BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: Affirm Holdings, Inc
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called Affirm customer care 3 weeks ago regarding my account payments after experiencing weeks of email and phone call harassment where Affirm and it's hired local debt collector was threatening to report my payments history to the credit reporting agencies. I received constant phones calls and emails at all hours during my work hours, evening and sleep causing me additional emotional distress and mental anguish. I am XXXX  and a XXXX veteran and communicated financial hardship to Affirm as my vehicle just got totaled and I was waiting on my settlement check from the insurance. I was told by a rep that my all XXXX of my Affirm loans would be placed in deferment and I would be okay. On XX/XX/15 I logged onto my credit reports and saw that Affirm has reported me as 30 days delinquent on three loan accounts to the credit reporting agencies severely damaging my credit score and reputation by XXXX points. I am not unable to get a car loan to get another vehicle which is adding on to my growing emotional distress. I need a car to get to call my medical appointments. I called Affirm on XX/XX/15 and spoke to a supervisor named XXXX who stated the previous rep had misinformed me on their reporting and financial hardship policy and that Affirm 's aggressive debt collection tactics and threats to report me to credit reporting agencies were legal and " what has to happen. '' XXXX also stated Affirm was unable to remove the accounts from my consumer report even though it was Affirm that followed through on their threat and reported the accounts to the credit reporting agencies. XXXX refused to provide me with his Supervisor or a legal/ consumer compliance advocate contact information and stated there was nothing he could do beyond deterring XXXX affirm accounts versus the XXXX account deferral I was told I would have prior to being reported. Affirm 's abusive debt collection actions have caused several direct violations of the FDCPA and Affirm should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
EQUIFAX IS VIOLATING MY FCRA RIGHTS FOR ALLOWING THIS ACCOUNT TO CONTINUE REPORTING ON MY CREDIT REPORT. XXXX XXXX XXXX THIS ACCOUNT HAS BEEN CHANGED MULTIPLE TIMES, DUE TO MULTIPLE REPORTING ERRORS. THE FCRA CLEARLY MENTIONS ALL INCORRECT ACCOUNTS BEING REPORTED MUST BE REMOVED. THE FOLLOWING ACCOUNTS ARE BEING REPORTED INCORRECTLY AGAIN AND MUST BE REMOVED : XXXX XXXX XXXX {$0.00} EQUIFAX CHANGED THE INFORMATION MULTIPLE TIMES AND IT IS STILL NOT CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 FAIR COLLECTIONS & O. Equifax Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reaD. 
They never verify. I did send them letters they didnt respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: Hiday & Ricke, P.A.
State: FL
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:
On XX/XX/XXXX a judgment was issued against me for a debt less than or equal to {$8000.00}. I was not aware of this debt nor of the original court date. I have asked via calls and for proof of this debt and was never shown proof. On XX/XX/XXXX, I wrote an email to the latest assignee of the Debt, Hiday & Ricke, P.A., out of XXXX a letter to show proof or cease contact as they have placed holds on my accounts and taken them to a negative balance and the have not complied. In that letter, I advised them that for any further collection or contact without proof, I would contact the Consumer Financial Protection Bureau and the Florida Attorney Generals office. I have since received another summons to appear in court on XX/XX/XXXX. In Florida, the " Statute of Limitations on Debt Collection in Florida '' for a judgment, 20 years have passed, and they are still harassing me ( Florida Statutes Section 55.081 ). I can provide the letter I sent them and the email back in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My name is XXXX XXXX and Ive been dealing with US BANK for 3 months about my money thats sitting in the account and havent been closed yet. Which I contacted them the first time stating to close the account and they replied they closed it XX/XX/2021 which its now XX/XX/XXXX and the money is still in the account. Im tired of the lies with us bank send the money back and close the account. Yall see the name and social doesnt match the name on the account so why not send it back? It shouldnt even have been accepted because the account was suppose to be closed in XXXX but someone claim I told them to keep it open when I never talk to us bank STOP LYING US BANK AND ACTUALLY CLOSED THE ACCOUNT AND SEND THE MONEY BACK THATS MY WIFE CHECK AND WE REALLY NEED IT I DONT WANT TO TAKE THIS FURTHER THAN IT SHOULD BE JUST CLOSED THE ACCOUNT ENDING XXXX and send the funds back! ITS NOT YALLS AND IT AINT MINES EITHER SO SEND IT BACK! I was told it closed on XX/XX/XXXX and I call customer services and find out they still have it pending for closing so Us bank is a liar

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 2023-04-07
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Over the past 2-3years, I have been denied P2P service of PayPal Inc . I submitted several complaints regarding this company yet nothing is getting done. This year I recently try to get my account activated again so that I can send payment out to a merchant who only takes funds to PayPal. I contacted Paypal through another complaint and PayPal Executive Team got back to me claiming that I can pay off the negative balance that was sent to various collections agencies with no tracking system. Now that Im readily available to process payment to PayPal collection agency since the debt was brought back, a collection service rep told the debt has been forgiven since its been way past due. He advised me to reopen a new PayPal account with a different email and transferred me to Customer Service Dept to get that request done. Somehow customer service does not see any debt forgiven and transferred me back to Collection Dept. So this process of getting a new account is stuck in limbo. Please have an Executive Team Member stay on the phone with me and fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to report an incorrect address listed on my credit report. The address in question does not belong to me and is inaccurately linked to my credit profile. This error could potentially impact my creditworthiness and cause inconvenience when applying for credit or other financial services. I kindly request the CFPB 's assistance in investigating and resolving this issue promptly. I have attached supporting documents, such as proof of my current address, to help facilitate the correction process. Please let me know if any additional information is required. Thank you for your attention to this matter. Addresses are listed below. 
XXXXXXXX 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 response to consumer: In progress
Consumer complaint received 2023-06-16
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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2023-08-17
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was disputed on XX/XX/XXXX with the CFPB and deleted from my credit report on XX/XX/XXXX due to it being a result of fraud identity theft. The dispute result stated that item would not be reported by the reporting agency I.C. System, Inc, however, the same agency reported the item on XX/XX/XXXX three months later, violating the agreement and going against the ruling of the CFPB. 

This account was re-reported to my credit report on XX/XX/XXXX. As a result I was denied on my rental application the same day that I applied which was XX/XX/XXXX. At this point this account has caused enough problems after Ive already proven that it is not mine. 

This account and debt do NOT belong to me and are a result of identity theft! There are many inaccuracies in the information on the account in question. My name, the account was used at an address that I have never lived in or been associated with, the email address on file does not belong to me, and I have not physically lived in XXXX or rented or owned an apartment or home since XXXX. I have NEVER had any services with 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 2021-07-25
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I decided on XX/XX/2021 to close 2 accounts at Citibank due to their unavailability on the telephone ( I have an online account ) and their representatives ' consistent inability to help me ( if I ever got one on the phone after repeated calls and wait times in excess of 20 minutes. ) I called, was put on hold for 23 minutes, then a representative named XXXX told me to simply withdraw or transfer the money in the account to XXXX. He said the account would automatically be closed in 30 days. Since then they have been charging fees on the accounts, and have been robo-calling, emailing and texting relentlessly to collect these charges on a " closed '' account. All this for about {$65.00}. 
Today ( XX/XX/2021 - Sunday! ) they called again and I decided to try to get this resolved. I was again put on hold and finally transferred to someone in the customer " service '' department named XXXX. I told him what happened and he tried to sell me on more accounts and became very adversarial and argumentative when I told him I was not willing to wait on hold indefinitely. I ended up hanging up on him.

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 monetary relief
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: KS
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 has an inquiry passed on that should be taken out or blocked. Per FCRA segment 605, Equifax and XXXX Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Equifax and XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/2022 XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: MD
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXXXXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Presto Loan Center, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The title loan account was opened in XX/XX/2015 the company did not disclose that they were reporting payments to the credit bureaus, this was optional at that time according to the advertisements, the employee at the store made this determination on my behalf without consent. They are a predatory lender with a much higher interest rate than advertised. They violated TILA, falsely advertised, and represented rates making it impossible to meet the terms as a consumer. They tried to keep the vehicle as it was in their possession from the time the loan was in place. The loan defaulted, once defaulted we paid the loan in full plus any fees they charged. These fees were never provided upfront or officially disclosed in any documentation, it had to be what they said we needed to pay plus storage fees and other bogus fees. Presto would not give us the location of the vehicle after payment, we had to go to several local warehouses to try and locate the vehicle on our own with little to no cooperation. This company takes advantage of consumers. I have disputed Presto 's credit reporting practices over the last 3 years countless times and they continue to falsely report when they were not authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I've been a long-term customer of Bank of America.

My bills have always been paid AUTOMATICALLY each month with recurring payments.

Due to a problem with Bank of America 's website, the automatic payments wasn't deducted in XXXX XXXX. 
I received a letter from Bank of America in XXXX XXXX about the past due balance and I immediately resolved it. I spoke to Bank of Americas TWICE - both times they apologized and said they would submit a correction to the credit bureaus. 
In early XXXX XXXX, I noticed that the credit bureaus were still showing " LATE 30 DAYS ''. I called Bank of America and the rep suggested I write a letter which I did ( see attached ).

Bank of America has refused to FIX THEIR ERROR. It's very upsetting as I have a perfect credit report other than this ERROR.

Thanks for your help. 
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 monetary relief
Consumer complaint received 2023-06-30
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
State: TN
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:
Under 15 usc 1681a2 of the fcra lending companies are supposed to have my written consent as me giving my approval to pull my credit file which I never have done so there has been multiple companies who have illegally obtained my credit report and this has caused me issues obtaining credits and have left so many inquiries on my credit profile it is hurting not only my score but my profile and my ability to use my credit properly I'm asking for these hard inquiries to be removed the only inquiries that belong on my credit reports are from accounts that I have opened myself I have not given any such permission so if these companies say they had permission I'm requesting by law written proof with my signature mailed to me if this can not be done any and all inquiries must be removed by law listed below are the credit card or loan companies date of inquiry and a list of their names thank you for your Swift and decisive action as I have been dealing with this for over 2 years now I also have sent an FTC reports multiple times and done everything I was asked to do and these credit bureaus have yet to do what they're supposed to do by law aside from XXXX they were the only ones to remove fraudulent inquiries however this issue is for XXXX and Equifax companies are listed below XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please make sure every one of these are removed and if you find their legitimate I'm requesting the proof with my signature on a contractual agreement mailed to me as per the law states if this proof can not be submitted they must all be removed thank you and I hope this is handled in a timely fashion as it has already been 2 years since I've been starting to deal with these as they have came up I am only asking for my rights to be legally followed as the law states so if there is no proof mail to me these need to be deleted if not this will be a flagrant violation at the fcra and these companies will be fine {$1000.00} per violation as the law states that I wish would be paid to me as I am the victim of this nonsense thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian does not investigate any disputes I inquired about. They took 24 hours or less to tell me that they are done in investigating when they havent done anything. They also have XXXX XXXX credit card on my credit report twice and this is why my score is significantly lower than the other two bureaus. They also did not contact XXXX. I put in a dispute to have all delinquency and/or late payments removed because I have never been late and they failed to investigate that as well. I spoke with a representative yesterday regarding my deliquencys on my credit report and she told me to file it with Experian and they will provide them with information stating that I have no deliquencys in which I did and guess what? Experian didn't even contact that. I was able to dispute the account after 4 hours and no update on my credit 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 explanation