BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: CA
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 XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was an XXXX customer. I had a complaint filed with the XXXX for unfair sales practices and fraud. ( they added services specifically XXXX  XXXX/XXXX XXXX  that I did not request. They also changed my passwords and secret questions ) The complaint was forwarded to XXXX Executive Office. The Executive office rep, Ms XXXX XXXX was able to resolve the issue by dissolving the existing accounts and starting a new profile. She also waived over {$200.00} in fees. I never actually had an account with XXXX  XXXX-XXXX, now Enhanced Recovery Company without communicating via phone or mail has placed this account on my credit file. This account continues to pop up on my credit report from various debt collectors. This is the 4th time and the 2nd time ERC has done this. How do they get away with this? I can only assume that XXXX XXXX XXXX XXXX XXXX is continuing to sell this debt that I do not owe. They made an error in their system, falsely created an account that I did not authorize and now continue to sell this phony erroneous debt. I am requesting that ERC and XXXX  clear up their records and remove this from my credit file. ERC has never communicated with me to give me the opportunity to confirm or deny the debt. They just placed the item on my credit report without process. That is wrong. This is the second time ERC has done this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Good morning I would like to file a formal complaint against citi bank Best Buy credit card. I had first opened this new account back in XXXX as a new customer. Upon opening this new account a received a new credit card.. I lost my credit card at the gas station which was then picked up.. not turned in and used by the individuals who picked up my card to pump gas at the gas station and make purchases without my authorization ... when I realized my card was missing I contacted citi bank reported the fraud claim and filed a police report.. the police report was filed with XXXX County police however the financial crimes unit advised me to dispute the charges with my bank due to the fact that they were minor and that ultimately they wouldnt open up an investigation unless they knew the indentity Of who stole my card ... I filed the complaint with citi bank ... citi bank never sent me any correspondence regarding this matter.. and then ultimately closed my disputed due to the fact that they didnt have enough information ... I never received any documentation in the mail to provide them the information they requested ... so in XXXX when I found out that they did not even process my dispute claim I re-opened the claim ... they advised me that they would send me the documents that I needed to provide them the additional information ... again I never received the documents ... when I checked my account again.. it shows that on XX/XX/XXXX they just decided to close my re-opened claim due to the same reason.. I would like for these fraudulent charges to be waived because I was not responsible for them.. I would also like for citi bank beat buy credit card to actually assist me with this matter and not set me up for failure by not sending no me the appropriate documents to support my claim ... this claim was handled very poorly by them and therefore I deserve to have this reviewed again and processed correctly.

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 2021-02-28
Company: CNG HOLDINGS INC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XXXX XXXX I ordered a mattress from XXXX using Tempoe why not lease it. I have used this company a few times before and they always offered me an option to pay off the purchase within 90 days of delivery for 10 % fee. My bed was to be delivered in XXXX but Gotback ordered. Due to this I cancelled and went to XXXX who also would let me use my Tempoe/why not lease it credit. I got my bed and then called the Tempoe To let them know I was going to choose the 90 day payoff option. They then advise me that because mattress firm process the order in New Jersey that state does not offer a 90 day option. I explain to them that every other lease I had done always offered that 90 day option and that it makes no sense why I would not be offered that seem option when Im still being delivered in Pennsylvania I never even went to New Jersey I just placed a phone call now Im dealing with having to pay three times as much for this mattress or return the bed and lose XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have been disputing this XXXX Account for over half a year, I would first like to say I never knew that it was labeled a Redeemed reposession on my experian because on my other credit reports it originally showed as current. I wrote them a letter asking for them to mail me all the information about the accounts and the Forgot Various information that I requested including the buyers guide or my notice to redeem. This Failure Violate U.C.C. 3-616 The Account Type on each Account is erroneous stating that it is an auto loan when it really is a Retail installment Contract and I marked it in the Attached Documentation they sent to me as " Proof of Contract. 

They never stated who the original creditor was the Contract shows multiple names but never mentions XXXX it even shows " XXXX XXXX XXXX XXXX " How many " Loans " did i recieve for this contract because it only shows 1 loan but multiple Sellers or creditors The Terms on the Contract is Erroneous The numbers Aren't even divisible by 6 and thats the basis of auto loan terms in the united states. To go Further Each Bureau Reports the Terms incorrectly. 


The Account historical calendar is All over the place inaccurate unverifiable and needs to be deleted along with the Account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Capital Management Services, LP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I SET UP A XXXX  PAYMETS OF XXXX XXXX {$1200.00} ( XXXX CENT MORE ) XXXX XXXX {$1200.00} XXXX XXXX {$1200.00} FOR XXXXXXXX XXXX  REF # XXXX XXXX  IS NOT ACCEPTING THE XXXX  THEY COLLACTED THE XXXX PAYMENT NOW THEY SAY THAT XXXX PAYMET CAME BACK THEY TRY TO CALLING ME WITCH THEY NEVERD CALLED 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 2021-11-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been violated by XXXX on XX/XX/2021. This is the second time I am filing a complaint about the same issue. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. XXXX is now negligent in failing to comply with the U.S. Codes of Law.

I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1681n 15 U.S. Code 1681o Please have this inquiry removed from 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
Consumer complaint received 2023-08-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
From XX/XX/2023 to the present there is no access to this checking and savings account. There is a negative balance which has been sent to the check and banking reporting service and there are several transactions which have occurred where nothing has been delivered or purchased on the account. There are also bank cards that have been issued on the account and someone has been calling the bank to have any previous credits which were issued as a result of fraud reversed for the charges to be deducted from the account. Most of them are internet purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: MO
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 noticed that XXXX XXXX have placed an inquiry on my EQUIFAX credit file dated XX/XX/2022. On multiple occasions I requested XXXX XXXX and EQUIFAX to verify these inquiries. They have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have disputed the XXXX XXXX XXXX account from my credit reports with Equifax several of times, XXXX to be exact. It is reporting as an authorized user account and I have never authorized or approved for this account to report to my credit report. Meaning Equifax had no permission to report it either. This is not my account. I have never applied for a XXXX XXXX XXXX account. This account need to be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions 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 my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
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 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 explanation
Consumer complaint received 2023-06-20
Company: Affirm Holdings, Inc
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2022, I used Affirm 's credit to purchase a guitar as a gift. The amount financed was {$1800.00}. I paid {$160.00} monthly from XXXX - XXXX. On XXXX XXXX, I made 2 payments : one for {$160.00} and one for {$960.00} ( the remaining balance ). 

In XXXX, I received notice that the amount owed was still outstanding. Affirm claimed I charged back the amount I paid them from account ending in XXXX. In reality, Affirm by their own admittance applied the credit to a foreign account ending in : XXXX. 

To date, the matter has been unresolved and Affirm filed a late payment with the credit bureaus. To avoid any more damage to my credit from Affirm, I paid the amount a second time and closed the account. 

Consumers beware of using Affirm to make any purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Pennymac accepted a forbearance on my fathers estate in XXXX. He died and left me his home in XXXX that he financed thru a VA loan. I have been the making payments for over 5 years now. I missed a few payments during the covid outbreak after requesting forbearance due to the pandemic hardship. I am the successor in interest and requested a forbearance in the spring of XXXX. Pennymac has been repeatedly demanded a quit claim deed on the property. I talked to the court clerk and they said that document in Oklahoma is not worth the paper it is written on. It it used for the private sale of property and is not used in probate or estate administration and she was puzzled as to why they would request the document at all. Since my father is the only person who can legally sign that document and he is deceased, it is an impossible task. I have started a full probate but they seem unwilling to wait for the correct and legal way to administrate the property. They have never offered me a modification plan even though I have requested it dozens of times over he past year and a half. Early last year while on the phone with Pennymac 's own lawyers who said a quit claim deed was not needed to start a modification because there is a successor in interest form filed with Pennymac and the very fact they were on the phone and discussing the note with me is more than enough for a modification to start. I have sent them all the paperwork on the probate and I was told I should not worry and Pennymac was not going to start foreclosure proceedings. Well they have sent me paperwork saying they were going to foreclose and demanding the full sum several times now. I keep getting calls about the past due and no mention of modification. They have turned down the modification twice due to not receiving a quit claim deed. Like I described earlier, that is impossible to get without going to probate court and they know there is a court date scheduled for XX/XX/XXXX. Nothing can be done until then. I just want a modification plan so I will quit getting calls and letters saying they are going to take the property. I am able to make payments now and have not missed any payments since the few months of forbearance in XXXX nor did I miss any before. I have also been paying more than my payment amount to catch up on the past due. I can not even make a payment online, I have to call on a weekday and talk to several people and spend about 45min to an hour on the phone. They have made it very hard to simply make the monthly payment. Please help me get a remedy to this nightmare. 

Thank You XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$1300.00} - I was never late ... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or inaccurate ; XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$740.00} - I was never late on this acct. It was paid in full.. Creditor agreed to remove all negativity. Please review file for all inaccuracies. Please verify it is not untimely, inaccurate, unverifiable or incomplete. Please remove negativity ASAP. 

Lastly, this accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need this corrected at once.

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 2021-11-12
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been violated by XXXX XXXX Bank on XX/XX/2021. This is the second time I am filing a complaint about the same issue. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. Equifax is now negligent in failing to comply with the U.S. Codes of Law.

I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1681n 15 U.S. Code 1681o Please have this inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: PNC Bank N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I opened a new checking account online with PNC Bank which offered {$200.00} bonus. All the requirement has been met, but I have not received the bonus about five months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2018-10-04
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had problems of utility bills, inquiries on my credit report, data breaches, and unknown account placed on my report. I recently pull my report to find to unknown accounts in my name. I was denied a car loan and funding for a mortgage loan. I have called, and they said this debt belongs to me. I don't have a written contract or written permission from me to run my credit or a legal signed valid contract with 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