BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-25
Company: Affirm Holdings, Inc
State: TX
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:
On XX/XX/2021, I applied through Affirm to make a purchase of a " XXXX XXXX XXXX XXXX Multi Purprocess Welder  XXXX XXXX XXXX on we website of the Store XXXX. '' That same day I received an email where I was approved for the amount of XXXX for the item I purchased. 
From that moment I did not receive any confirmation from the store XXXX XXXX or any other information stating that the product was purchased or confirmed. On XX/XX/XXXX, I made my first payment to Affirm of XXXX where they were charging me for the machine. Before this I was never informed that the purchase was even made. I made the payment and contacted Affirm, in order to investigate more information due to me not having received any item. They explained to me how this process would go and was advised to contact XXXX . I contacted XXXX XXXX, one of the gentleman I spoke with stated he had no information, no receipts or confirmation of any purchased made. I then contacted Affirm once again and informed them was I was told. I have not received any product and the store was stating they did not even have any of my information. I contacted XXXX XXXX  for a second time, I spoke with a different representative and was told they had shipped the item already more than 40 days ago. The address that XXXX XXXX provided was a different address, that I never provided them with. I informed them that that was address was incorrect and that I have still not received any item, yet I am already making payments to it. I contacted Affirm once again and explained the situation. I explained how they did not have a correct address and that it was shipped already. Affirm advised that I visit the address they had on file and try and retrieve the machine. I visited the incorrect address they provided and spoke with a gentleman. He stated he had not receive anything and that if he had he would of taken it to the post office as return to sender. I contacted Affirm once again, and a dispute was made towards XXXX XXXX  due to not receiving the product. I informed Affirm that I would no longer be making any payment until I receive the bough item. The dispute was made and after the 30 days of waiting for a response XXXX XXXX won de case. They stated I had lack of evidence or any other information. I tried explaining that I cant show any receipts or evidence because I never received receipts, confirmations or any thing else. Now, I just receive bills from Affirm where I have not continued paying until I receive my product.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion is continuing to report inaccurate information on my credit report. I have sent letters and complaints informing them that the account XXXX XXXX has the wrong payment information. Their only response was that they needed to verify my identity. I believe that this was a stall tactic, but I provided my proof of identity via mail and still nothing. The account was deferred during COVID and should not be reporting any late payments. Please understand that you are at fault for reporting incorrect information and according to many violations of the FCRA I can take this to small claims court. At this time, I am only asking for the late payments to be removed. There was never an investigation done on this 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 2022-07-13
Company: EQUIFAX, INC.
State: HI
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 am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX section XXXX A. XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern : The information you see above is my most current personal information per FCRA and Metro 2 compliance reporting standards. If what you have on file for me doesn't match what's listed, there are problems with either your records or those who provide them for verification purposes. My profile must be accurate and thorough in order to comply with FCRA and Metro 2 compliance regulations. You must furnish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Unresolved Access Issues with Citibusiness Credit Card Account I am writing to express my deep concern and disappointment regarding the prolonged denial of access to my Citibusiness credit card online account. Regrettably, this issue persisted for over 30 days, rendering me unable to make timely online payments. 

Upon realizing the situation, I promptly contacted the customer service helpline in an attempt to rectify the problem. However, the representative I spoke with declined to process my payment and advised me to call back the following day. Subsequently, I followed their suggestion only to be instructed to call again on Monday. The frustrating cycle continued until I was eventually granted permission to make a payment on Monday. 

Additionally, I was informed that Citibusiness was undergoing a transition to another credit card, resulting in my inability to view my charges, access my account online, or make any payments. I must express my profound disappointment with this predicament, as I have yet to gain access to my account despite the considerable time that has passed. Such actions on the part of Citibusiness do not align with the standards I would expect from a valued business partner. 

It is essential for me to have access to accurate and up-to-date information regarding my account for financial planning and record-keeping purposes. 

Citibusiness did not take care of me, or my account. 

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
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I recently disputed multiple inaccurate and unknown accounts on my credit report which never got deleted after this company 's questionable investigation. I am providing clear evidence these accounts are inaccurate and must be removed according to the FCRA. I am very frustrated these accounts didn't get deleted the first time so I am attaching clear proof of the inconsistent information. I am filing a complaint with you guys to make sure that they follow the law and remove these inaccurate accounts. I will not accept a computer generated response. I demand these accounts be removed or I will file for litigation. This is hurting my name. 

The following accounts are : XXXX. XXXX Acct # : XXXX This account is not mine and it clearly says purchased by another lender which is illegal. Remove ASAP XXXX. XXXX XXXX XXXX Acct # : XXXX This account is not mine. It says that it meets FCRA requirements but I am attaching proof that it clearly doesn't. It is not reporting 100 % accurate information. 

XXXX. XXXX XXXX Acct # : XXXX This account is not meeting FCRA requirements and must be removed according to law. 

XXXX. XXXX XXXX Acct # : XXXX Please remove this inaccurate account from my report.

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 2023-05-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report with Equifax to remove all inaccurate information that is hurting my credit report. please review an remove all data that is hindering my file. this has been an issue that is hurting my file. all data is not valid on all 3 credit reports. delete all information filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX 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 an account without my written instructions To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act which it said by law, I have rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXXAccount Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX  XXXX Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to the address I put on the form area. 
Thank you for your time and help in this matter. 
Sincerely, 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 explanation
Consumer complaint received 2022-05-30
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a number of incorrect factors being reported on my credit report. Student loans are reflecting information that shouldn't be. Please verify data on each. I've disputed several times and it keeps coming back, by credit reporting agencies that the information on my credit report is verified. I know this is not accurate and would like a verfication and removal from credit report. Of course I could list all consumer protection codes/laws that protect me and my credit profile from this wrong data, but you already know each one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I never opted in to have my information sold by Transunion. I do not have a member account with them and did not know I needed to " opt out '' of having reported information sold to third parties. Late last week, I applied for a mortgage through one lender who I submitted an application to and gave permission to run my credit. 

This morning I was woken up at XXXX by a lender I never contacted cold calling me trying to sell me a mortgage. It's now XXXX and I have received over 35 phone calls and 3 text messages from different lenders- one of who let it slip that they received " my inquiry '' from Transunion . 

I have gone onto the Transunion website and found the section that allows me to opt out of communications and have opted out of all selling of my information. Interestingly, I don't need an account to " opt out, '' which indicates to me that no one is actually " opting in '' to this information sharing. 

It it ludicrous that Transunion can get away with selling information that I have not given them permission to sell.

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 2022-11-01
Company: EQUIFAX, INC.
State: CO
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:
Equifax, XXXX, XXXX XXXX, and XXXX are proposing the account details of my XXXX  XXXX bankruptcy, in addition they are reporting the XXXX XXXX car agreement with XXXX XXXX as not paid off. I paid off the vehicle and am in good standing with XXXX XXXX. 

Please, fix these two issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern : According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports which is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau. 

Below is a summary of the data in which I am challenging : XXXX XXXXXXXX You must remove any name in your system which does not match the first and last names listed on this letter. My only name is 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 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : { XXXX XXXX XXXX/XXXX/XXXX } { XXXX XXXX XX/XX/XXXX } { XXXX  XX/XX/XXXX } I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2016-12-28
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
File chapter XXXX 0n XX/XX/2016. At the time this debt was created my dental insurance paid more than absolute dental claimed I owe. 
I claimed this debt on my chapter XXXX bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Pan Am Collections, Inc.
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was not paid but there is no actual debt. XXXX and XXXX both removed it from my credit report a few weeks after it was added because they said it was not a valid debt. The vehicle was not financed it did not have any loan it was through a car lot that my uncle worked at a XXXX and the car was a piece of junk and given them back to them. They continue to call me daily and tell me that they do n't care if I do n't feel like I owe and they do n't care if it was removed from my credit report but it is still a debt I owe

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief