BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$0.00} XXXX {$83.00} FIRST XXXX XXXX {$0.00} XXXX XXXX {$0.00} PORTFOLIO XXXX {$960.00} XXXX {$1300.00}

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 2020-10-19
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for loan for XXXX 60 months payment. And then, covid started I applied for payment deferrals for 3 months and i talked to 2 agents saying that theres no extra interest, and i would just pay my extra payments at the of the term. And then upon checking, i saw that they increased my term for 73 months and i called them regarding about it and they said that it accumulated onto my interest when i was in my deferred payment. So where did they get my extra 13 months to pay for them when i just been in deferred payment in 3 months. I was talking to their agent earlier and she keeps saying that because of my deferred payment it went up to like that!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX is restarting the reporting clock on an account in my name unlawfully. XXXX XXXX canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against XXXX XXXX and to show that they are inaccurately reporting information to the three credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that XXXX XXXX has verified this information. I have plenty of documentation showing that they are falsely reporting delinquency and charge off dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: TransferWise Ltd
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Transferwise.com deducted {$970.00} from my checking account on XXXX/XXXX/20 that I did not authorize. I have filed a claim with Bank XXXX XXXX but they can not provide documentation regarding how this transfer was done, who did it, where the money went, etc. I have also requested such information from XXXX and have yet to receive that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My name is wrong and on the credit report. I only have one name : XXXX XXXX XXXX XXXX There is another name on the report. I called Equifax on XXXX to fix the report and they said they only have XXXX XXXX. I don't know why I have XXXX XXXX XXXX on my report. If this is XXXX XXXX XXXX report than I shouldn't any thing under XXXX XXXX XXXX from equifax on my credit report. I demand that XXXX XXXX XXXX be the only name on my credit report. I've attached my ID and Passport to prove my name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
Hard Inquiry shown on my Equifax credit-report : " XXXX Inquiry from XXXX XXXX, 2017 '' reports " No contact information has been reported by this creditor ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I've previously submitted my complained against TSI collection services by their client XXXX, XXXX after My name was placed on the debt collection list without my authorization. The company denies that it is their claim via adverse action and in violation of 12 CFR 1002.9 regulation B. I would like remedy in this process

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Payward Ventures Inc. dba Kraken
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Please see attached document outlining the full details of the fraud incident.

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 2020-09-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My identity was stolen, and an account was opened with XXXX using my Social Security Number, my middle Initial and my Second Surname, I received a Notice dated XX/XX/XXXX from a collection agency claiming that I owe over {$2400.00} to XXXX. The Notice shows my first name, and my XXXX XXXX XXXX without showing my legal Last Name ), and without disclosing the creditor 's account number. 

EQUIFAX Credit Report dated XX/XX/XXXX, shows the XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX Credit Report dated XX/XX/XXXX was issued in two names : 1 ) my full legal name, and 2 ) my first name, my middle initial, and my Second Surname XXXX without showing my legal Last Name. ). IT SHOULD BE NOTED THAT MY SECOND SURNAME WAS REMOVED FROM MY FULL NAME OVER 51 YEARS AGO, ON XX/XX/XXXX BY THE XXXX XXXX COURT IN XXXX, NY. The Credit Report also shows that XXXX opened an account using the XXXX XXXX on XX/XX/XXXX ; the account was closed on XX/XX/XXXX and is in collection. 

As I am a XXXX citizen ( almost XXXX XXXX XXXX ) and seldom use credit, I tried to protect myself against this type of fraud by placing Security Freezes with EQUIFAX on XX/XX/XXXX and with XXXX on XX/XX/XXXX, which I never lifted. 

I am a victim of financial fraud. I have been financially harmed because my credit information was negligently released on XX/XX/XXXX to XXXX, WITH WHOM I DID NOT HAVE AN EXISTING ACCOUNT. This was done without my consent and without regard to the Security Freezes that I placed over XXXX  years ago on all my credit files. 

I have informed EQUIFAX, XXXX, and XXXX of the above and have filed an Identity Theft Report with the Federal Trade Commission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
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 very concerned regarding the serious possibility that you have not follow permissible purpose provision of the federal fcra. Hey credit account an inquiry was placed on my credit report. The ACT specifies that you must document the reason for requesting my report and when in error remove them as well. I'm depending upon portfolio recovery and XXXX XXXX to follow the statute : need to provide documentation that allow is followed by researching the matter at once or move this offending account and inquiry as soon as possible yours truly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: AmeriFirst Financial Corporation
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Initially, I was unable to continue paying my mortgage due to unemployment. Although my job was eliminated back in XXXX of XXXX, I was able to continue paying my mortgage until XX/XX/XXXX. My mortgage company granted me forbearance while I continued seeking employment. In XX/XX/XXXX, I did begin working again, but not making sufficient income to begin paying my mortgage and I sought further assistance from my mortgage company, staring in XXXX of XXXX. In XXXX of XXXX, my mortgage company informed me that my request for further assistance could not be granted due to the 'default status ' of my student loan ( federal student loan ). I did contact the student loan company and they informed me that my only option was to pay my student loan in full ( ~ {$180000.00} ) before the status of my student loan could be changed. 

At this time the mortgage company requires that I pay {$11000.00} up front before I can resume paying my mortgage. I recently was able to land a job paying significantly more and desire to start paying my mortgage again. I am requesting assistance with the mortgage company through CFPB, hoping that my mortgage company can be persuaded to allow me to start paying my mortgage without having to pay {$11000.00} first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i never did business with this company and furnishing false reports about me and they violated my right to privacy Your company shared statements as evidence and a copy of a consumer contract as evidence of the debt, but as per judgement with Pacific Concrete F.C.U vs. Kaunanoe, a copy of the consumer contract is not sufficient evidence of the debt. I demand you have original signed documentation of the alleged contract or signed credit card statements you also need, and competent fact witness to attest to the validity of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent out letters to credit bureaus regarding incorrect accounts I have in my credit report. And up until now, I can still those accounts in my credit report. Why must they take this long to handle this situation. Not knowing what is going on has become stressful and I urge you to find out what is going on. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2018-03-30
Company: WELLS FARGO & COMPANY
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I would Like to File a complaint On behave of Wells Fargo bank. I called the Bank to asked for a One time late payment fee forgivness. I was Told By the Rep That she couldn't do it since My Payment was due on the XX/XX/XXXX Of the Month and today is the XX/XX/XXXX. Poor Banking wells fargo I been a Customer at Your Bank for exactly 10 Years. If you are that Hard up for {$27.00} late Fee bless You and Your bank. From your past Experience of opening up Fradulent accounts in fake people Name Your bank is No Good! I will ask your business to Please remove the the late payment Fee as a 1 time courtesty and I will Give you 30 Days to DO IT if you fail to do so watch How QUICK I WILL CLOSE EVERY ACCOUNT IN MY NAME WITH YOUR COMPANY! I deal with alot of Banks and I have never in my life seen one quite as dirty as Yours to a customer of 10 years very sad 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 monetary relief
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2020-05-21
Company: Integrated Asset Recovery LLC
State: MA
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 have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, Im XXXXXXXX and Im submitting a complaint regarding fraudulent charges on my debit account with Bank of America. Approximately {$16000.00} was taken out of my account through multiple XXXX purchases that were not mine. The charges started on XX/XX/XXXX through XX/XX/XXXX and just to clarify, I did not lose my physical debit card. Bank of America failed to mark these as suspicious activities and did not send me any alert. I noticed because I typically audit my statement twice a month. I called BoA and they have closed my debit account. They are currently working with the merchant ( XXXX ) to investigate the issue. I have also filed a police report to XXXX XXXX. Please see the incident report attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Quicken XXXX AKA Rocket mortgage ... .first they offered forbearance plan and said I can just defer payments to the back of the loan but now that I'm ready to resume my payments they won't accept them. They are saying to pay XXXX in missed payments first or they start foreclosure. I keep telling them I want to start making payments but they are only threatening me with foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
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:
Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX XXXX XXXX has a third-party collection agency that failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX have purchased a debt already satisfied with the primary creditor. With the continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.

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 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Consumers ( XXXX XXXX and XXXX XXXX ) excised their right under the FDCPA secton 809 requested in writing a letter of Validation of debt to XXXX XXXX XXXX defined as a debt collector under the FDCPA and Person under FCRA. The first letter of validation of debt was sent XX/XX/XXXX to debt collector ( XXXX XXXX XXXX ) requesting the original signed contract the original signed security agreement and requested proof that Persons ( XXXX XXXX XXXX ) is in fact an license XXXX XXXX XXXX XXXX XXXX ( XXXX ) and has the legal right to collect debt. Months has went by and the Person ( XXXX XXXX XXXX ) has still not provided any documents requested in the letter of validation of debt therefore the debt is unverified. According to the FCRA section 609 the consumers XXXX XXXX and XXXX XXXX exercised their rights to request further information about the item on credit report ( which is defined as consumer report under the FCRA ). Further information request was for the original sources of the information reported including but not limited to the Original signed contract and the original signed service agreement. Transunion ( defined as consumer reporting agency under FCRA ) has not done a proper investigation behind the person ( XXXX XXXX XXXX ) claim nor provided the consumers ( XXXX XXXX and XXXX XXXX ) the required documents requested within their rights under the FCRA Section 609. The person ( XXXX XXXX XXXX ) continues to be non compliant to the FCRA by false publication of unverified debt the consumer reporting agency and has caused damage to both Consumers ( XXXX XXXX and XXXX XXXX ) consumer report ( Credit report ). XX/XX/XXXX The consumer ( XXXX XXXX ) spoke to XXXX XXXX an manger at persons ( XXXX XXXX XXXX ). When asked was there any Original signed contract or Original signed security agreement. XXXX XXXX stated that she does not have to provided the information and that she will continue to report the item until the alleged debt has been paid. XXXX XXXX employed at person ( XXXX XXXX XXXX ) has made a threat to continue to report unverifiable debt to the consumers ( XXXX XXXX and XXXX XXXX ) consumer report. The behavior and action of both consumer reporting agency ( Transunion ) and Person ( XXXX XXXX XXXX ) is a violation of the rights of the consumers protected under the FCRA section 609. The alleged item is to removed from both consumers ( XXXX XXXX and XXXX XXXX ) consumer report immediately. The following documents attached are correspondence sent to both consumer reporting agency ( Transunion ) and Person ( 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 2020-12-01
Company: Bread Financial Holdings, Inc.
State: AZ
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 had two large dispute one for {$600.00} and another for {$680.00} disputed because I had not authorized these transactions nor was I anywhere near the locations that the card was used I received a provisional credit but now they have reversed the money back and said these are accurate charges I have ask for any documentation proving that these are my charges and say it failed to provide me with any documentation but now my accounts it's extremely negative for I can not provide for my family because this amount has taken any funds that I had available. I asked to please extend out taking the money 1 week so that it does not take every cent I have since my money is direct deposited to this account. the declined to giving me any more time and any further documentation

Company response to consumer: Closed with explanation