BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-18
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I have sent letters to the credit bureaus in regards to inaccurate and false accounts and inquiries that was and is being reported to my credit report. I am being taken advantage of and ignored. The consumer laws says that failure to investigate these items within XXXX days, gives a reason to immediately remove those items from my credit report. It has been over XXXX days. The accounts being disputed should be deleted now. I demand the accounts be deleted immediately or i will file for litigation due to the stress these fraudulant items have caused me with no help from the credit bureaus. My personal information was impacted by the equifax and XXXX XXXX XXXXXXXX data breach as well as my personal information stolen from my personal possession in XXXX. 

These accounts are adversly affecting my credit report and hindering me from maintaining an accurate report and from obtaining credit. I have filed complaints with the XXXX XXXX XXXX and XXXX XXXX XXXX  due to these fraudulent accounts becaus I have no knowledge of the accounts. I refuse to keep sending in letter to be told that I am not my self even though I am sending in my License, social security card and a utility bill providing sufficient identity verification AND I have called numerous times in regards to not receiving update to the letters sent! I will not wait another XXXX days to hope a response/update will come.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: National Credit Systems,Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received a call from a Mrs. XXXX who stated I owed a certain amount for a recent dispute with a former landlord. She said she was collecting a debt, I asked for a fax number as I wanted to validate the amount of the debt as it sounded inflated. She stated NCS doesn't have a fax number, so I asked for a mailing address which she provided me a P O Box. I asked for a mailing address to overnight the dispute but she failed to provide me the proper information so as I may dispute the amount in question. Further, her tactics on the phone were bullying and stalling and placing me on hold without my consent. I am complaining about the tactics being utilized of putting me on hold without asking, taking extended hold times, not providing me the proper information to accurately and confidently request a validation of the debt, not providing me the proper channels to request the validation and to feel comfortable that the information would be provided is accurate. I am not certain if the phone call was recorded or not but it was never explained to me that it was, which I would always forbid and would not take a call that was recorded. I told Mrs. XXXX since there was no fax or mailing address that I would request verbally to have the calls stop but she just stopped talking and put me on hold. I later explained to her that this was something in dispute because the company didn't preform any maintenance that was satisfactorily completed, for the entire time I lived in the apartment, even though I have arthritic knees and needed to have the dishwasher working, it didn't work for over 2 years. She had no interest in helping me validate this debt but just wanted to give me a P.O.Box and no other information when it comes to being able to adequately validate this debt. I would encourage the CFPB to call this company and take a sample of how their operators act and talk on the phone and you will immediately see the bullying tactics being used to try and collect debts that are not being properly validated when in dispute. Further, during the call, no information was provided to me to help me navigate the debt in question, no account numbers, tracking numbers, etc. I have no idea what these people are talking about other than it was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Sentry Credit, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The balance in question was paid in full, and on time, The company is saying, I have an outstanding balance of XXXX from XXXXXXXX XXXX in XXXX Washington. The property owners are XXXX XXXX. I just received notification from a collection agency saying that it is unpaid. I paid that amount on XX/XX/XXXX by check to the property manager. The check has cleared. I have spoken with them previously about this and I assumed it was resolved. I have requested a copy of the canceled check from my bank.

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 2021-09-21
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for a Southwest Rapid Rewards Visa through Chase Bank. I applied because, even though there is a {$69.00} annual fee, there was a promotion providing {$200.00} statement credit on the first flight purchased and I was in the middle of booking tickets to see my grandson for his birthday. I applied, got approved, and the pop-up advised that the card was linked to my Southwest account for immediate use. The card information was present, but the purchase was continuously declined because I was missing information. The Southwest account identified that the 3 digit security code from the back of the card was missing. After numerous attempts to contact Southwest and Chase, I was ultimately transferred to Chase from Southwest customer service. Chase advised that my only option is to wait 7-10 business days for the card, to then make the purchase, at which time the fares would change, or use a different card, which would negate the reason for applying and result in a loss of the statement credit. I requested for the card to be expedited. Representative XXXX advised that Chase does not expedite credit card issuance, contrary to what research suggests. XXXX advised that the only assistance that could be provided is to close the account or wait for issuance. I elected to close the account, but as this is a known Chase/Southwest  issue , dating back over 4 years, this should be investigated, as I and others view this as a bait-and-switch tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
1. Home depot merchandise was not properly delivered to the correct address at the time and place specified as required, nor was that merchandise in a proper condition ; as a result I as buyer incurred additional expenses costs and labor.

2. Credit ( Citi Financial and merchant Home Depot failed to resolve the buyers disputes and grievances related to all charges credit interest etc of the account involved by clear concise means as their accounting was convoluted, improper, redundant unclear unverifiable, and prone to error. 
3. Merchant Home Depot erroneously claimed the buyer customer signed a receipt for building material 4. Said construction materials were dropped off by curbside delivery in front of someone else 's property ( not buyers ) without any documentation attached. 
4. In a period ( XX/XX/2020 to present XX/XX/2020 ) Merchant failed to return to that merchandise 's location to verify proper delivery of said merchandise nor to properly move it to the correct location nor check its condition. 
5. Merchant Home Depot and its agent Citi Financial Credit Services consorted in collusion to  Company confound aggravate obstruct and harassed the buyer seeking resolution of these and other issues over a period of time from XX/XX/2020 to XX/XX/2020. 
5. Citi Financial Services and Home Depot act in tandem as conspirators and agents not as independent parties and said parties intrinsically do not act as responsible parties that objectively respond to customer complaints as they act to cheat customers by charging them and not resolving their issues wit the merchant.

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 2021-03-31
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:
XXXX XXXX is showing that I was late on the months of 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have wrote to them to request proof of this late payments no proof was given. 
I think there has been a mistake with someone else because I have not been late on my account on those months. 

I wrote to XXXX XXXX via XXXX and they're stating that the minimum payments due for those months was not received which is also a lie I have always made my payment on time on my account and pay more than the minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Bank of America has offered promotions and upon calling a representative for details I have been misinformed on multiple occasions resulting in a delinquent account. They have apologized that they provided the wrong information but are not willing to correct their errors.

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 2022-03-28
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: Information belongs to someone else

Complaint:
I have previously disputed with transunion, XXXX and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2020-03-21
Company: EQUIFAX, INC.
State: NC
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 previously filed a dispute with you and Equifax in regards to a XXXX   XXXX account account reporting as a charge off auto loan on my credit report ... Equifax responded saying they had corrected the error however my credit score dropped XXXX points and when I reviewed the account it showed the account status ad 120 days past due and 4 or more payments past due but in the description it showed XXXX balance how can it be 120 days past due and XXXX balance this does make any sense I have provided proof from XXXX XXXX that the account was paid in full I received the title for the vehicle in question please correct my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have previously disputed with XXXX, XXXX  and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 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 account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have previously disputed with XXXX, experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-28
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Support Team, I am writing to appeal the permanent limitation placed on my PayPal account. I strongly believe that this limitation was a mistake, and I respectfully request that you re-investigate my case and restore my account. 

To begin, I want to emphasize that I have not violated any PayPal policy. I have always adhered to the terms and conditions of PayPal, and I have conducted all my transactions with the utmost integrity and honesty. 

I am extremely disappointed and frustrated with this situation, as PayPal has been a trusted platform for me to carry out my financial transactions for a long time. I can not think of any reason why my account would be permanently limited. 

I kindly request that you re-examine my account activity thoroughly and consider any additional information or documentation that I can provide to support my claim. I am confident that upon review, you will see that the limitation on my account was placed in error. 

If it is possible, I would greatly appreciate it if my account can be reinstated. I have always been a loyal PayPal customer, and I am willing to take any necessary steps to resolve any outstanding issues that may have arisen. 

For your reference, the email address associated with my account is XXXX. 

Thank you for your time and attention to this matter. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Diversified Adjustment Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I filed a Chapter XXXX bankruptcy for 36/60 months. I canceled my service with XXXX and returned all the equipment back to them. Since the cancelation, I have received a collection notice from numerous collection agencies and each time I dispute and verified that I am in Chapter XXXX and returned all leased equipment ( I still have my original Drop-off package receipt from returning the equipment. ) In XX/XX/XXXX a new creditor named Diversified Adjustment Service , Inc. reported {$1100.00} on my credit report without any notification of an attempt to collect. XXXX received its equipment and sold this debt before verifying, that debt collector verified but still sold the debt and now we have this collection agency purchasing a fake debt and instead of verifying just put a derogatory marks on my credit report ; while I'm still in Chapter XXXX bankruptcy. I would like to be clear, the amount is for the leased equipment and not for early termination. I open the account with a XXXX in XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation