BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-04
Company: Upstart Holdings, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I requested a loan for {$15000.00}. I was charged fees to obtain the loan which changed the principal amount to {$18000.00}. The loan terms are from the website login as of today XX/XX/XXXX : Loan Amount {$18000.00} Outstanding Principal {$16000.00} Unpaid Accrued Interest {$260.00} Loan XXXX Interest Rate25.58 % Origination DateXXXX XXXX, XXXX Repayment Summary On XXXX XXXX, XXXX, you got a {$18000.00} loan, see how far you've come! 
{$1600.00} paid toward principal Loading $ XXXXinfo As of today, on your Upstart loan you owe $ XXXXinfo I have made XXXX payments of {$540.00} but only {$1600.00} has been applied to the principal. It is illegal to charge origination fees etc and disguise it as principal amount when my bank was only credited with {$16000.00}. The loan terms are predatory and they refused a refinance of the loan. I am even paying interest on their fees for a 60 month term. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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 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 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 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 XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-10-27
Company: EQUIFAX, INC.
State: CA
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:
Unresolved Identity Theft Incident Resulting in Fraudulent Account and Credit Report Discrepancies I hope this message finds you well. I am writing to express my deep concern and frustration over fraudulent activity that has adversely impacted my credit report that reporting on Equifax only. 
A few months ago, I fell victim to an identity theft incident wherein my XXXX login credentials were stolen and subsequently disseminated on dark web markets. This breach led to unauthorized charges on all the cards linked to my XXXX XXXX, including a particularly significant fraudulent charge on my XXXX XXXX XXXX credit cards. 
The account details for the fraudulent charges are as follows : XXXX XXXX XXXXXXXX account, opened on XX/XX/, with a balance of {$7400.00}. 
XXXX XXXX XXXXXXXX account, opened on XX/XX/, with a balance of {$1000.00}. 

The total unauthorized charges on these accounts alone exceeded {$8000.00}. 
Upon discovering these fraudulent activities, I promptly filed reports with both the local police department and the Federal Trade Commission ( FTC ). Copies of these reports were forwarded to the major credit bureau, and Equifax as part of my dispute process. 
Despite my earnest efforts to resolve this issue and numerous disputes submitted, I regret to inform you that this credit bureau have yet to adequately address my concerns. Not only has their response time significantly exceeded the 30-day period stipulated by law, but I also believe that a thorough investigation into my case has not been carried out. Consequently, the fraudulent XXXX XXXX XXXXXXXX card is still unjustly affecting my credit report. 
Given the severity of this issue, I am now turning to the Consumer Financial Protection Bureau ( CFPB ) in the hope that you can facilitate a proper investigation into this matter. I am keen to get this fraudulent XXXX XXXX XXXXXXXX card removed from my credit report promptly to prevent further damage to my financial wellbeing. 
Thank you for your attention to this pressing issue. I am looking forward to your prompt response and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Auto Advantage Finance, LLC
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was trying hard to get a part time job and I got it. I started to work yesterday. I called them Auto Advantage was rude and unforgiving. I had a few debts to pay and want to work. I paid {$240.00} the first of this month. I knew they have a program to pay your payment in 2 pay period I called them yesterday and they told me what they wanted ona letter from the employer. It was done and emailed to them. Then this woman told me it wasnt good enough. She said I had to get permission to do that and I could not. I get paid twice a month and I was so happy I could pa this in my first pay Check. They said no and if I dont come up with XXXX XXXXXXXXsoon and quick. I will lose it I also could lose my job. 

Please help. I dont want to put my job in jeopardy please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Threaten I would be arrested and Law Enforcement would be at my door within the hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: EQUIFAX, INC.
State: AZ
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:
Negative reporting from XXXX XXXX We have account info data that the mobile phone was paid in full in XXXX and the insurance premium care of XXXX was canceled and we have documentation from XXXX to confirm. Unable to reach out to company or talk with anyone in the credit Dept but yet we can log into my account and it shows it's paid in full and cancelled. Please help we have perfect credit and this is incorrect and a big inconvenience Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: ACCELERATED COLLECTION SERVICE, INC
State: WA
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:
Received a forwarded letter from accelerated collection stating i owe them money plus interest for a debt. 
I do not recognize the accounts in question. I reached out to the company and had no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company Midland Credit Management has violated my federal consumer rights. I have a right to privacy and my information is not protected because this company has stolen it!! Pursuant to 15 USC 1681 ( 2 ) I never consented to none of this and the reportings to my credit reports which is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/XXXX : I was notified by my credit monitoring that Regionsbank had pulled a hard credit inquiry using my name and social security. I have NO relation with XXXX and have NOT applied fir credit. 

XX/XX/XXXX : I called Regionsbank. I was told that no charges had been made and that they would close the fraudulent account immediately. I was told to complete their Uniform Affidavit for Identity Theft and email to XXXX, which I did the same day. 

XX/XX/XXXX : I received a credit report update showing that Regionsbank had nonetheless opened a credit card account using my personal information. The account was still active with a balance of {$12000.00}. I immediately called Regionsbank again. I was told that they did receive my affidavit on XX/XX/XXXX and that they were investigating. 

XX/XX/XXXX : I filed a Identity Theft Report with the FTC, report # XXXX XX/XX/XXXX : I sent a follow up letter by certified mail to Regionsbank requesting written confirmation that I am not responsible for these fraudulent charges. 

XX/XX/XXXX : Regionsbank received the letter per the return receipt. 


To this date XX/XX/XXXX, I have received NO response whatsoever from Regionsbank. After I submitted a copy of the FTC report to the credit bureaus, they did remove this fraudulent account from my reports. However, they are still showing the hard credit pull by Regionsbank. 



.

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 2020-09-14
Company: Avadyne Health 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:
On XX/XX/2020 H & R Accounts Inc added a derogatory mark on my credit report per XXXX XXXX & XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA H & R Accounts Inc has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THERE ARE A NUMBER OF INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE OR SIGN FOR. I NEED THESE INQUIRES REMOVED IMMEDIATELY AS IT IS NEGATIVELY IMPACTING MY CREDIT SCORE. ALSO, WHY IS EXPERIAN BUSINESS RUNNING MY CREDIT? XXXX  AND EXPERIAN BOTH RAN MY CREDIT A LARGE NUMBER OF TIME???? XXXX XXXX XXXX XXXX XXXX XXXX non specific Inquiry date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date: XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date: XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date: XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry dateXXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX Credit Bureaus Inquiry date: XXXX XXXX XXXX EXPERIAN XXXX XXXX Credit Bureaus Inquiry date: XXXX XXXX XXXX EXPERIAN XXXX XXXX Credit Bureaus Inquiry date: XXXX XXXX XXXX EXPERIAN XXXX XXXX Credit Bureaus Inquiry date: XXXX XXXX XXXX EXPERIAN XXXX XXXX Credit Bureaus Inquiry date: 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 explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: GA
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:
This is my MULTIPLE request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$7100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$4200.00} ; XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. 
after number of request by me XXXX it the only bureaus that had not block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting 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 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent numerous written requests to TRANSUNION CREDIT REPORTING dating back to XX/XX/2020, XX/XX/2020, XX/XX/2020 notifying them that there were numerous hard inquiries on my TRANSUNION CREDIT REPORT and requested that they investigate and remove them immediately as they were NOT authorized by me. As of today XX/XX/2020 the unauthorized, fraudulent inquiries still remain without explanation or response from TRANSUNION. I have also written notices to the companies listed on my TRANSUNION report and the response has been to contact TRANSUNION. Therefore, pursuant to FCRA I am enabling my right to have these inquiries removed immediately and written statements stating the documents have been deleted permanently. I have also contacted TRANSUNION several times by phone and their customer service agents were unable to help me with this issue. Many of the same unauthorized inquiries have been investigated by the other Credit Reporting agencies XXXX  and XXXX ( attached to this complaint is validation from XXXX  that the inquiry was removed ) Also is included a letter from XXXX XXXX XXXX  also verifying my account was fraudulent and they contacted TRANSUNION to remove it. ) and determined to be unauthorized and correctly removed. Since TRANSUNION refuses to follow the statute set forth in the FCRA, and I have written to all companies involved as well as call numerous times without any resolution in over 60 days from the first contact I must request assistance from the CONSUMER FINANCE Department. The inquiries to be removed are : XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2020 Finance/Personal ( XXXX ) XXXX XXXX CR XXXX Inquiry : XXXX XXXX, 2020 Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX/XXXX  Inquiry : XXXX. XXXX, 2020 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020 Finance/Personal ( 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 2019-08-05
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:
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. XXXX XXXX and 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 explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: FL
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I can not access the information due to being locked out of the account by Wells Fargo

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 2020-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Bank of America is showing an account that is closed, open. It also is showing that in XX/XX/2020 that my account is late 30+ days but in XXXX and XXXX showing that it is current. I am requesting that all Bank of America accounts be removed from my credit report for the reason being that all inaccurate information is being reported and hurting my credit score drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My family purchased a car with me as a Co buyer without my knowledge. The company says they verified the information which is impossible. However, because my mother was on the loan and she is now XXXX I decided to help so this car could stop affecting my score. I settled the loan as less than the amount owed with XXXX XXXX ( the collection agency provided by XXXX XXXX ). I was never told that the collection company would take 30 days as well as the creditor ( XXXX XXXX ) would take an additional 30 days. I am in the process of purchasing a home and this account is significantly affecting my home buying process. XXXX XXXX sold the account to a collection agency, XXXX XXXX reported the account had late pays the entire time the account was in collections causing a double negative effect. I really would like someone to review this matter. I have yet to obtain paperwork from XXXX  XXXX stating the account was settled in full. I have reached out to the CEO, customer service, as well as many other representative at XXXX XXXX and XXXX XXXX. I received long, disconnected phone calls and no solution to any of my problems. My consumer rights were violated on numerous occasions and I would like XXXX XXXX to rectify the situation. 



Not admitting to the debt

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