BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/22 someone got into my " Experian '' account and changed my login information and password. I attempted to gain access to my account XX/XX/22, but am unable to correct the issue. I called Experian to report the issue and the fraudulent access to my report. They said that I need to fax information over to verify my identity in order to regain access. Experian 's system allows someone to gain access to an account set up with Experian if that person 's identity was previously stolen. The information required to change log in information was already stolen by an Experian breach.

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 2017-12-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I are having trouble understanding why did our mortgage company decided to extend our terms of our loan without our authorization. We did not know this until we realized that our payoff amount was too much! Wells Fargo Home Mortgage used a routine but, little notice form to sneak through mortgage modifications on unsuspecting homeowners. Our original loan was XXXX dollars and now its XXXX dollars plus escrow is XXXX as well as almost another XXXX to pay off our loan. That 's double the amount of the original loan. They modified the loan years ago and they did it to benefit from adding more years to the payoff time to get extra interest income generated by longer home loans. They asked us to pay three payments for a permanent loan modification, but that did n't happen.They foreclosed on our home and had a sale date. We had to file a chapter XXXX to save the home because our lender would not give us any options because they, said we owed too much on the loan. They are the reason why we owe this much! the HAMP program is being used by this company and others to collect cash from the government and to eventually foreclose on peoples houses, and make it harder to recover. I need them to explain the hidden fees, and I believe that they have set us up to fail, and that we are worse off than before. I want them to try to find a workout plan for us, who have fallen onto hardships and had a XXXX in the family, as well as loss of income do to XXXX. They are not helping people, but making money from the hardships of homeowners. They make {$1500.00} per modified mortgages that eventually ends up in bankruptcy. We are in bankruptcy now, but the payoff is not correct. They are not using the HAMP money in the right way.. Wells Fargo Home Mortgage is ripping home owners off, and the people who regulate them are not doing a good job of protecting the homeowners. We bailed the big banks out, but who is bailing us out! They are getting rich off the backs of poor and middle class people. Why do we have to fill out stacks of paper exposing our privacy, but the banks hold back everything that they do n't want the public to know. If we just ask the government to help us to help ourselves, its a handout! That was our tax dollars that we work for. When will we get our American dream? Suing these companies is n't enough, because the lawyers are going to get all of the money. We need to stop giving them money to do their jobs. They should not be paid to do the right thing. Why is the government paying them to help struggling homeowners to keep their homes.If we stay on this path, the country will stop believing in the American dream.Banks used to be the very thing that we could count on, and now they are the only ones getting bail out! Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: Affirm 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:
After logging into my XXXX account I noticed an unautorized charge from Affirm Inc. on my account showing an unpaid balance of {$1500.00} with a past due amount of {$280.00}.

The Affirm Inc. account number, according to the XXXX website is XXXX which, according to their website, was opened XX/XX/2022. I called Affirm Inc. and they have no record of me, my phone number, or the loan number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. I have sent them several letters concerning this matter and to no avail they have yet to respond I have also uploaded the documents that I have sent to them and still nothing. I have sent an updated dispute on XX/XX/2022 which they have responded to that they have gotten. 

1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

These accounts that were furnished have violated my consumer rights and I want them to delete from my account.

15 U.S.C 168c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) 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.

Delete these accounts immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: ALLIANT CREDIT UNION
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: Reporting company used your report improperly

Complaint:
This company denied me a right to get a auto loan due to the improper and inaccurate information reporting on my consumer report. This company took adverse action against me denying me a right. How can you deny a consumer something when I am the one extending my credit to them, This is a violation of the Gramm Leach Bliley Act, because they are invading my privacy. 15 USC 6802 and 15 USC 1611 false and inaccurate information willingly and knowingly. 

The information provided on my consumer report is damaging my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
This account is older than 7 years, I have tried getting it off my credit report and no one will help. I am trying to clean up my credit reports and need help, I am trying to purchase a home for myself and XXXX young children. I need these accounts that are older than 7 years off my credit reports please. 

