BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-15
Company: Chrysalis Holdings LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Denial of mortgage Re-Fi opportunity due to false information. Deceptive information and claims regarding denial. Loan officer ( XXXX ) stated loan denied based on derogatory information reported from XXXX XXXX on or about the XX/XX/2021 which is protected by the Cares Act. Loan with XXXX XXXX was amended to reflect a new maturity date. Loan was never delinquent or pass due at anytime. Spoke to XXXX XXXX to ensure that it was not reporting negative on my wife and I credit report. I also pulled our credit reports to verify. XXXX stated he called to advise, never happened. Stated denial letter was mailed around that time, never received. We then sent emails for clarification regarding the specifics of the denial that was never answered on or about the XX/XX/2021. Left several messages to return calls to no avail. Spoke to XXXX, stated would look into the matter and return call, never did. Spoke to XXXX on or about the XX/XX/2021, stated would have XXXX manager call me back. Again no call. Received denial letter dated XX/XX/2021 with bogus information on the reason for denial. Was not the supposed originally dated denial letter. Pulled credit reports to reflect the correct information. Never received originally dated denial letter. Need answers to why I could not speak to the department that provided the erroneous information, why I was not contacted regarding denial until the day before settlement ( XX/XX/2021 ), why veterans are treated by this organization with this level of deception, why I continue to receive solicitations from this company even after denial, why are they allowed to send incorrect credit reported information, why I received a denial letter dated the XX/XX/2021 when I requested the original letter sent via email, what corrective measures they have in place to correct this disservice to veterans, what are they going to do as an organization supposedly supporting veterans to correct this wrong, why have, after requesting the direct mailing address for the Board of Directors not provided? Request made via website. What are they going to do to provide re-fi services to my family and I. On or about the XX/XX/2021, I contact the XXXX who as of XX/XX/21 have not yet received a response back from them. Did receive a call from XXXX who stated was XXXX manager, he could only apologize for no one getting back to us. All other concerns still remain. The company in questions is New Day Financial Services.

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 2023-12-11
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
This complaint is about Barclays Bank I got my statement from this bank and on my statement they did not put down my purchases. They just gave me a statement just with a total. I told them that they were supposed to put down the purchases to let me see my purchase it, and how much they was they refused to do that. I have other credit cards and all of my statements come to me with the purchases and then tell me how much I need to pay. This bank is not putting down. No purchases just give me a total and I feel this is not right, and I wont statements with purchases on it so I know how much I paid for the merchandise because they could overcharge me without me knowing thank you very much

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 2019-08-05
Company: MONEY SOURCE, INC., THE
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was originated and serviced by TMS in XXXX of 2019 and then sold to XXXX XXXX in XXXX of 2019. I have made a payment to XXXX XXXX on XX/XX/2019 for XXXX using my bill pay from checking account and the payment was received and reflected on the account/statement. On XX/XX/2019 my loan was transferred back from XXXX XXXX to The Money Source according to an official letter that I received from XXXX. I have made a bill pay from my checking account to XXXX on XX/XX/2019 but the payment was rejected due to the transferring process, so I have made a payment to The Money Source on XX/XX/2019 after the transfer was supposed to be completed. When I called TMS to confirm the payment was received they claimed my loan was never received from XXXX and told me to make a payment to them, I had to email them letter from XXXX to onboard my own loan. Once they onboarded my loan they stated they dont have my XXXX or XXXX payment, I had sent TMS multiple documents showing that payment for XXXX was made to XXXX and that I have sent payment to TMS on XX/XX/2019 using bill pay. After 2 weeks they finally found the payment that I made on XX/XX/2019, but applied it to XXXX. I have been waiting for them to research for more than 2 weeks that I have made my payment to XXXX for XXXX. In the meantime they sent me a delinquency letter and put a mortgage late on my credit report. Both of which are erroneous. I have spoken to XXXX XXXX, XXXX, and XXXX from servicing of TMS and they are saying that the issue is being research. While they are researching the issue they are issuing false mortgage lates to credit report and delinquency letters. There is a 60-day waiting period to issue any sort of delinquency after a transfer of the loan has occurred and TMS has grossly violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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 disputed alleged debt on XX/XX/XXXX Certified Mail Receipt- XXXX XXXX XXXX XXXX XXXX XXXX and it was delivered to Portfolio Recovery Assiciates, LLC on XX/XX/XXXX. I attached such exhibit below. 

Portfolio Recovery Account # XXXX I requested specific information according to 12CFR 1006.34c and I have attached the document below to show specifically what I requested and their response to my previous claim did not legally comply and this account needs to be deleted from my consumer report. 

Portfolio Recovery Associates , LLC has only provided me with statements and transactions from XXXX XXXX which is not what I requested in regards to Complaint ID : XXXX nor in my letter. They did not address the fact that my private information has been shared with out my consent and violated the FDCPA 12 CFR 1006.30A. 

According to XXXX XXXX XXXX. XXXX transactions and experiences are not reported on the consumer report. This is a violation of my rights, reputation, and my mode of living. 

15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 


( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The notice is to inform that Portfolio Recovery Associates LLC have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/XXXX, You Portfolio Recovery Associates , LLC have violated the FDCPA 12 CFR 1006.30A and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this inaccurate alleged Debt immediately. I refuse to pay this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, 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:
On XXXX XXXX I sent a letter to all 3 credit bureaus in regards to collections that are reporting fraudulently. The collections were removed from XXXX but still are showing up on Equifax and XXXX. I am a victim of identity fraud and I have sent My FTC and all other proper documentation that verifies that as well. You will see all documents attached that supports my complaint. I also sent a letter in regards to late payments that are reporting on a XXXX XXXX open account and a XXXX XXXX  account that is currently closed both were reported late due to hardships during the XXXX COVID-19 PANDEMIC. I AM REQUESTING BOTH LATE PAYMENTS REMOVED AS A ONE TIME COURTESY BECAUSE IF YOU TAKE A LOOK AT MY ACCOUNTS I AM NEVER LATE. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Affirm Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account is frozen with Affirm. Today i received emails stating my account isn't frozen and they lifted the freeze. then I received another email that it's frozen again. I asked the rep if there is a balance on the account, he claims he cant give me any information. claims he is escalating it to a higher authority. 

This escalation has been going on for the last 2 months. 
I believe they have fraudulent activity on my account. 
{$10000.00} of fraudulent and unauthorized activity. Plus they have charged me 3 payments of {$86.00} to the XXXX XXXX cruise line. 

I called XXXXXXXX  they have no such record of this. 

I do not owe them anything..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ATTN Fraud Department : Remove fraudulent accounts 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
Consumer complaint received 2022-06-16
Company: Early Warning Services, LLC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Made a agreement for a bag listed on XXXX with XXXX XXXX ( XXXX  username- XXXX XXXX. She posted a bag and I made her an offer. She messaged me in a comment saying she would accept my offer if I did it off PM and send her money via Zelle. I said I would pay half ( {$400.00} ) and the other half ( {$400.00} ) when she sent a video fo her shipping and the XXXX tracking. I just got the box today and it is a weighted ball. No bag! The XXXX  label says name XXXX XXXX ( XXXX ) XXXX ( which is the number we later texted on ) and the address XXXX XXXX XXXX XXXX In, XXXX ( not sure if this is her real address ). No recourse from Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: FL
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, My name is XXXX XXXX XXXX. I am a consumer who currently resides at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, in XXXX XXXX . I am writing this because I, XXXX XXXX XXXX, Consumer did not give NCB Management Services Inc. written instructions or consent to communicate with I, XXXX XXXX XXXX, Consumer, or any other person regarding an alleged, " Debt ''. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281, SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

This information is true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Someone is also using my information to open bank accounts credit cards ect and pre-qualified WILL NOT STOP I have opted out so many times I even had apartments looked at under my information and I'm not doing it I found numbers and addresses I didn't have or live at credit that was removed put back and nothing has stopped its still happening with reports and XXXX I'm getting mad and I can't even get replaced ss card cuz of this mess and when enter information for free reports it gets hung up on me after iv entered it and more false credit XXXX being reported still and blocking me from even getting snow tires this has to stop there is also 5 miss spelled forms of my name on it

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
OnXX/XX/2023 I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-08-10
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/XXXX at XXXX my chime accounts was hacked and XXXX was taken out. I have disputed 3 times and chime refuses to credit my money to my account. I need to escalate this because this is highway robbery. These were fraudulent transactions. I submitted documentation of my transactions and they have not resolved my issue. I call everyday and nonone is doing their XXXX right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: TRUSTMARK CORPORATION
State: TN
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:
After reviewing all credit reports ; A closed checking account with TrustMark Bank with a charge off balance of {$1200.00} on XX/XX/17 appeared. THE ADDRESS ASSOCIATED WITH THE ACCOUNT REPORTED IS INCORRECT. The local branch in my area was made aware of these XXXXalse/ Fraud charges when I was initially made aware of this. Explained to a teller that I didn't have that type of money in my account at the time for that to be possible. I also did NOT give permission for any merchant to charge that account for {$1200.00}. The Teller stated there was nothing she could do and the fraud charge or balance of {$1200.00} was my fault. I did state I wanted the account closed and the balance removed due to Fraud ; an investigation was supposed to take place but its still on my report and preventing me from opening an account with my employers credit union.

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 2023-08-10
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I'm currently banking with Chime. I had some payments to take care of and transfer funds from one account to another. One of the transfer did not showed. I contacted a phone number that allegedly was chime 's customer services. I was a fraudulent/scam number. They took all of my funds and personal information. I shortly contacted the bank. They told me they had to open two disputes and that it would take XXXX business ' days and they have up to XXXX  days to investigate. One of my disputes was close the following day which they did not respect the time frame to investigate. I have resubmitted the dispute and made the appropriate changes. It is very frustrating and the first two agents that assist me were not very helpful. Please advised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I noticed inaccurate and unverifiable accounts on my credit report. Dispute letters were sent to TransUnion, XXXX and XXXX for verification. Unfortunately, the unverified accounts are still reporting on my account. I feel like my rights are being violated at this point. Please Delete 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 non-monetary relief
Consumer complaint received 2022-06-16
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They constantly hounding me over debt of ( {$900.00} ) thats not mine. They will not leave me alone and deleted debt I Told them they are in violation of 15 USC 1681i. They said they didnt care they was hired to do so

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation