BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
The case number of my complaint with Affirm.com is XXXX. 

On XX/XX/2023, Affirm.com asked me to paid {$510.00} as a downpayment to get a loan number XXXX for the total amount of {$1000.00}. The loan was finally cancelled because I never received the product ( airline tickects by XXXX ). 

From that moment I tried by many ways to receive the money for the downpayment back, according to the deal between Affirm and me, but I don't have my money yet neither a feedback about the status of my refund. I have been trying to get some help with my XXXXXXXX XXXX but Affirm lied to them and didn't pay attention to my Bank ' complaint. My bank putted hands away because I have to do this by myself. I used Affirm @ help and other email to claim my money but they never respond to me. Every time I call to Affirm call-center, the person who answer said that they don't have any money from me, there's not info on my record. I'm desperate because I need the money to pay my bills and I don't understand how Affirm is stealing my money with no consequences. 

I need to recover the amount of {$510.00} that Affirm took from my bank account electronically to complete a loan process that was cancelled. The transaction wasn't completed, so the loan was cancelled but Affirm has my money from the downpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX Balance XXXX {$4800.00} XXXX XXXX XXXX Balance XXXX {$7100.00} XXXX XXXX XXXX Balance XXXX {$3600.00} XXXX XXXX XXXX Balance XXXX {$7000.00} XXXX XXXX XXXX XXXX Balance : {$190.00}

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 2023-07-03
Company: EQUIFAX, INC.
State: CA
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: JPMORGAN CHASE & CO.
State: NY
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:
chase brach at XXXX XXXX XXXX XXXX XXXX XXXX refused to refund my locker fee as amount was charged without my authorization and despite my request to have it closed. I never authorized an auto charge, Chase has took the locker key from my position and closed the locker but never refunded the locker fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18
Company: Finance of America Holdings LLC
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
Finance of America loan # XXXX for XXXX XXXX My Father passed away on XX/XX/2021. We have been trying to contact these people for over 1 month, only to be put on hold. and no one answers. We have emailed them the death certificate, affidavidat of heirship. listing agreement, and Letter off intent, etc. per their certified letter stating we have 30 days from XX/XX/XXXX, ( XXXX XXXX ) to cure the default, or foreclosure. Their Phone number ( good luck ) is XXXX, and their fax number is XXXX. We just want to know if all the information is received, if they need more information, and when we could get any answers from them or HUD. The house is listed to be sold, but obviously we need more time to sell, collect funds, and pay them off. It should be noted that the letter was sent on XX/XX/XXXX and did not not even get received by us until several days later. Once again, If have tried to get someone to return my call at three different email addresses, and even XXXX XXXX, the original salesman, at XXXX. All have not called back! Please, please, get these people to respond Thank you, XXXX XXXX XXXX, email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I was appointed me XXXX and XXXX of my incapacitated cousin effective XX/XX/XXXX. She is the sole heir to her deceased sister who has a {$42000.00} loan with Truist secured by their home. I mailed and personally delivered the court documents to BB & T and Suntrust ( now consolidated and acting as Truist ), and also to Truist. Since XXXX, Truist has ignored the court documents and refused to acknowledge me as the guardian and conservator for my incapacitated cousin. I have continued to pay the monthly fixed mortgage payment and Truist accepted the payments until XX/XX/XXXX when they began returning the mailed payments to me and online payments to the bank. They are now claiming no payments has been made since XX/XX/XXXX and is auctioning the house on XX/XX/XXXX. In response to a letter dated XX/XX/XXXX to the deceased cousin stating To bring your loan to a current status please remit {$8000.00}, I mailed Truist a check for {$8000.00}, certified court documents showing the incapacitated sister as the sole heir of the deceased sister and appointing me as guardian and conservator of the incapacitated sister. I also included a copy of the XX/XX/XXXX letter from Truist. In response, in a letter dated XX/XX/XXXX, Truist returned the {$8000.00} check and stated This check is being returned due to no valid loan. The letter from Truist included the wrong loan number and property address. As I have done since XXXX, I sought an explanation for the check being returned, but Truist refuses to confer with me or my attorney. I believe this is a tactic to steal my cousins home, which is completely paid for, except for the {$42000.00} owed Truist. I timely paid the loan since becoming guardian/conservator for my cousin. I am and have always been willing and able to pay what is legally owed to bring loan to current status and stop the auction, but Truist refuses to allow me to do so and to discuss the loan with me

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 2023-02-01
Company: WELLS FARGO & COMPANY
State: CA
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:
Wells fargo fraudulently opened a savings and checking account in my name.

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 2021-05-18
Company: GATEWAY FIRST BANK
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is regarding XXXX, XXXX, XX/XX/2021. I have paid my mortgage payment every month in a timely manner. My monthly payment went up by {$60.00} due to increase in homeowners insurance. When I found out my homeowners insurance went up, I changed companies. I have a copy of all my payments made on time. They're actually paid automatically through a bi-weekly payment program that I have enrolled in to pay my mortgage off early. The mortgage company applied my payments to principal instead of my monthly note and reported me to the credit bureau for being 30 days late. If they had put my payment in unapplied funds like they've done previously, the next payment would have corrected the shortage within the 30 day grace period. My payments were made. If they had not applied the payment towards principal, I wouldn't be in this situation. All I'm asking the company to do is apply the payments made like I have requested, the problem of resolve itself. The supervisor that I spoke with confirmed herself that I have made my payments in a timely manner. The problem is they wanted me to make an additional payment, which I eventually did just until the problem could be fixed on their end. I'm including a copy of payments I've made on the account that are paid automatically through a bi weekly program

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Enhanced Recovery Company is trying to collect a debt on behalf of XXXX for the amount of {$1300.00}. It's reporting on all three of my credit reports as a collection account. Account # XXXX. They verified the account but has yet to send me proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent of such proof, they must correct any erroneous reports of this past debt as mine. They have threatening me over the phone using abusive language which is a violation of the FDCPA. 

I have writing Enhanced Recovery to request that they please provide the following information : 1. Please provide evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is their authorization of law for your collection of information? 
3. What is their authorization of law for your collection of this alleged debt? 
4. Please evidence their authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
They have yet provided this information which is in violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: SYNCHRONY FINANCIAL
State: NY
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:
Synchrony are currently reporting INCOME to the consumer reporting agencies ( XXXX Account XXXX XXXX ) on my consumer credit report. A 1099 C was issued, this account is INCOME and was filed on my taxes as INCOME. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- By reporting income to the consumer reporting agencies SYNCHRONY violates the LAW 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) Respect for the consumer 's right to privacy.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- In addition to violating the above LAW SYCHRONY also violated 623. Responsibility of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in, 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 2021-06-02
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). As much as possible I would like to avoid having issues like this, so I want them to take care of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 file a dispute in XXXX, XXXX XXXX, XXXX XXXX and XX/XX/XXXX asking for method of verification for a bankruptcy being reported on my credit report by " XXXX credit bureau '' only to be ignored and repeatedly lied too.Stating the us bankruptcy courts are XXXX XXXX provide this information. I have documents stating otherwise.from both the bankruptcy courts and XXXX XXXX stating they did not give out such information!! please investigate Sincerely 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 explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: NV
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 checked my credit report and there are accounts on my file that do not belong to me. Equifax was involved in a data breach in which i was a victim of. I am filing a complaint due to that breach and would like the accounts listed below deleted immediately. 

INVALID EQUIFAX ACCOUNTS XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$250.00} XXXX XXXX  {$150.00} XXXX XXXX {$240.00} UNAUTHORIZED EQUIFAX Inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant XXXX and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely 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 non-monetary relief
Consumer complaint received 2023-06-10
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Good afternoon, Was a XXXX customer. 

Citi staff stated I would receive rebates ( basically reimbursements ) for membership fees to XXXX XXXX XXXX plus other benefits. 

When we tried to submit for the reimbursements ; the system would not allow submission. 
Our XXXX advisor was on vacation. 
When she got back- basically stated she didnt have the ability to give us the 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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my another endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00}

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 2023-09-11
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
During a routine check of my credit reports in XXXX, XXXX, I discovered a collection account posted that I had no knowledge of, nor contact regarding. I called Consumer Adjustment Company, spoke to XXXX XXXX, who informed me it is an account from XXXX belonging to XXXX XXXX XXXX for {$350.00}. I asked for any information to verify or validate the debt, and questioned that I had never been notified through mail, e-mail, phone, nor any other means. My understanding is that they are required to notify me within a reasonable time to allow me to dispute prior to posting the collection to my credit reports. They have sent me nothing, nor have they contacted me, nor have they removed the item from my credit reports. Upon my investigation, I discovered that this was a part of an XXXX data breach that victimized auto-pay customers and their personal and bank data. XXXX XXXX XXXX  was one account involved, was remedied, settled, and closed. Why a collection agency would attempt to revive an account that is time-barred by the statute of limitations, let alone that it was closed years ago in remedy of the data breach. Also, that the collection company would not attempt to contact me prior to placing the account on my credit report violates my rights under FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I received my reinvestigation back from XXXX, XXXX and Equifax .They said everything is 100 % Complete and Accurate. I would like to receive the Description Of Reinvestigation Procedure According to FCRA 15 USC 1681i ( 7 ). 

Because the list of account below are NOT ACCURATE. The Open date, date last active, account type, date last payment, past due, Last Reported and Payment History is NOT 100 % accurate. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX NUMBER : XXXX They did not modify or delete the inaccurate Information on my consumer report according to the FCRA 15 USC 1681i ( 5 ) ( A ) ( i ) I attached a copy of my Consumer report maked with all of the INACCURATE 'S as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: MS SERVICES LLC
State: CA
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:
The monthly payment, terms, credit limit, past due, and date of last payment are missing in this account.

Company response to consumer: Closed with explanation