BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: Affirm Holdings, Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, at XXXXXXXX XXXX I received a call from Affirm Inc ( phone number- XXXX ) stating that my account had fraudulent activity and that she would help resolve my problem so I did exactly what she said to do which was use all my available balance ( {$1000.00} ) and make a virtual card and then after we would get off the phone the fraud department was supposed to call me after they were supposed to suspend the virtual card and prevent any fraudulent activity. I never got any call, email or text message about them fixing anything. 
Come to find out when I got on my account to see if it was fixed and the card was expired and there are XXXX different transactions ( {$950.00} and {$100.00} ) on it and I did not do either XXXX of them nor do I even know what the purchases even were. I didn't get any emails or anything about the transactions and now they are saying I am responsible for the loan when it was all because they called me and said I had fraudulent activity on my account and that was the way to resolve it. so I let them do their job or at least thought they were going to do their job but no my money gets used anyways and I'm getting blamed for it. I have filed a police report and got in touch with a lawyer. I have a few pieces of evidence I could email in if you would like the call log with affirms number and the time and date, the transactions on the account that also have no descriptions whatsoever on them, the police report, and what they have emailed back which all they told me was that I am responsible for the loan. Thank you for reviewing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX, XXXX and XXXX will not update my VA Loan with Wells Fargo. They have no data and has caused a XXXX to XXXX point loss in my credit score.

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 2016-08-02
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
SERVERAL ADDRESSES WERE INCORRECT ON MY CREDIT REPORT. I HAVE NEVER LIVED AT THESE ADDRESSES. 
- 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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act the following accounts 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 602 A It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-11
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 information incorrect

Complaint:
The billing on this account has changed various amounts of times. The rates have changed. My identity was stolen. The College has not tried to resolve the issue they are just assuming I am completely responsible for the value and it is harshly affecting my reputation and credit score. I am unable to purchase certain items or obtain decent credit due to falsifying reports given by the Company. Per the law the companies are not abiding by the FCRA and verified any of the accounts but have " updated '' them on several occasions.

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 2016-04-26
Company: Fay Servicing, LLC
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
There are serious issues with my mortgage that would indicate my current servicer, Fay Servicing and the alleged note holder lack standing to foreclose which they are currently threatening to do. There are also issues that show they are billing me for tax escrows that were never paid. 

The first mortgage assignment recorded on XXXX/XXXX/XXXX prepared by XXXX indicating XXXX was assigning the mortgage to XXXX would be void due to the fact that XXXX would have had no agency relationship with XXXX XXXX in XXXX due to the dissolution of XXXX XXXX XXXX as a corporate entity on XXXX/XXXX/XXXX. 

The second mortgage assignment recorded on XXXX/XXXX/XXXX, assigning the mortgage from XXXX to XXXX Legal Trust is also problematic for multiple reasons. 

First, it appears XXXX violated the REMIC provisions ( Sections 860F and 860G ) of the Internal Revenue Code of XX/XX/XXXX that state a mortgage in default can not be placed into a REMIC Trust. 

After reviewing the Securities and Exchange Commission 's XXXX database, it appears that XXXX Legal Trust is not registered with the Securities and Exchange Commission ( SEC ). It appears XXXX Legal Trust is in violation of Section 5 of the SEC Act of XX/XX/XXXX that requires all entities offering securities to be registered with the SEC or qualify for a Rule 144a exemption from the registration requirements. There does not appear to be a Rule 144a exemption filed with the Securities and Exchange Commission. 
There also seems to be serious miscalculations of the amount Fay Servicing is claiming I owe on the mortgage. According to documents supplied by Fay Servicing and their attorneys, XXXX XXXX XXXX, Fay Servicing is charging us {$27000.00} in tax escrow payments from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. However, it appears from a XXXX county tax bill sent us in XX/XX/XXXX that the outstanding property taxes equaling {$24000.00} were never paid. The property is currently in the process of tax forfeiture.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: COLLECTION BUREAU INCORPORATED
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I represent an employer. XXXX sent a fax to a general company number with the person 's name and Social Security number clearly stated and this statement : " This communication is from a debt collector. Any information obtained will be used for that purpose ''. 

This method of communication is compromising to the employee, as it could be compromising to the person 's position, in addition to exposing the name and social security number, which makes them vulnerable to fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-07-07
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On credit report Transunion, XXXX, XXXX states XXXX negative accounts, XXXX positive accounts, XXXX inquiries. 
However XXXX XXXX XXXX after XXXX months of paying debit for cell phone bills will not sell a XXXX down cell phone at XXXX dollars per month because of ruined credit and harassment. 
Being a veteran I was billed for emergency non VA treatment hospital care, and sent to collections feeling I was billed XXXX dollars for emergency treatment at non VA hospital my question when my employers and veteran payee pays over XXXX dollars in Medicare payments WHY cant Medicare pay the non VA hospital bills. There is wreckage of the past that causes abusive unfair credit reporting. Since XX/XX/XXXX I do not use credit cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The original creditor which is XXXX XXXX sent an account that never belonged to me to a collection agency called diversified consultants. I Received a letter in the mail from diversified consultant attempting to collect on a debt from XXXX XXXX. I sent diversified consultant a letter asking them to validate the debt and send me all information on this account, I asked them to send me a of contract or anything bearing my signature because I never had and account with XXXX XXXX. They failed to provide me with proof of what I asked them they sent me an itemized bill with a list of charges which is not proof that the account belonged to me. They failed to send me the information that this account was mines. I just checked my credit report and according to my credit monitoring they already listed the account on my credit profile without fully proving proof. The address is also not my address as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

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 2015-08-10
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My mortgage loan is with Green Tree Servicing as interest rates fell during the mid and late XX/XX/XXXX Myself and My wife were interested on numerous occasions at restructuring our loan either as a refinance etc. but we were always told that it was impossible by Green Tree representatives, when MHA, restructuring etc. was made available under Federal Law again Green Tree advised us that a Refinance within the company was impossible, although they offered loan products of all types, My mortgage has always been paid on time we have never had as much as a day late mortgage payment all we ever wanted to to do was take advantage of lower interest rates, Our home was purchased in XX/XX/XXXX and it is a mobile home but on a fixed foundation and considered real property by the county within in where we reside Our interest rate is 7.79 and Originated with XXXX and was sold apparently to Green Tree in which our nightmare began early this year I filed a complaint with the Tennessee Consumer Division, because although our mortgage has always been timely and paid in full Green Tree hounded us by phone almost daily after being notified division in ( which Green Tree stated in an out right Lie they never contacted us, ) advised the STATE OF TN They would put us on a no call list, etc. I would just like to know why our loan through GT Servicing does n't even qualify for Bi-Weekly payments or any change for that matter, I have been told every time I spoke with Green Tree where I called that we could n't modify at all period Why, no one at Green Tree would explain to us at all just simply that we couldnt change anything, I 'm not asking for my mortgage to be paid for me I just dont understand why we are discriminated against by this company under the MHA Law or any other aspect of our Loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XX/XX/2021 I disputed a erroneous name reporting on Experian credit report which is XXXX XXXX and the address XXXX XXXX XXXX XXXX XXXX, NM XXXX. EXPERIAN responded on XX/XX/2021 with an XXXX XXXXXXXX reply saying that I need to investigate who creditor is reporting that name and contact them directly. sorry EXPERIAN but that is your job not mine EXPERIAN YOU ARE THE ONE REPORTING INACCURATE INFORMATION NOT ME you need to investigate and provide me as the consumer with your METHOD OF VERIFICATION which I am allowed to ask according to section 611 of FCRA I want to know : Which creditor you talked to, name of the person you talked too, what prove they provide to verify thats this is me indeed what do they have please send a detail list of the people you spoke too during this investigation thx.

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 2017-04-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On multiple occasions over the course of   XX/XX/XXXX   and  XX/XX/XXXX  I have made several phone calls and written letters regarding my debt and payments on my account and at every occasion the representatives have bullied me into payments I 've told them numerous times I can not afford they have even canceled several of my payments and mailed back the check and letters I 've mailed them. I have requested they send my account back to the original creditors because I no longer want to deal with them because of their methods to squeeze more money out of me than what I owe.

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 2017-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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:
Portfolio Recovery is  incorrectly reporting that I owe them a total of {$11000.00} on my credit.     I have never signed for services with them and I do not know who they are. There is no reason for them to be reporting an unpaid debt on my credit report.     My report shows an account number of "   XXXX   '' I 've done some research online and I have only come across negative reviews and scam stories by other consumers who have been harassed by this collection company. As a matter of fact, the   XXXX   XXXX   XXXX   has a negative review rating of 91 %! I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I WENT TO XXXX AS SUGGESTED BY XXXX FICO TEAM AND THIS WEBSITE.  I ORDERED ALL XXXX CREDIT REPORTS. I RECEIVED THE FIRST REPORT FROM EXPERIAN AND SAVED IT. I THEN DISPUTED AN INCORRECT ISSUE AND RE-SAVED.  I WAS THEN PREVENTED FROM PROCEEDING WITH THE REST OF THE REPORTING. I WAS, HOWEVER ABLE TO NAVIGATE ANYWHERE ELSE (PURCHASE CREDIT PROTECTION OR ORDER A XXXX SCORE). THERE IS NO PERSONNEL ANSWERING THEIR LINE.  I THEN CONTACTED THEM VIA THE ONLINE "CONTACT US", BUT HAVE NO WAY TO GO BACK TO MY REPORT.  THIS IS UNACCEPTABLE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Stellar Recovery, Inc.
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I got a call from stellar recovery. The lady tells me that i have debt with XXXX for XXXX. I told her that this is the first time i had heard about the debt. I asked her some questions as to when this so called debt happened, she says it is from XX/XX/XXXX. I said i do n't believe that was correct last i remember XXXX was after me to turn there equipment which i did. I asked her if she could validate the debt and she said so you are disputing that this debt is valid, and i said i would like some proof and she said ok and hung up. This call was made approximately on XX/XX/XXXX. I got an email this morning that may credit score had dropped i have a collection account from stellar on all XXXX bureaus. I have so many phone calls from fraudulent outfits lately, just last week i got call from the irs saying that i owed them XXXX dollars and if i did not pay they would arrest me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I tried to file for repayment deferment based on my XXXX student status as a XXXX. student with The XXXX, XXXX, XXXX, XXXX XXXX. Even though the school has no electronic code ( the main reason SallieMae refuses to grant my deferment ), which XXXX universities do not have, the following fact is obtain from XXXX, XXXX paragraph down : The XXXX is also one of only three XXXX XXXX higher education institutions to gain accreditation in the United States of America by the Middle States Commission on Higher Education , [ XXXX ] an institutional accrediting agency, recognized by the United States Secretary of Education and the Council for Higher Education Accreditation. I intent to file a lawsuit against SallieMae, and to publish bad publicity about this loan institute. The lack of an electronic code is completely irrelevant to this case. All that matters is my XXXX status at a XXXX university in the United States, even if the university is headquartered in XXXX, XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: PA
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'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND XXXX XXXX ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). I called XXXX  and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law.On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation