would be opened and expedited. However, the issue was not resolved. I tried disputing the issue with my credit bureau, XXXX, and provided the emails I received stating that the account was closed and that I would not be held responsible. However, after two disputes, I was told that Affirm stated that the information was true and a change would not be made to my credit report. I don't understand how the company can continue to claim that this information is true despite several communications stating otherwise. Today, XX/XX/2023, I called Affirm again and spoke with a manager, XXXX. He again stated that he was sorry for the inconvenience and would be opening another ticket making note to contact me directly and not through the portal. At the end of the call, he again confirmed that their development team sent me an email stating that the account was closed and I held no responsibility. I have a recording of this call and have attached it to this complaint. I don't understand why months have continued to go by, and they have continued to be allowed to report to my credit despite multiple communications stating that my account is closed and not delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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 writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-01-04
Company: Exeter Finance Corp.
State: AL
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 has not updated my report like Exeter requested them to last year. The company reached out to me and stated they have sent updated info to the credit bureau. My account was never late was paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX, XXXX  I have made a purchase with XXXX for a total of $ XXXX. 
The transaction moved from XXXX to Paypal to my credit card XXXX Canada. 
I canceled the purchase within 48 hours which meant I was meant to receive a 100 % of the money. I canceled directly with XXXX. 

I saw a charge reversal on my credit card except for an amount of $ XXXX so I discputed it with my credit card company. I received a refund and with that it should have been done. 

A few months later Paypal took money from my account for around {$600.00} CAD ( I no longer have access so I don't know the exact amount ), because they claimed that I received 2 refunds for that total amount. 

I continued by sending them proof of credit card details showing I never received more than a cancellation reversal. 

They haven't accepted it, and never showed me proof that they have sent money to my financial institute like they claimed. They not only took a paycheck from me, they also froze my account and sent the left over to collection which is hurting my credit score. 

I have sent them 2 proofs showing that I have never received more money. It has been almost a year and Paypal have never gave me support as a client, and have made it extremely difficult to escalate and find a solution. 

I would appreciate support on this. I know my accounts are Canadian, but Paypal is an American company, and I am not sure who else can help me with this. 

Thank you for any support you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom mortgage refinanced my mortgage in XX/XX/XXXX. I changed Insurance companies from XXXX to XXXX. XX/XX/XXXX I got a renewal policy from XXXX. Come to find out the agency, XXXX XXXX didn't cancel the policy. Freedom mortgage paid both insurance companies for 1 year monies that should go towards the principal. My mortgage payment after the lower interest rate in XX/XX/XXXX was {$900.00}. Most months that year I paid extra to go to principal. In 3 months XXXX to XX/XX/XXXX my payments changed. XXXX I paid my mortgage through an agent of Freedom mortgage {$910.00}. She told me the problem with the insurance has been resolved I could pay the minimum or the adjusted payment of {$1100.00}. In XXXX the payment went to {$910.00} which it has remained the same. In XX/XX/XXXX I talked to an agent at Freedom mortgage, the {$910.00} XXXX XXXX payment was not applied it was put in escrow. She didn't charge me a late fee and I paid all that corrected the account plus some, and was told All would be removed from my records I had not missed any payments under the circumstances. I call XXXX XXXX XXXX to get a cash out wrap loan that would lower my interest rate and I could build a home on my 4 acres. My daughter, her husband, and my grandson are buying my house through XXXX XXXX XXXX. As of XXXX XX/XX/XXXX XXXX XXXX at XXXX XXXX XXXX said Freedom mortgage have not removed their mistakes over XXXX cents. I could be finishing up the building on my new home before winter if Freedom mortgage would have done what they get paid to do. I have written my Senator XXXX XXXX and this is the second time I have written to CFPB. I may have not been clear in my first attempt to the CFPB but, you will find all of my accounts of this complaint to be correct. Please help me correct this issue. I told XXXX XXXX Freedom mortgage has no business providing loans to Veterans at all. In my many conversations with Freedom mortgage the supervisor had a bad attitude and felt Freedom mortgage could do no wrong. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee 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 2022-05-25
Company: Experian Information Solutions 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:
In accordance with Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 15 U.S.C. 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for and purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/23 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$510.00}

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 2021-10-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report shows a late payment made to Navient of 90 to 110 days, yet the months surrounded it shows on time payments made. XX/XX/2020 shows 90to 110days late, yet XX/XX/2020 is on time and so isXX/XX/2020. I was not late making payments for any of theses months and request that this error be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint last month. They removed the accounts, however the collection agency then changed names and re reported them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: Spring Oaks Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have any connection with the SPRINGOAKCAP company. I believe the original creditor sold my account without my permission. I only recognize XXXX XXXX as the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 Credit Bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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:
hello I XXXX XXXX is not a third party is depressed because XXXX and Experian did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and Experian my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and Experian because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my two kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them and they still have not deleted these items off my report hello help me XXXX is ignoring me and Experian its been 5 months nothing done still

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 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Bankruptcy was not filed. Have been trying to get removed off credit reports for several months. Talked to US Bankruptcy court and they mentioned to me that the courts do not verify anything with credit bureau 's. All three credit bureau 's are stating that they are verifying information with the courts which is not accurate. Docket numbers that are listed on credit reports are incorrect. They are falsely stating that they are getting information from the courts or a third party which is incorrect and is violating the fair credit report act.

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 2023-01-02
Company: Experian Information Solutions Inc.
State: PR
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:
XXXX XXXX XXXX Accounts 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 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

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 2023-06-05
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act 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 This account is showing inaccurately on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Resurgent Capital Services L.P.
State: AL
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau are reporting inaccurate information on LVNV FUNDING ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: HW Holding, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my disappointment and frustration with the recent handling of my account with XXXX XXXX, in XXXX Colorado. My final bill was due on XX/XX/2023. I had originally owed XXXX dollars and some change and it climbed to XXXX dollars and some change. I was still willing to pay that amount. I made several attempts to pay the bill through their website portal, but I was unable to find any option to make the payment while charges continued accruing. 

Despite my efforts to pay the bill, I was shocked to receive a notice from a collections agency on XX/XX/2023, stating that i now owed their company XXXX dollars. I was never given an opportunity to address the outstanding balance or dispute any charges. I never received email, mail, or phone communications in order to collect the final bill either. I was immediately sent to collections, which has caused undue stress and inconvenience. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a XXXX debit card through XXXX XXXX. Apparently the card is serviced by BNY Mellon Bank. While I was in XXXX, the card was used in XXXX MN to charge {$89.00} at XXXX XXXX  on XX/XX/XXXX. Just a few hours later, which was XX/XX/XXXX in XXXX, I used the card to withdraw {$350.00} at an ATM. It was impossible for me to be in both places making such a transaction. BNY Mellon denied the claim, saying it was a valid charge at XXXX XXXX. XXXX was no help, just referring me back to BNY Mellon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have all 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 states : A consumer reporting agency can not furnish an 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 items of information other, than records of conviction of crimes which antedates the report by more than XXXX years.

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