BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, XXXX XXXX  XXXX time, I spoke with MrXXXX XXXX XXXX after finding out that I had a debt collection on my credit report. I wasn't notified about this issue via email, mail, or anything. I then reached out to find out what is going on, and why I was not notified by Portfolio Recovery to prevent this from reaching my credit report. They confirmed they sent it to an address of XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I advised them that was not an address I have lived at since XXXX. They then said, " Well, we have a XXXX XXXX XXXX XXXX, AZ XXXX on file ''. I advised them that I never received that whatsoever. ( On XX/XX/XXXX, I reached out to the Postmaster to get a copy of all the mail I have received for 1-year. Portfolio Recovery is nowhere on the mail report showing them ever sending me a letter. ) I proceeded with a friendly conversation to ask them how can we get this handled right away and get it removed. They neglected to say anything, so I then threw it out, " What if I pay you in full right now? Can we get it resolved? '' They responded, if you pay it today, we will update the credit report to reflect a XXXX balance immediately. I asked them if they verified this information before they posted it to my credit report. They said they didn't have to as of yet because it wasn't requested. They then said, After the payment has been posted for 30 days it would be removed. I asked for that in writing before I pay the bill, they refused to do so until I paid. So, I paid the bill to prevent myself from being homeless because their line of credit is what is preventing me from buying or renting a home. I am attaching the letters that were sent to me and the information. I would like Portfolio Recovery to be Shutdown due to this exact issue. For being deceptive, misinforming, and not providing required notification prior to all this occurring. 

On XX/XX/XXXX, I reached out to Portfolio Recovery to address this issue and they refused to do anything and said, " I have no knowledge of this phone call and I will document your call and that's all I can do! '' I spoke to a Mr. XXXX XXXX. After that, I became XXXX. This company has lied, posted inaccurate information to my credit report, and never properly notified me of the issue to prevent it from getting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There was a charge in the amount of {$9700.00} on XX/XX/2022 from XXXX XXXX XXXX a place where I have never been or authorized charges from. I called BOA Fraud department and they said they would send me a new card and research the dispute. However, I got a letter in mail today XX/XX/2022 saying my fraud claim has been rejected and I am responsible for this amount I can not pay this because 1 ) I never did charge 2 ) it would put me in financial ruins.

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 2023-07-21
Company: Experian Information Solutions 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 implore you to take action and remove these fraudulent accounts from my credit report 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 explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-22
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: Account information incorrect

Complaint:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-11-24
Company: Experian Information Solutions Inc.
State: KY
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 tried to apply for a credit card and received many inquiries. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 
Inquiries : 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 XXXXXXXX

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 2021-08-02
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I asked on XX/XX/XXXX over the phone with NewRez to get three months forbearance due to COVID and recently being diagnosed with a XXXX XXXX XXXX and needing treatment thus having to stop working for 3-4 months. They told me I would have to call back in XXXX to get help with this. Ill be in XXXX XXXX XXXX in XXXX and would like to set up forbearance before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Personal Statement I have been incarcerated for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 All the above inquiries is unauthorized and should be disputed from my XXXX  Report and all 3 Credit Bureaus Experian XXXX And XXXX Under the laws of the FCRA ( 15 USC 1681-1681u ) these unauthorized inquiries and accounts must be removed.

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 2023-05-12
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Hello, On XX/XX/2023, we transferred {$1800.00} USD to XXXXXXXX XXXX XXXX using Wise ( https : //wise.com/us/ ). We paid in USD and Wise converted the amount to XXXX ( {$1500.00} XXXX XXXX since XXXX XXXX is located in the XXXX XXXX. 

We followed up with XXXXXXXX XXXX  immediately after sending the payment via Wise and for several weeks afterwards. She did not receive our payment. She contacted Wise several times and Wise stated she they were unable to talk to her or assist her since she is not the sender. XXXX also worked with her bank and they confirmed our payment was not received. She has bank statements to show the payment was never received. 

XXXX was advised by her bank that we ( the sender ) needed to recall our funds to ensure we did not lose the money. We recalled the funds and received the money back in our bank. However, Wise is now saying we recalled the money from them and we owe the amount back to them. 

I do not believe we owe this money to Wise because the service they provide was not fulfilled. I do know where they transferred our payment to but it was not the intended recipient. We have been working with Wise customer support since early XXXX and they took weeks to investigate and trace this issue with the recipient 's bank. Wise has completed the trace and said : Regarding your recent error request and claim, we appreciate your patience. 
Weve finished investigating to determine whether the funds were completed by Wise and sent to the recipient 's bank account. What weve found from the trace is that the funds were completed and sent to them in XXXX, but the recipient 's bank converted them to USD. You have the right to request any documents weve relied on in our investigation to come to this conclusion. We have requested documents from the investigation and have received nothing. We simply do not agree with the conclusion to their investigation because the recipient never received our payment and has the bank statement to provide it. 

Wise has threatened collection and legal action to us several times. We dont know what else to do and any help you can provide would be much appreciated. This is a lot of money and we do not believe we should have to pay Wise since our payment never reached the recipient. Please let me know if you need any additional documentation. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: Bread Financial Holdings, Inc.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT IT IS NOW XX/XX/XXXX AND XXXX FRAUDULENT ACCOUNT IS STILL ON MY REPORT! 

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

XXXX XXXX LATE PAYMENTS Credit usage 100 % Balance {$570.00} Balance updated XX/XX/XXXX Credit limit {$350.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Status 90 days past due Status updated XX/XX/XXXX Past due amount {$100.00} Highest balance $ 571 Monthly payment {$29.00} Contact info Address XXXX XXXX XXXX XXXX, OH XXXX XXXX number None provided THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 


As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: NJ
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 have disputed this collection many times since it was placed on my report. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a certified XXXX letter to XXXX XXXX XXXX referring g to account beginning in XXXX asking them to verify a debt that I owe to them. They have ignored the request to verify the debt in the allotted time allowed by the FCRA

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 2022-11-24
Company: Zip Co US Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi, Before getting to the specific issues with Zip, heres some background. I purchased a coffee maker using Zip/QuadPay on XXXX on XX/XX/XXXX. My order was never delivered and despite multiple attempts to contact XXXX I received no responses. So, naturally I tried to dispute the transaction with Zip, and thats where the real frustration began. 

First off, Zip, would not let me submit a dispute even though it had been over two weeks of me contacting the merchant ( which is the threshold per their docs ). Each time I reached out to Zip, I got a response asking for more info ( clearly they hadnt read the previous messages ), and that I should just try to reach out to the merchant again. Then they gave me the contact page of another company to reach out to ( XXXX ), which is completely unrelated to this transaction as far as I can tell. That company responded saying they had no clue what I was talking about and that they dont sell any consumer goods. 

After multiple further attempts to get Zip to dispute the transaction, I finally started disputing the individual transactions through my funding instrument ( XXXX ) for Zip. Zip even threatened that I shouldnt file a dispute because it would make my account inactive. This whole process has felt entirely shady and Zip has lost any bit of trust I had in them. Id highly recommend others stay away from Zip/QuadPay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This is not a matter that I need personally resolved. I am fine. I have not fallen for what I view as the predatory behavior of Nationstar DBA Mr. Cooper. Rather, I simply would like to draw this to the attention of the CFPB because in my opinion its despicable, wrongful, predatory, misleading, and for all I know perhaps it is illegal. 

A few months ago the servicer and owner of my VA Mortgage ( XXXX ) transferred ownership of the mortgage servicing rights to Nationstar DBA Mr. Cooper. Previously, they had been the sub servicer. 

Since then, the new loan servicer ( Mr. Cooper ) has been trying to get me to refinance my loan by sending me monthly solicitations. In my view, they are not doing so in good faith. For example, today I again received a flyer in the mail from Mr. Cooper which says : Now that youre a Mr. Cooper customer, well be keeping an eye out for ways to make your loan even better. 

Keep in mind that I am only their customer involuntarily. In any event how does Mr. Cooper propose to make my loan even better? By replacing it. Yes, according to these guys, my loan will even better if I engage in a cash out refinance. So my loan ( 30 year VA fixed at 3 % ) would be replaced by their loan on terms XXXX  but certainly not at 3 percent. 

If they want to send advertising to their captive customers I suppose thats their privilege, but it should not be ok to do so in a manner apparently intended to entice potentially gullible customers with what ( in my opinion ) are lies. If my loan is to be replaced, as they propose, it could not be even better because it would no longer exist. Further, putting that silly rhetoric aside, it is simply false by any reasonable standard to suggest that the loan they are proposing is even better than the one I have. 

As I said above, this is not a personal problem for me. I am not fooled by this. I have no interest in refinancing and would never voluntarily enter into a new relationship with Mr. Cooper. I simply want to suggest that the CFPB might want to look into this kind of advertising by this company. It really is unconscionable.

Company response to consumer: Closed with explanation