XXXX  credit card is closed and is XXXX XXXX XXXX, I need it deleted off 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 explanation
Consumer complaint received 2016-06-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I disputed information on my credit report. The results were favorable to me and were deleted from my XXXX report. Portfolio recovery associates have refused to delete the information from the remaining CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Portfolio Recovery, Colorado? Collection Agency, asked them to send me snail mail about account. XXXX XXXX persists in calling and not leaving messages. I told him I was hard of hearing and could n't talk but should have gotten his address and contact info, but hung up on him. Persists in not telling me what account he is trying to collect both on phone and in mail. The credit card company is supposed to contact me and tell me what collection agency is being used. I never got one for this collection agency. Also, if the credit card company is going to have this on my credit report I should be able to pay them and not a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX filed this judgment on behalf of Portfolio Recovery. Accoriding to the FCRA 605. 
Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

2. Portfolio Recovery Asso. bought the debt from an undisclosed source several years after the statue of limitations ran out they hired XXXX, and or sold said debt to XXXX. XXXX in turn illegally filed an outdated judgment, against a man who is a victim of Identity theft. 
3. I was in my native country overseas when the judgment was filed, I therefore could not have been properly served. for the court appearance. 
4. For Portfolio Recovery has NEVER VALIDATED with an leaga documents properly linking me to the debt. to use the name XXXX PERSONAL INFORMATION to extort monies extortion, and discriminatory, this action is akin to IDENTITY THEFT I am are sure Portfolio Recovery the Credit Bureaus and XXXX are very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. We therefore request that they cease and desist all debt collection practices. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts on XXXX XXXX credit is in violation of FCRA 611. 
Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] We ask that the CPFB remind Portfolio Recovery and the Bureaus of the ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. I therefore request that you contact them demanding they validate this account. If they can not, they must cease and desist all debt collection practices and must delete and or block the account information from my credit profile according to FCRA 605B ( 15 U.S.C. 1681c-2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: NFM, 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: Old information reappears or never goes away

Complaint:
Nebraska XXXX XXXX needs to be deleted off my credit reports. It is 7 years old, it is settled and is still on my credit reports. I am trying to buy a home for myself and XXXX  children and need this deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Nebraska XXXX XXXX needs to be deleted off my credit reports. It is 7 years old, it is settled and is still on my credit reports. I am trying to buy a home for myself and 3 children and need this deleted.

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 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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  and Transunion should not be reporting a collection/chargeoff in the amount of {$850.00} on the XXXX  XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) My out-of-pocket expenses, as well as my deductible was met. Any remaining expenses should have been covered by my insurance and because these expenses were covered there is no outstanding balance due and nothing to collect/chargeoff. ( I have attached a copy of ( 1 ) spreadsheet outlining all outgoing expenses ; ( 2 ) insurance card ; and ( 3 ) letter for XXXX  XXXX XXXX XXXX. ) This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed and/or updated to report accurate information. I have contacted the bureaus to fix this however, I have not been successful.

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 2016-09-07
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other

Complaint:
Citibank has failed to return my account to a XXXX balance after my card was reported lost/stolen. The representatives keep telling me 24/48 hours. That was XX/XX/2016.

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 2017-03-07
Company: Medical Data Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
MDS has reported XXXX of my accounts to the Credit Bureaus even after I have made payments. I have been making weekly payments and have even paid XXXX of the XXXX accounts that I have with them. The rep told me that I have 30 days to pay this debt in full. She went to advise me that making payment arrangements does not prevent reporting. I think this is unfair especially when I am attempting to pay this 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
Consumer complaint received 2022-04-19
Company: Klarna AB
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX {$25.00} Late fee charge from Klarna for a missed payment Since XX/XX/XXXX an automatic payment was set up through my back and as of XX/XX/XXXX, I was notified by a letter I missed my XXXX payment. 

When checking my online account portal account my automatic payment account had been removed. 

XXXX has no direct phone number so I was forced to use a " chat '' function to dispute the charge. 

The rep said, " In this case, Klarna does not cover late fees on your bank since your payment is set for manual payments. '' I had to point out 6 times during my entire interaction that I had automatic payments set up since XXXX and that in XXXX they deleted the automatic payment. 

Finally I was told they escalated the issue and they would respond in the chat, but I would need to download their app. 

There was no option for a phone call or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The collection agency namely XXXX keeps reporting information on my report that does not belong to me. They were unable to verify this debt belonged to me back in XXXX of 2015 and all XXXX trades were deleted well low and behold they are back at it again and the credit reporting agencies are allowing them to report this trade again even though it was deleted the last time because they could not verify any of the information pertained to me. Im sick and tired of doing this every 4 months I want these trades deleted from my reports at once and to never ever to return and I want this collection agency to be held accountable for falsely reporting information that does not belong in peoples reports. These entries have destroyed my credit score to say the least and they need to pay for this. I have disputed this again with all XXXX credit reporting agencies. It is your job to warn them them that these trades must never ever appear in my report again. Im not going to wait 30 days for another investigation I want these deleted like 5 minuted ago meaning now not 30 days from now but right now, Im tired of these collection agencies just doing whatever they please and have to not answer to anyone. I can not give you the full account numbers for the trades as the credit reporting agencies do not provide the entire account numbers for them. To put it plainly anything that says debt recovery solutions needs to be deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24
Company: STERLING JEWELERS, 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: Old information reappears or never goes away

Complaint:
kay jewelers is still reporting on my credit report, this account is XXXX XXXX XXXX. I have settled this account and its over 7 years old. I am trying to purchase a home and I need this deleted off all my credit reports. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Portfolio Recovery Associates reported a XXXX XXXX Account which they bought from XXXX XXXX to the credit bureau as not settled. I am making monthly payments to PRA since XXXX 2015 after acknowledging to them that this was indeed my account. I checked my XXXX credit report and saw a collections by PRA showing as not settled. Why would you report this to a credit bureau when I was not late on my payments. In fact you get it right away because my bank sends this electronically to you. As of today, XXXX XXXX, 2015 the full amount of {$34.00} has been electronically sent to PRA by my bank and this is the final and last payment per our agreement. I want PRA to remove that record in my credit report as not settled for {$35.00} which is not only the correct amount but false information. You made it appear that I was not making payments to you for this account. and I am asking you to remove this in my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX i received a Insurance Check ( XXXX XXXX  ) to pay for repairs to my home because of the storm. I endorsed the check and submitted it to Bank Of America. The repairs never got done because the ( 5 ) contracting Companies I called all said it wasn't enough to cover the work. Since then I became XXXX and my home went into foreclosure and was sold at auction in XXXX. Bank Of America was the servicer but the home was owned by XXXX XXXX  I asked Bank Of America about the check and the Rep at the time told me they were gon na send to to XXXX XXXX. Throughout the foreclosure process I was dealing with a XXXX XXXX  Representative that came to my home every month who at the time told me that the check belongs to me because it came from my insurance Co and XXXX XXXX couldn't touch it they just want the home. I called Bank Of America a 2nd time and the next Rep told me they would send it to whoever purchased the home. I politely to them that the home was sold at Auction as is and the purchaser could not receiver additional funds. I called back a 3rd time and that Rep told me they were going to send the check back to my Insurance Co. I stopped calling about it because i knew i wasn't going to get the issue resolved. I recently thought about the check and decided to contact XXXX XXXX on XX/XX/XXXX. I explained the situation and i was told that they have no records of Bank Of America sending them the check. Unfortunately since the don't own the property anymore they could not escalate the matter. they advised me to contact Consumer Financial Protection Bureau. On the same day XX/XX/XXXX I also contacted my Insurance Co. at the time and they also said they have no records of Bank Of America sending them the check. They went on to say that they couldn't believe this happened and that the check belongs to me. I have the letter from Bank Of America dated XX/XX/XXXX that they have the Money in an account. I also have a copy of the check that the Insurance Co. recently sent to me showing that the check was cashed by Bank Of America on XX/XX/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