BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-20
Company: EQUIFAX, INC.
State: TX
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 did not consent to or authorize or benefit from any of the following inquiries, nor did I consent to these being shared by a XXXX party affiliate XXXX, please remove the following within XXXX business days upon receipt to avoid any further legal proceedings, thank you! Texas XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. 

My only employer is XXXX XXXX XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: OLIPHANT FINANCIAL, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notice that I am being sued for a debt with XXXX XXXX, closed in XXXX. I received a letter from their collection agency Oliphant Financial. I sent a letter disputing the debt dated XX/XX/XXXX. I NEVER received validation of this debt until I received the Summons from the court. I NEVER received ANY information regarding the original creditor from this company, NOR from the attorney 's. The collection agency and the Attorney 's XXXX XXXX XXXX, FAILED to follow the correct protocol before suing me for this debt with the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: AFNI INC.
State: OR
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:
I received a faulty telephone device from the company and when I tried to return the device I was informed I needed to return it to the manufacture and that I would be without a phone during this time I at the time could not be without a phone. I then went to another provider and received service I do n't feel that I should be responsible for payment on a defective device

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are incorrect addresses being reported on my consumer report. 

There should be only one legal name that should be reported on my consumer report. 

There should only be one phone number being reported on my consumer 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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The uncertain accounts listed below continue to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the credit bureau on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance Owed : {$630.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$1400.00} ; XXXX  XXXX Balance Owed : {$19000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$4000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26
Company: EQUIFAX, INC.
State: WI
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:
There was an account that someone opened in my name with XXXX XXXX XXXX, I believe it was an ex girlfriend. I did not authorize it, charge on it or had any knowledge about it. I have disputed with the bureaus but yet it keeps reporting. I do n't know where else to turn so I am hoping your company can assist me. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Bull City Financial Solutions, Inc
State: WV
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 in Accordance with the FCRA this creditor has violated my rights under Section USC 1681 Sections602 i have a right to privacy 15 usc 1681 Section 604 A consumer agency may not report an account with out my written instruction 166B a consumer ca not treat a credit card account as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Affirm Holdings, Inc
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I received a New Account Opening with Affirm Inc. for XXXX XXXX but I have two accounts w them ( and they require a soft pull only ), one for {$93.00} at XXXX, and one for {$100.00} at XXXX. Neither are for {$72.00}, and both accounts are paid in full. This should not only NOT appear in my credit report, but is also incorrect and might be a wrong name or other factor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Dear XXXX XXXX Complaints, I have been waiting for almost 6 months for Citi Card to resolve my disputes with XXXX XXXX, initiated on XXXX. There are 5 disputes in all, regarding the same installation dispute. Oddly Citi was able to resolve two in my favor -- D # XXXX for {$300.00} and XXXX for {$60.00} -- but the last 3 remain stuck " in progress. '' I am very confused why, with the same extensive documentation, expert opinion and clear proof that smaller cabinets were installed than what I agreed to pay for, that these last 3 disputes remain unresolved ; D # XXXX for {$1000.00} ; D # XXXX for {$1200.00}, and D # XXXX for {$240.00}. XXXX XXXX will not respond, and neither will Citi. 

During this dispute process, Citi has lost documentation, closed some of the disputes for taking too long to submit evidence ( really? ) after I sent and resent all requested documentation numerous times in numerous ways -- and then reopened the cases after hours on the phone in protest. Despite 8 phone calls, I can get no closer to a full resolution. 

I have included many attachments below that show the time lines, along with all of the proof that I have submitted to Citi regarding Closet World 's failure to install what our contract stipulated, and a letter I sent requesting that all the documentation I sent be applied to all of the open disputes. 

Thank you, I truly hope you can help me.

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 2019-09-11
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Date XX/XX/XXXX Amount XXXX I am just recently seeing this false statements on my credit as I was trying to get things done and noticed this has effected my life my family and stress level is through the roof. 

Date XX/XX/XXXX Amount XXXX Date XX/XX/XXXX Amount XXXX This has really been a lot on me and I'm asking for this to be removed off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX XXXX, XXXX, I made the complain on the Consumer Finance website XXXX, today, I got a response from Transunion and they have not removed the false debt collections from medical finance. I have sent explanation of benefits and I have sent this complaint on Transunion website with no success. I do not owe this debt and it must be removed from my creditfile.

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 2021-11-19
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Penfed advertises a XXXX auto loan rate for 60 months for new cars. The steps are you must use there auto buying service and buy a new car plus have good credit. I followed the steps they ran my credit and they offered me a XXXX rate at 72 months when I asked for 60 months. That rate is higher then advertised and higher what I was able to get at another bank of XXXX for 60 months. My credit score is XXXX with no late payments yet Penfed couldnt disclose why I dont qualify for XXXX rate. I believe they are bait and switching by offering a rate they dont actually have or plan to give.

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 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX Account XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is not reporting. Resolve it. I don't recall this DATE OF BIRTH being correct. Resolve it. CURRENT ADDRESS is not reporting correctly. I need action to be taken to fix the reported issue. PREVIOUS ADDRESS is not reportng correctly. It needs to be resolved quickly. I don't recall this employee being correct, The date should be 100 pecent correct and complete. ACCOUNTS : XXXX XXXX  XXXX IS INACCURATE IT DOES NOT MATCH 100 PERCENT WITH OTHER BUREAU REPORTS. INVESTIGATE AND DELETE. XXXX XXXX XXXXXXXX TRADELINE is INCORRECT. According to ftc says you must investigate. In compliance with 611 of the ( FCRA ), which requires bureaus to investigate. I sincerely appreciate your consideration of this isssue and the careful work you put into settling conflcits like this one. I'm looking forward to hearing from you as soon as possible and seeing this these errors corrected.

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 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I had two hard inquiries on my credit report from 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 non-monetary relief
Consumer complaint received 2020-09-15
Company: PENTAGON FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Applied for debit card w open checking acct. on XX/XX/XXXX, XXXX.Have sent over ten notices to pen-fed cu telling them about the missing debit card, still no debit card or response. I need to use this card for purchases & should have recvd it some 3 1/2 months ago. Also I needed to make 5 purchases w it within 90 days for their bonus offer. Which will now to be extended another 90 days, once I recv the missing card

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 2021-11-19
Company: SN SERVICING CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage servicer, SN Servicing Corporation, specifically its employee, XXXX XXXX, has intentionally and purposely obstructed and delayed my application for hardship relief due to COVID-19. On XX/XX/2021, I submitted a hardship application via email advising my mortgage servicer, SN Servicing Corporation, that I was temporarily unable to make my payments due to a delay in starting a new job. The submission was sent to asset manager, XXXX XXXX, who responded to me on XX/XX/2021 advising that the company would defer my XXXX  mortgage payment and requesting that I set up a payment plan for XXXX. On XX/XX/2021, I sent an email to XXXX XXXX asking for relief through XXXX. XXXX XXXX responded to my email on XX/XX/2021, stating that " the investor is not offering to defer nor forbear any payments, which is why neither is being offered. '' This statement was a complete contradiction to the XX/XX/2021 email, in which I was advised that the XXXX  payment would be deferred. On XX/XX/2021, I sent a reply to XXXX XXXX expressing my confusion and concern from this contradiction. On the same day, XXXX XXXX, an employee of SN Servicing Corporation, whom I've never met and only learned of upon submission of my hardship application, sent an email personally attacking me and completely failing to address the discrepancy of her statements or the issue overall. Due to XXXX XXXX failure to address the issue at hand, I remained unclear of whether I would be receiving a deferral or if the offer was rescinded. The same day, I sent an email re-explaining my confusion and asking for clarification, also informing XXXX XXXX that her email was out of line and unprofessional. Again, XXXX XXXX replied in an unprofessional manner, continuing to make my request a personal matter, making personal attacks and failing to give me clarity. She, again, failed to address the reason why I contacted her which was to seek relief until I began earning an income again. 

In my final email to XXXX XXXX on XX/XX/2021, I reiterated my point of confusion, pointing to the clear discrepancies of her statements. At this point, I realized that I would not be receiving clarity or a resolution as XXXX XXXX purposely sought to confuse and obstruct my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, I was supposed to receive a {$220.00} bonus for opening an account at Chase Bank. I have maintained the minimum balance and completed an ACH transfer to my account. I called customer service in the last week of XXXX, and they said to wait. It has been two weeks since the bonus was supposed to come in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: AL
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 have requested copies of my receipts of payment from a original loan that was taken out with this company and paid off. They stated that they would do so and contact me back .The company could not provide me with this and got upset when I requested them after the branch manager promised them to me within three days. I called they did not have them and forwarded me to corporate. The local store stated that I refinanced a loan with them and I do not recall doing this. All the payments that were made they stated that they have receipt books in a storage and she do not have them after I was told by her she did .The balance on this account reflects more then what the original loan was by greater then XXXX %. Also I notice that they increased the balance today by XXXX $ when this is supposed to be a so called closed charge off per them later on 1-2 yrs later I have a new loan with them and a balance when I know I initially paid them off in full. and also I was not given my original contract or so called refinanced contract when I asked. Every month they are still reporting that I owe them as a open account and increasing the balance and placed this item on my credit report that I am requesting to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Rent Recovery Solutions
State: GA
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 have a collection on my XXXX credit report for the amount of {$2100.00}. I do not know what this debt is for, and the collection agency refuse to validate this debt. I have sent multiple requests asking them to properly validate this debt. I am unsure if this is my debt or not. This company refuse to cooperate with me. It is my right to request proper validation and this company has violated it by ignoring my requests. This company is hurting my chances of obtaining the credit that I deserve. It has been over 4 months since I sent my first letter to validate this debt. I should not have to suffer because a collection agency refuse to validate a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Experian Information Solutions 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:
The creditor has not reported my account balance to Experian correctly for the months of XXXX and XXXX of 2021. 
Creditor - bank XXXX XXXX XXXX I made several calls the their customer service to update my balances to Experian for the month of XXXX on the dates of the XXXX thru XXXX. 
My statement date is on the XXXX of each month. 
The Bank XXXX Missouri told me they updated my balance on XX/XX/XXXX but Experian never received an updated balance for XXXX until XX/XX/2021. 
Since I was between due dates my balance had grown and when Bank XXXX Missouri finally updated my balance on XX/XX/2021 my balance was {$230.00} on a {$300.00} credit limit which caused my credit scores to plunge which caused me not to qualify for a mortgage. 

It is unfair for this creditor to not update my payments promptly to the credit bureaus as per my agreement with them based on my balances on the end of my statement dates. 

Today is XX/XX/2021 and they still havent update my balance with the creditors which is now {$11.00}. 

Please hold this creditor accountable for accurately updating my balances with the credit bureaus based on my closing statement dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Paypal Holdings, Inc
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have had some problems with PayPal in the past, and submitted these to this website. Now I have a " Compliance '' department asking for documentation that I have provided on XX/XX/2017 and the account limitation has not been lifted. I feel this may be due to the fact that I reported them to you and to the IRS for another issue I had with them. Now they are using their Monopoly agreement with eBay, and some obscure rule they choose to apply to those they wish to be rid of to freeze my account and destroy my business. I have complied with their requests, and the refuse to remove the limitation. This extends to my secondary account for my website and the account for my eBay consignment. The website does not have a sale yet, and the company information is the same across both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
After being subjected to a 3 and a half month XXXX XXXX loan process that ended in a denial for low income, while they collected info, I felt discriminated against as the loan was to lower my existing payments at the time of XXXX and their payment would be XXXX so I decided to pay off an existing XXXX XXXX so on XX/XX/2021, I paid XXXX, I paid XXXX on XX/XX/2021, I paid XXXX on XX/XX/2021, I paid XXXX on XXXX and they requested XXXX cents that I paid on XXXX, but they are reporting to XXXX  after I disputed to XXXX XXXX I still owe XXXX and that I have not paid them in full. and reporting that I still owe XXXX. I supplied XXXX with a XXXX statement and they chose to ignore the amounts paid to XXXX XXXX to pay them off and still reporting inaccurate information.

Company response to consumer: Closed with explanation