BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-02
Company: Affirm 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:
Account : Affirm INC # XXXX Date open XX/XX/XXXX Amount {$1300.00} Account : Affirm INC # XXXX Date open XX/XX/XXXX Amount {$4400.00} Account : Affrim INC # XXXX Date open XX/XX/XXXX Amount {$6100.00} THE ABOVE ACCOUNTS ARE NOT MINE. I HAVE DISPUTED ACCOUNTS WITH EXPERIAN AS WELL AS AFFIRM INC AS NOT MY ACCOUNTS SEVERAL TIMES IN WRITING. ACCOUNTS STILL REMAIN ON MY CREDIT REPORT. 
I specifically, deny that these alleged accounts/debts and/or accounts stated/implied and/or obligation is certainly NOT mine, if this alleged account/debt and/or account stated/implied is certainly NOT mine, I deny that these account/debt and/or account stated/implied and/or obligated to is NOT authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan-level documentation under the FDCPA 1692g ( a, b ). I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with AFFIRM INC or any of its Affiliates nor have I ever engaged in any business with AFFRIM INC in the past and this trespass against me is a result of identity theft. I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation of my good name, and has caused me injury for which I will seek redress, compensation, and settlement. I specifically demand within 15 days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above. I intend on seeking remedy for damages, equitable relief, and just compensation for any and all violations of my consumer rights and any other rights not mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: NY
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 claim with the cfpb against XXXX XXXX XXXX XXXX XXXX in 2020, XXXX XXXX XXXX XXXX XXXX is reporting a debt that doens't belong to me and it furnished an address to my credit report that doesn't belong to me. I filed a identity theft report and the information was never blocked from reporting on my credit report, which is a violation. I am requesting that these items be removed from my credit report immediately. attatched is the documentation that should support my claim. I am having difficulty applying for a mortgage because of this fraud account that still reporting on my credit report. XXXX  and XXXX  has already removed this item from my credit file and I am waiting for equifax and XXXX XXXX XXXX XXXX XXXX to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
comenity bank is reporting to the credit bureau that my accounts are charged off. they sold all of my accounts with them to an collection agency that i then paid off completely these accounts should be removed from my credit report i have disputed them several times and the information just gets updated and nothing changes

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 2022-09-10
Company: Porania, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and XXXX reporting delinquent and it is not delinquent been placed on hold per President 's request.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-03
Company: EQUIFAX, INC.
State: CA
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 have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if the need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copied from the affidavit attached ) *******

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My house that was owned by my mother and willed to me is in foreclosure and set to be auctioned in XXXX. This is happening even though I have been told that I qualify for and fit into modification guidelines for help. My issue is that Di Tech Financial has failed to conduct any type of review of my financial situation or assign a dedicated account manager to work with me. I had some financial issues in the past but my income and employment is steady and my current wife works as well. We could easily afford a reasonable payment if DiTech Financial were to review us for any of their internal or government programs. This is a conventional fixed rate loan and there should be some type of modification program for XXXX XXXX and XXXX XXXX loans that DiTech could look at. Our problem is that they are passing all of this by and just trying to do a foreclosure sale on my home. My problems with this loan began in XXXX when I was going through a costly divorce. I could not keep up with the payments and fell behind. I contacted the servicer at the time ( Greentree I believe ) and they reviewed my information and told me that I was eligible for a loan modification. I began the process but my ex-wife ( who was listed as co-borrower at the time ) was not cooperative. We fell further behind and then together we decided the best thing to do was reinstate the loan and pay all the past due amounts. We did this and then got the divorce finalized and the house was awarded to me. However, I had a couple of bad seasons which affected my employment and income ( I work as XXXX XXXX/XXXX ) and fell behind on the loan again. I am once again trying to resolve this matter and get considered for some type of assistance but cant get to first base with DiTech. My income is back to where it used to be and my current wife is employed as a XXXX and together we earn sufficient income to qualify for assistance programs. The problem is that Di Tech Financial will not even give us a chance to be considered for retention options, even those that they are required to offer on conventional loans. Instead they have moved to auction our home on XXXX XXXX without even giving us a chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Receivables Performance Management, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

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 2017-06-16
Company: Social Finance, Inc.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My oldest daughter just refinanced roughly {$60000.00} student loan debt with SoFi. My daughter provided all documentation SoFi asked for ( most recent statements of loans to be refinanced, etc ) and I co-signed the loan. SoFi apparently did not ask my daughter for payoff statements of loans to be refinanced, and apparently did n't acquire authorization from my daughter to request payoff statements themselves. SoFi calculated the " payoff '' amounts themselves. As a result, one of her loans was underfunded by nearly {$3000.00} and now we are left holding the bag, scrambling to come up with the money or secure additional financing. I spoke with several levels of agents at SoFi who acknowledged they under-fund loan payoffs regularly, arrogantly asserted that my daughter should have known to request a payoff, and reported they are happy to add the additional money due to her new loan with SoFi. <P/>Are n't there laws requiring a student loan lender, as the knowledgeable party, to request payoff quotes from companies they are paying off ( whether requested from borrower, or authorization is obtained to acquire payoff quote themselves )? If not, I hope you will lobby for regulations to be put in place requiring lenders to  obtain accurate payoffs when refinancing debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My old boyfriend got in my bank account and took money out of  XXXX    XXXX   when he was here. He saw my password to my bank. Did not know it at the time. He took  XXXX  out that I never had in there and ran with it!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
mortgage company has not paid my county taxes from my escrow account ... .they are 6 months late and today is the last day before my property will be advertised for sale for a tax lein.taxes were due 6 months ago XX/XX/XXXX... XXXX faxed them an extra copy of my tax bill.on XX/XX/XXXX i got a notice from XXXX XXXX XXXX XXXX office that my taxes were not paid and would be advertised for a tax lein sale if not paid by XXXX called my mortgage company ... PHH..on XX/XX/XXXX about the matter and was told they would take care of it.Since XX/XX/XXXX I have called them 26 times about this matter only to be put on hold or " wait 3 more days '', or was transferred to other places ... XXXX, Alaska, and the Phillippines XXXX ..with no resolution ... .i am now within 20 minutes of the deadline at the tax office and no resolution, no answer from PHH ... ... .I am not late on my mortgage payments, how are they allowed to be so late on payment from my escrow account ... ..i am begining to think these people are scammers... they should be barred from doing business in this country ... ... .i am beyond mad!!!!

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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THIS COMPLAINT IS BEING SUBMITTED BY MYSELF XXXX XXXX XXXX XXXX PERSONALLY. no third party is used in the submission of this complaint I have disputed directly with all 3 bureaus regarding incorrect information repeatedly. the refuse to report my accounts accurately iaw with federal credit reporting act. 



XXXX they continue to report credit card accounts open/deragatory which were discharged XX/XX/2020 in a XXXX XXXX bankruptcy ( case XXXX ). these accounts should be reported as closed XXXX they refuse to report payment history accurately for older good standing installment accounts in the correct timeframe ( my creditor score factors states i have short credit history ) XXXX they refuse to accurately report open installment accounts payments in 30 days XXXX they have closed current installment accounts and not reported current payments XXXX they refuse to remove remarks after repeatedly disputes. they remove them and them put them back on again over and over XXXX. AS RESULT OF ABOVE MY CREDIT SCORE AS BEEN SAME FOR YEARS

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 2017-06-16
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Complaint is about Targe t Card Services. I moved in 2015 at  which point I updated my address. On several occasions since I have been unable to use my card, each time calling in and told the wrong address was on file and a new card was sent. Each time I updated my address with reps. Each time they asked that I repeat the address several times. Today I called because once again I never received my new card. The wrong address was still on file and my account was closed due to inactivity. I was told by the manager that I could not be helped because target confirmed that my address was accurate. This make s zero sense  because my address was NOT accurate. Target sent my personal information and credit card at le ast three tim es to wrong addresses. This is not okay and is a huge violation of consumer privacy and protection. I was told there was no one else at target to speak to and he only way to voice my concerns was to write and mail a letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22
Company: Dynamic Recovery Solutions, LLC
State: MN
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 am a victim of identity theft and I am receiving phone calls of harassment, profane, injurious and abuse language, death threats and threats of being arrested and sent jail and prison from Dynamic Recovery Solutions Representatives for a debt and credit card account from XXXX XXXX XXXX  for {$960.00}. The account and debt is a fraudulent account and debt, and not my account or debt. The account or debt dont belong to me. Its a fraudulent account and debt. Dynamic Recovery Solutions in is infringement and complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've submitted many complaints against the credit bureaus. THey have not been sticking to the 60 day investigation time-frame investigation put fourth by the CFPB. Each complaint they respond that they will notify me in 60 days, to this date i have received no results into the 9 complaints I have filed. I am filling again. I have attached both my 609 letter disputing the inaccuracies. as well as my demand to comply letter written by my attorney. We will be filing a lawsuit against all 3 companies, if the results of this complaint are not satisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX XXXXXXXX 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 a account without my written instructions. Equifax states this debt has been validated, but in 2019 Equifax also validated that this debt did not belong to me case confirmation # XXXX A summary of the results are listed below : Trade : XXXX XXXX XXXXXXXX ADVERSE ACCOUNTS THAT HAVE NOT BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, SCHEDULED PAYMENT, ADDITIONAL INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 I transfer {$1200.00} dollar. To XXXX they told the receiver that exceed so they was going to cancelled to transaction to call me to cancelled it and get a refund i call the company and they tell me that i had to wait 48 hour so i wait the 48 hour for the refund which i call again they tell me they need another 24 hours i call the next day they tell me the same every day they always ask for and extra 24 hour today XX/XX/2020 the representative tell to go to the place where i did the transaction so i proceed when i get there i ask representative to call XXXX XXXX because they told me they was going to give me a transaction number after waiting for over a hour the store representative tell me that they still working on it that they not going to give me my money for now that they would get to me when they have spare time to give my refund back the store representative told me that he can't do nothing for me and that i lost my money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We have received another scam letter fro m Hunter Warfield, claimin g they are attempting to collect a debt for a company we 've never encountered and an amount we 've never owed. I am well aware how these organizations work in attempting to purchase debts from creditors, manipulating people with similar names into believing they owe a debt that is not their own, and harassing said people until they give in and pay a debt they do not owe. I will not stand for this again! Companies like this should be taken down by the government for their deceptive and shameful acts of extortion.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXXXXXX 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 a account without my written instructions. Equifax states this debt has been validated, but in 2019 Equifax also validated that this debt did not belong to me case confirmation # XXXX A summary of the results are listed below : Trade XXXX XXXX XXXX XXXXXXXX ADVERSE ACCOUNTS THAT HAVE NOT BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, SCHEDULED PAYMENT, ADDITIONAL INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The XXXX credit bureaus are not complying with their own policies in a timely manner. I sent a letter on XX/XX/2022 addressing the issue and still no response from neither bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: BB&T CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Back in   XXXX   XXXX     I went to  XXXX   XXXX   XXXX  for an oil change and I came out driving a new   XXXX    XXXX   XXXX   XXXX . My monthly payments are currently {$530.00}. I have tried numerous times to get out of my issues but I have been denied over and over again. I currently owe {$17000.00} on a car that costs {$23000.00}. Which does n't make sense to me or anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: CO
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 original complaint XXXX was closed by CFPB and was never even sent to the company. 
This is NOT a duplicate request. I do not understand how you can close a complaint and say it was already processed when Ive never placed a complaint before. 

Please review and investigate My complaint XXXX and if you find that there is a duplicate prior to the number stated above, send me verification of this.

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