BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-11
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:
My personal information, birth certificate, driver 's license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I went to XXXX XXXX XXXX to get a credit card, and I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. I did not receive any money, goods, services, or another benefit as the result of the events described in this report. I filed a police report with XXXX XXXX Police and its ongoing investigation, no perpetrators have been found. Please delete the following accounts that are a result of identity theft. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. I certify to the best of my knowledge, all the information is true and correct.

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 2017-09-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PORTFOLIO RECOVERY ASSOCIATES is a third party collections agency that is attempting to collect on a credit card debt owed to XXXX XXXX. I can not remember the exact date that PORTFOLIO RECOVERY ASSOCIATES first reported to the credit bureaus, but I know it was reported prior to XXXX XXXX XXXX. That date was within a time frame when I first disputed the debt as I did not believe it was owed to them. 

It was removed from my credit, then they reported it again XXXX XXXX XXXX. I again filed a dispute as they had not 1 )  Notified me that this would be relisted and 2 ) the collections agency still had not supplied any proof that I actually owed them any debt. Once again, this was removed from my credit. On XXXX XXXX XXXX it was again relisted on my credit with no notification and still no proof of the debt being owed to them, or that the debt is actually not older than 7 years should still be reported on my credit report. 

It appears that their way of handling these issues is to wait until it 's removed then re-report it, to avoid having to prove they are owed the debt and also to restart the 7 year window they could report the debt. I believe that this violates the fair collections laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
The notes are, the bureaus arent following their own rules and guidelines, the 609 debt validation was sent as well as a demand to comply with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
Equifax held my financial data without my consent. They now say it was taken in the recent massive data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: SHM Holdings, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I inquired about a cash out refinance with Strong Home Mortgage , LLC. We were assigned a Loan Officer, XXXX XXXX. On XXXX I was completing the assigned documents when I came across a forbearance disclosure form. I contacted XXXX via email and let her know I was currently in a forbearance with the date it was initiated and its expiration. She advised me that we had met the parameters of the refinance with no concern of the forbearance start date ( less than 210 days after the loans first payment ). I followed through with each of the requirements including obtaining a wholesale membership they requested, a home appraisal and termite inspection all at my expense. I was continually reassured that we met the 210 day or 6 payments required by VA. Our closing date has come and gone and I was made aware that we in fact did not meet that requirement and must wait an additional 210 days from the date our first payment was made after the forbearance end date. I've invested time, money and now sacrificed a credit score due to the false claims made by the Strong Home Mortgage loan officer. I have made contact with a superior in the company who seems to be diverting the issue rather than resolving my concerns.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted Experian credit reporting agency to dispute three inquires that are fraud because i never request them. Two of them thru XXXX XXXX were done on same day XX/XX/2022. The other from XXXX on XX/XX/2022 they were never requested by me Fraud. I also have Three accounts XXXX XXXX XXXX, XXXX, XXXX part of Identity fraud report from FTC was submitted to credit reporting agencies and accounts havenot been deleted .I was told experian can not dispute and i must get in contact with does companies directly and get a removal code. But when i call the say they don't see any application under 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 non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MN
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 the morning of XXXX/XXXX/XXXX I learned, via The XXXX XXXX that Equifax experienced a data breach starting in XXXX XXXX lasting until XXXX XXXX that included significant personal identifying information, including social security numbers and credit card numbers. I subsequently learned that they had set up http : //www.equifaxsecurity2017.com/ and used that website to check if my data was included in the breach. 

According to the website, they thought I might have been. I tried to make sure I had not agreed to their arbitration clause and did not sign up for their " free '' credit monitoring program, and mailed them a letter to that effect. I expect it to be postmarked XXXX/XXXX/XXXX. 

I also called XXXX to initiate a 90 day fraud alert. The call was placed at XXXX PM on XXXX/XXXX/XXXX from my cellphone and lasted 3 minutes and 49 seconds. 

I have been told that I should freeze my credit, but also that it costs money to do so, as well as to later thaw it, and that I would have to do so with Equifax as well as XXXX and XXXX. This is unacceptable since Equifax is responsible for losing my data. 

Additionally, Equifax did not notify me that they had a breach, and they did not publically announce it via press release until well over a month after it happened. Their equifaxsecurity2017 website looks like a phishing scam and has a forced arbitration clause as well as a class action waiver in its terms of service, and it never presented any such terms to me nor did it ask if I agreed to them, rather I later learned of them via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
According to Equifax my personal information may have been impacted by their breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Equifax was hacked and my personal information was compromised. They knew of the breach on XXXX but are now just notifying the public that their information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
This is concerning the recent Equifax security breach. According to Equifax my personal information may have been impacted by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Regional Management Corporation
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2022 Contacted my mother. My mother is not authorized on my account. Told her I had a debt. Very stressing!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2020-11-11
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: Information belongs to someone else

Complaint:
My personal information, birth certificate, driver 's license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I went to XXXX XXXX XXXX to get a credit card, and I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. I did not receive any money, goods, services, or another benefit as the result of the events described in this report. I filed a police report with XXXX XXXX Police and its ongoing investigation, no perpetrators have been found. Please delete the following accounts that are a result of identity theft. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. I certify to the best of my knowledge, all the information is true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX  - Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-02-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
WELLS FARGO HOME MORTGAGE ( XXXX ) ACCOUNT NUMBER XXXX Another XXXX XXXX To XXXX Me, The Borrower, And Position Themselves To XXXX XXXX Of My XXXX. 

BACKGROUND This is my XXXX complaint about XXXX with the Consumer Financial Protection Bureau. 

Since XX/XX/XXXX, Wells Fargo Mortgage has initiated a series of dirty tricks to manipulate my mortgage account number XXXX in such a way as to misrepresent the debt owed and my compliance with the contract terms. 

Since the contract, originated in the fall of XXXX, I have fulfilled my obligation perfectly. I have made every payment due in full on time. XXXX has failed, however, to comply with their contractual obligations as previous complaints about them demonstrate. 

AGE DISCRIMINATION I am a senior with a lot of equity in my property. XXXX has targeted my account for XXXX  and XXXX to discredit me and position itself to foreclose. 

Their actions are age discriminatory. They think that my age makes me especially vulnerable and defenseless against their dishonest account manipulations. 

THIS COMPLAINT IS FURTHER EVIDENCE Of XXXX BAD FAITH AND DISCRIMINATORY ACTIONS I paid the mortgage payment due on XXXX XX/XX/XXXX in the amount of {$1500.00} at a Wells Fargo Branch. ( See uploaded Wells Fargo Branch Transaction Record.pdf ) On XXXX XX/XX/XXXX, Wells Fargo returned my XXXX XX/XX/XXXX mortgage payment claiming they could not accept it because it was less than the required amount and they are not able to apply for partial payments. ( See uploaded XXXX ) Their letter did not say what that fantasy amount due was or where I might have discovered it. Their official account and escrow statements show that the amount I paid is the precise amount due. XXXX uploaded files shown below : XXXX. Wells Fargo Account XXXX dated XXXX XX/XX/XXXX - Uploaded XXXX WellsFargo-XXXX XXXX. Wells Fargo XXXX XXXX XXXX dated XXXX XX/XX/XXXX - Uploaded - XXXX I find it astonishing that XXXX put in writing that they are unable to accept partial payments. Accepting payments is a fundamental and essential capability of loan serving systems. 

Furthermore, my mortgage, like most currently originated mortgages, allows prepayment without penalty. This clause does not restrict prepayments. 

Even if my payment was less than their fantasy payment, their reason for refusing the payment is just make-believe and another opportunity to harass 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 2023-04-01
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:
This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX Balance Owed XXXX {$82.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$82.00} XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2018-04-02
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed my XXXX card account in XX/XX/XXXX. At the time of closing my account, I was told the fees would be waived and balance would be updated to XXXX. I called again in XX/XX/XXXX and was again told that the fees would be waived and my balance would be updated to XXXX. I've attempted to dispute the charges via the three credit reporting agencies. XXXX continues to report my account as late and charged off. However, the balance consists of fees that were supposed to have been waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Riverwalk Financial Corporation
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requested Deville Asset Management to verify debt they sent me someone else 's private information. I requested the company respond within 30-days but there was no response. Since there was no response I contacted company in attempt to discuss previous sent lettter. The representative answered the line and immediately became very defensive with his words and would not let me speak. He refused to listen to any thing I was stating. He said my phone call was a waist of time and that he was not removing debt and I can notify anyone I want because he didn't care. After he finished I asked if I could speak to someone else because he's too defensive. He said no. He was very rude and unprofessional from the start of the conversation. 

Why is he so defensive? when they sent me the incorrect information. They exposed someone's private information to me. 

And yes they should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: EQUIFAX, INC.
State: AL
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 filed a dispute with Equifax about a bankruptcy that is reporting on my credit report, I dispute the debt and the validity of it being verified. I mailed the letter from the court saying that no one has verified the validity of the bankruptcy and mailed it to Equifax as well. They are still reporting this information and refuse to remove them unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE. I NOTICED IT BECAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASNT APPROVED SO IT PROMT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AND NEED TO BE DELETED FROM MY 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 2022-07-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for an Amazon Visa card and was approved on XX/XX/XXXX. I applied for the card specifically for use on Amazon XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. The application was approved by Chase, the card issuer. There was an offer for 0 % interest for 18 months which I was eligible for. I was going to use the card to purchase a couple of XXXX devices which are currently on sale. When I went to check out on Amazon, the card was showing as a payment option, but I kept getting an error message when trying to complete my purchase. I called Amazon who told me that Chase would be able to provide me with the full card number, however they were not able to. While I understand that this is due to security reasons, I wouldnt have applied for the card if I had known that I wouldnt be able to use it to make purchases during this 2 day sale. Because it was showing up as a payment method on my Amazon account and wasnt requiring the full number, I though that I would be able to use it. As Im not able to use it, I do feel that theres been a level of bait and switch here, both by Chase and Amazon. Im losing out on nearly {$170.00} on savings during the XXXX XXXX Sale. I applied for this card in good faith and with the understanding that I could use it immediately. As this is not the case, Im wondering what my options are as I would not have applied for the card had I realized that I wouldnt be able to use it. Im also concerned about the impact of this on my credit report. I finally just finished up over an hour and a half on the phone with Chase and theyre expediting the card, but I dont think itll get here in time for me to take advantage of the sale on Amazon. Additionally, Chase is saying that this is an issue on Amazons side, but given that Chase is the card issuer, it seems like theyre trying to pass the buck.

Company response to consumer: Closed with explanation