BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-15
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: Account information incorrect

Complaint:
I contacted two representatives on two separate occasions in order to get this rectified at XXXX  The lease was PAID IN FULL back in XX/XX/2021 and the leasing company XXXX continue to report a balance and OPEN account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: ERC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
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:
I contacted two representatives on two separate occasions in order to get this rectified at XXXX. The lease was PAID IN FULL back in XX/XX/2021 and the leasing company XXXX continue to report a balance and OPEN account.

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 2023-05-17
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My son passed away and I have been trying to communicate with CHIME for over a week There is no one available to speak directly to. Each email I receive is from a different " person '', various names. The email instructions are to upload death certificate and my ID which after SEVERAL " links '' sent I was FINALLY able to do. Additional instruction said to also provide address where you want any balance to go to AND it doesn't allow for you to provide! There has been no confirmation email sent so I have no idea IF it's being processed OR in limbo. The phone # associated with CHIMES was just as useless. I'm already dealing with stress and XXXX and at XXXX find this all too frustrating. I'm trying to do my best to put my sons affairs in order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: PENTAGON FEDERAL CREDIT UNION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, AR XXXX PenFed Credit Union XXXX XXXX XXXX XXXX, XXXX XXXX RE : Adverse Action Dear PenFed Credit Union , I, the consumer and natural person, was denied credit by PenFed Credit Union when I applied for a auto loan and checking account. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 
You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by PenFed Credit Union due to the response I received. 
PenFed Credit Union is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of PenFed Credit Union. 
If PenFed Credit Union fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make PenFed Credit Union criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 

Thank you, XXXX XXXX XXXX / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2022-11-22
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2022 at XXXX XXXX I called Equifax XXXX XXXX ) XXXX about incorrect inquiries on my report. Once on the phone I notified the customer service rep of my concerns and he placed me on hold. He then disconnected the call without explanation. I am confused and time has been wasted. I was also a part of the data breach and was affected negatively. I was denied credit, housing, and higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : 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 2019-12-31
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a debt validation letter to this company on XX/XX/2019, to validate, not to verify this debt they say I owe. This company never validated the debt and the response letter they sent me on XX/XX/2019, also they violated my HIPPA rights by sending me an invoice with the things listed they say I had been treated for but I never signed a HIPPA release form for my information to be shared with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: CONST LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX is a peer-to-peer lending platform that connects lenders and borrowers. The borrower provides a collateral as security in exchange for the loan by the lender, which covers the lender in case of a borrower default. The platform claims that all fixed-term loans are over-collateralized by cryptocurrencies anywhere between XXXX % and thus the lender is secure. 

On XX/XX/, XXXX paused all withdrawals of monies owed to lenders on the platform citing market turbulence and liquidity issues, without any warning. XXXX is now offering to only partially refund secured lenders after advertising such loans were fully secured by crypto collateral. In fact, some of loans on the platform have matured already, and they are neither returning the lenders ' loan monies nor the borrowers collateral. These loans are a contractual relationship between the lender and the borrower and the platform is committing fraud and theft by illegally holding on to user funds without our consent. 

As further evidence of dishonesty, they have deleted/removed their blog posts of information pertaining to their secured loan products and their support channels have largely been taken down, and the only remaining support channel - email support is vague and unhelpful in addressing this serious issue. This raises a reasonable suspicion of probable fraud and foul play behind the scenes within the company that involves misuse of customer funds. 


Persons/Businesses involved : XXXX XXXX XXXX XXXX XXXX/ ), legal name is CONST LLC ( California XXXX XXXX XXXX : XXXX ). 
The physical address is XXXX XXXX XXXX XXXX XXXX XXXX. 

The business is run principally by XXXX XXXX ( Founder ) and XXXX " XXXX '' XXXX ( XXXX ). 

XXXX XXXX has another business named XXXX XXXX XXXX XXXX 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: Untimely response
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: GA
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 previously disputed XXXXXXXX XXXX XXXX XXXX XXXXXXXX / XXXX # XXXX < with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted 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 2022-06-17
Company: Receivables Performance Management, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022, I switched my cell phone service from XXXX to XXXX. There were numerous issues with the service, including lack of cell phone service for two of the individuals on my account, and sporadic service for myself. I was in frequent contact with XX/XX/XXXXXX/XX/XXXX and they issued some credits for the problems I was experiencing. On XX/XX/2022, I switched back to XXXX. I received a final bill from XXXX XXXX which included charges for the entire month of XXXX. Additionally, I was charge {$120.00} for mobile internet service, which I did not order and which I never had. I was charged {$60.00} for tablet service, when it should have been {$10.00}. On XX/XX/2022 I contacted XXXX customer service and they promised a credit of {$230.00} to my bill. The credit was for the {$180.00} in erroneous charges and additionally, all service charges, so that I should have a XXXX balance. I never received that credit. XXXX billed my credit card. On XX/XX/XXXX I called XXXX twice. Both times, after explaining the issue, I was placed on hold for over and hour and then was disconnected. I contacted my credit card company and disputed the charge. On XX/XX/2022, XXXX sent a revised bill for the full amount ( {$230.00} ) PLUS they charged me {$30.00} for disputing the charge. On XX/XX/2022, I contacted XXXX again. This time the agent told me he would need to get a response from the previous customer service agent. From my conversation with him, I perceived there were no notes in my file as to the previous conversations. The agent promised to text me his first name and employee ID, which he never did. He promised to call back with a resolution, but he never did. I have taken every step that I can take to try and get this resolved. XXXX 's customer service number seems to be outsourced to another country and they consistently drop the calls. XXXX turned me over for collection, even though I have repeatedly tried to resolve this with them. I have even written to their corporate office but have not received a response.

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 2023-08-23
Company: Eagle Financial Services, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Eagle Loan Company of XXXX XXXX contacted me through a Lawyer, stating that I owe a debt from XXXX. I was sentenced to XXXX in XXXX XXXX XXXX and was XXXX from XXXX, but never received anything regarding this outstanding fee. I received a letter from XXXX XXXX XXXX in the XXXX  of XXXX, stating they are pressing charges against me and seeking a garnishment to satisfy this outstanding fee. I went to court, XXXX XXXX XXXX, and was approached by an Eagle Financial representative, to settle before seeing the judge. When the Rep called the office to report our agreement, they were unable to find my case. After going in front of the court with the agreement, I made a successful payment of {$300.00} for the month of XXXX. On XX/XX/XXXX, I was hurt at work and currently fighting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been off of work and not paid since XX/XX/XXXX and cant afford this settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, 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:
On XX/XX/XXXX I sent Equifax a factual dispute showing the inconsistencies in the account they were reporting. The date of delinquency was incorrect on my reports. The correct date of delinquency is XX/XX/XXXX. The accounts were showing XX/XX/XXXX. On XX/XX/XXXX I received a credit report stating this account had been verified. I sent the same letter to XXXX and XXXX. XXXX stated they were unable to verify the account and removed the account. In XX/XX/XXXX, I received notice from XXXX that they were unable to validate the account and the account was removed from my report. I also received notice from XXXX that the account was unable to be validated and the account was deleted from there as well. I send a follow up letter to Equifax on XX/XX/XXXX stating that inconsistencies were still being reported as well as proof of the date of delinquency from the creditor. As of XX/XX/XXXX, I still have not heard back from Equifax. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. If this is the case, then the account has never truly been verified by Equifax as it was deleted from XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: MS
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-03-25
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:
Dear Experian Information Solutions , Inc., there has been a Court order issued to you by the United States District Judge of the Southern District of Florida to forward a copy of this order to you due to the fact, you are a Defendant ( s ) in this case. Upon receipt of notice will serve as I, XXXX XXXX ( Plaintiff ) have complied with the instructions of the Order which is to forward a copy to ( Defendant ( XXXX ) ). In addition, you must comply with all the instructions of the order. See attachments. Best regards. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.

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 2023-03-03
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:
In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 USC 1681 Section 602 A , states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-17
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I sent by certified mail, a notarized affidavit to CITIBANK ( Citi ), requesting a verification of debt. The tracking number is XXXX as of XX/XX/2022 this tracking number shows still in transit and the last date of movement per USPS tracking was XX/XX/2022 and displays will arrive late ( Screenshot will be provided below ). Even though it appears that this certified mail is still in transit, somehow I receive a response from CITIBANK ( Citi ) dated XX/XX/2022. This is extremely odd since I requested a return receipt and there is no record of anyone signing for this correspondence. In this letter dated XX/XX/2022, my verification request is completely ignored ; nothing I requested is provided and the letter is not signed, but a typed name ( possibly computer generated ) is provided as XXXX XXXX-Vice President-Citibank, N.A. I don't know what kind of possibly fraudulent activity is involved in order to receive a correspondence and not sign for it, so that there is no record of anyone signing for it. I paid for a return receipt and have been bilked out of this due to what appears to be dubious activity on the of CITIBANK ( Citi ) representatives. On a separate and possibly unrelated issue because it may be spam, I have also received strange spam text messages in the past few months that claim to be from CITIBANK ( Citi ) about suspicious activity, verify your identity, withholding card services etc ... ( will provide screenshots below ).

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 2023-11-26
Company: ADP Inc.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I noticed unauthorized transactions via multiple atm machines. I called my bank, Wisely, disputing the charges. They first accused me of lying then offered to start an investigation. They claimed they could not reimburse my funds and Ill have to wait 90 days for the investigation before I could see any money. They are FDIC insured, according to my local PD, I should have been given my money back. Every time I call for a status update, I get told to be patient and theyre no updates to disclose. It took my local PD less than 2 days to start and finish their investigation, concluding its fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
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:
In early XXXX I received a notification from XXXX XXXX XXXX that Bank of America had changed my address to the business address of their XXXX  XXXX XXXX. 

I was unable to dispute this matter directly with XXXX because they stated it came from a verified and trusted partner and financial institution and they named Bank of America as the source of this illegal activity.. 

On XX/XX/2022 the Bank of America Corporate office was mailed via Certified Mail and XXXX, XXXX and XXXX were mailed via XXXX XXXX XXXX Mail a letter on my behalf from XXXX XXXX 's XXXX XXXX XXXX, Attorney for the firm requesting Bank of America and all Credit Bureaus correct this illegal, improper and incorrect activity to no avail. See Exhibit 1 ).

To date there has been no response and no correction from any of the credit bureaus nor Bank of America. 

Previous to this latest illegal activity on XX/XX/2022 Bank of America was sent via XXXX XXXX XXXX XXXX XXXX Mail a Notice to Cease and Desist Demand due to an illegal debt collection activity where they retained XXXX XXXX XXXX. ( See Exhibit 2 ). 

Today is XX/XX/2022 and there has been no effort made by Bank of America to delete this illegal, improper and incorrect address with XXXX or any other credit bureau. ( See Exhibit 3 ). 

I demand Bank of America immediately cease and desist all illegal debt collection practices against me and delete this address change with XXXX, XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation