BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: J J Marshall & Associates, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reserved a storage unit for my sister to move her stuff, my sister had the storage reservation placed in my name, and even though I contacted the storage center numerous times about canceling the contract and properly transferring it into her name cause she was not making payments they did not do so. After they sold the debt to JJ Marshall it appeared on my credit report and I disputing explain g the above that the account was never supposed to be in my name and that I had told the storage center this as well. I went as far as contacting JJ Marshall directly to speak with the agent assigned to the case. This agent admitted that they knew the owner of the account was disputed and that when they came into ownership of the account it was noted in the file that ownership was disputed. Despite this admission, the agent refused to remove it from my report. Further, every time I have properly disputed it with XXXX they have responded by saying they have verified the account as mine despite my objections to ownership and their owner 's knowledge of the contested ownership. They have sent 100s of spam emails and spam calls so often and frequently that I had to block several numbers from this agency as I was getting nearly 20-30 calls from them weekly ( including weekends ). 6 months ago I filed a dispute about this account and submitted proof as to their knowledge of the inaccuracy regarding the ownership of the account. In response to this JJ Marshall removed the item from my account, stopping the dispute, and added it back in XXXX. They are continuing to assert they have confirmed ownership and that is a blatant lie.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX & XXXX XXXX Balance : {$850.00}

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 2016-06-13
Company: Mobiloans, LLC
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
I borrowed {$800.00} from XXXX payday loan company Mobiloans. I have paid back {$1100.00} and they say I still owe another {$1100.00} in interest charges. I have defaulted on the loan and been in contact with a supervisor about making some kind of deal with them and he was suppose to call me back and I have called every day XXXX4 times a day and he will not get on phone nor call me back, His name is XXXX he goes by XXXX around the office. I can verify I have been calling him daily. They are threatening to ruin my credit. I have paid back all the principal plus some, so what there saying I owe is all interest! I have offered to pay some of the interest. But they will not return my call instead just random workers call me several times daily demanding payment in full. Please help!

Company response to consumer: Untimely response
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Good Morning, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because XXXX  XXXX was my original student loan, that was combined and transferred to another agency. All three credit bureau 's are reporting inconsistent credit limits, high credit, and dates of last payment. I believe the credit bureau failed to properly update and validate my debt after an investigation. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my 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
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: GA
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 did not authorize this company to run my credit after the loan was granted to me, I let the company know that they were violation my consumer rights and I was going to complain. They told me that they were going to take legal action they said they were going to sue me for the past due balance. I want this account closed and paid off, and I would like to be compensated for them running my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: HEARTLAND PAYMENT SYSTEMS INC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account information is completely different. One report is reading a different balance, creditor name, and a different address than the other. This information is inaccurate! And I need it removed from my account. Attached are pictures of both creditors thats charging me the same debt. One account is reading that the account is closed and the other states that it is open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: NY
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've already notified the appropriate creditors about these phony accounts, and I've sent along all the supporting paperwork needed to confirm the accounts ' late payments. Several credit reporting agencies have verified the instances of late payments and swiftly removed these accounts from my credit history. 

XXXX XXXX XXXX- This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service. 

XXXXXXXX XXXX XXXX XXXXXXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service. 

I am aware that you have 30 days after receiving a customer dispute to look into disputed information in accordance with the Fair Credit Reporting Act ( FCRA ). I implore you to act quickly to settle this matter and make the necessary updates to my credit record. 

In addition, after the required adjustments have been made, I would like a copy of the updated credit report as well as written confirmation of the removal.

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 2022-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
There is an unknown account on my credit report which is reflecting me as an authorized user. When contacting the bank, they are stating its not an existing account. Ultimately, I have been trying to be removed as authorizer user and they will not remove this from your credit profile.

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 2022-10-27
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:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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. The items listed below were not mine : XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX XXXXXXXX Balance : {$900.00} ; XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX XXXX Balance : {$47.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX : {$58.00} ; XXXX XXXXXXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-05
Company: TD BANK US HOLDING COMPANY
State: IA
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: Investigation took more than 30 days

Complaint:
Ive sent target numerous debt validation letters, asking for proof of debt. They responded one time and said they would send me the information, but never responded again. When Ive disputed the information on my XXXX report, they keep denying my dispute yet they havent followed law that says they have to provide me with that information and in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Chime Financial Inc
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Because I currently am unable to obtain an account with a bank, I had to settle for a prepaid card of which I've used for THOUSANDS of direct deposits considering that I am a XXXX in the XXXX XXXX and get paid well. 

SOMEHOW Chime is unable to verify me... I've followe there instructions did XXXX on multiple occasions LET ME COUNT THEH WAYS! and yet I have no access, they stated my e-mail was not the same. On one occassion I spoke to someone that was able to verify my identity using my name, address, social and card ( on hand and file ), so she changed both my phone number and e-mail, that was sometime early XX/XX/XXXX. 

Moving forward, to I want to say XX/XX/XXXX I am notified by the IRS that they had direct deposited a check that I was expecting to recieve in the mail but instead deposited into said Chime account. 

I have not been able to log in or gain access since, apparently my e-mail, once again does not match ... it was over {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
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: Information belongs to someone else

Complaint:
I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records, I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$950.00} XXXX In accordance with the Fair Credit Reporting Act, These Accounts have 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: TD BANK US HOLDING COMPANY
State: HI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off my Credit Card in full. Apparently, there has been a {$2.00} fee charged that I wasnt aware off and then received a late fee. Called TD bank and had all the charges taken off because I already paid my card in full. Next month, automatic {$1.00} fee and late fee. This happened 3 times ( so XXXX late fees and credit score way down ) until I was told that I need to pay that {$39.00} to really close my account and they will send me a check for {$39.00} to refund. Computer glitch. Still I have not received the check ( 2 months later ) and no one tried to fix the mess they made out of my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-12
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It 's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2020-02-04
Company: DISCOVER BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
Here are the facts Received {$17000.00} on XXXX XXXX, 2020 to Discover Bank Should have received XXXX USD Wire Info sent from XXXX XXXX XXXX 2020 XXXX XXXX Close XX/XX/2020 : XXXX CAD = XXXX USD Discover Bank disclosed NO FEES for an international wire transfer. As a consumer I called Discover Bank on XXXX XXXX so I could make an informed decision. I already had XXXX XXXX I could have sent the wire that confirmed with my family member NO FEES, NO SPREAD, NOTHING. My family member received the same wire transfer to XXXX XXXX with NO FEES whatsoever. 

XXXX XXXX Discover Bank Rep. very clearly told me Discover Bank charged no fees for receiving an international wire transfer. This same rep also informed me very clearly that the XXXX XXXX XXXX XXXX XXXX charged no fees ( being the 3rd party ). XXXX XXXX XXXX XXXX XXXX  XXXX would be doing the exchange to USD. The Discover Bank Rep very clearly told me there would be no spread and no fees. The Discover Bank Rep very clearly told me I would get the exchange rate at close of business the day the wire is sent. 

Discover Bank has participated in unfair and deceptive business practices by not disclosing the fees associated with an international wire transfer so myself ( the consumer ) could make an informed decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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:
XXXX  reporting XXXX  XXXX as potentially negative but nothing wrong XXXX XXXX ftc XXXX  XXXX ftc violations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Affirm Holdings, Inc
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX  I received an email from Affirm Holdings congratulating me for a {$110.00} buy now, pay later loan. I never initiated the loan or have ever contacted this company. Although I thought this might be spam or a phish, a review of the mail headers clearly indicated that the mail originated from valid Affirm mail servers. I immediately contacted Affirm via the phone number on their website and explained the situation. The representative assured me that no loan had been opened in my name and that the email was likely a phish. When I explained that the email headers pointed to their valid servers, he alluded to the fact that they may have had a data breach, so I let it go. 

Emails from Affirm regarding this loan continued for another week. I contacted Affirm again on XX/XX/2023 to ask why I was still receiving emails about this matter if an account had not been opened in my name. This time I was told that an account had been opened in my name using my email address and date of birth. When I asked what other information had been used to verify my identity, I was told they could not share this information with me. I asked to speak to a supervisor who said she would open a case related to identity theft, but that I would need to wait 3-5 business days for someone to reach out to me. I agreed to her request. I filed an identity theft report with the FTC and a police report with the XXXX Police for fraud and identity theft. 

I contacted Affirm a third time on XX/XX/2023 as no one had reached out to me after 21 days, much less 3-5 days. I was told by a representative that she could not provide any additional information, but that she would escalate the case, and that I would need to wait an additional 3-5 days. As of XX/XX/2023, no one from Affirm has contacted me regarding the fraudulent loan. 

A review of the CFPB complaint database shows numerous complaints regarding Affirm that followed an identical pattern to my own. The pattern is as follows : 1. Fraudulent account set up with Affirm using limited information to protect against identity theft.

2. Victim contacts Affirm and is told to wait 3-5 days for an internal investigation. Victim is not contacted.

3. Victim calls Affirm numerous times over the course of weeks, each time being told they need to wait 3-5 days for an internal investigation. Victim is never contacted.

4. Affirm writes off the loan and turns the victim over to debt collection.

5. Debt collection reports delinquent loan to credit bureaus and victim 's XXXX  score is affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The card was stolen around beginning of year 2020 and I was not aware of that the card was gone. then I came to notice that it was used by someone else without my knowledge. it happened for a quite sometime. then I came to know the situation. I closed the account immediately. Pls understand this unforeseen circumstances. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: W&A Intermediate Co., LLC
State: GA
Product: Credit reporting 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 am writing to inform you of your violation of the Fair Debt Collection Practices Act ( 15 USC 1692 ) and to demand the immediate cessation of all communication, collection activities, and reporting to credit reporting agencies concerning the alleged debt.

Under 15 USC 1692, you are required to adhere to specific rules and regulations when attempting to collect a debt. It has come to my attention that you have failed to comply with these regulations by engaging in [ describe the specific violations, such as harassment, misrepresentation, or unfair practices ].

Company response to consumer: Closed with explanation