BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-10
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX refused any communication for over a year with my lawyer who was attempting to negotiate a settlement on my behalf for the balance due on a XXXX credit card. I requested that my credit card be closed and XXXX reported the balance as a bad debt write off, yet they continue to report the balance as outstanding for the past seven years to all three major credit bureaus hurting my credit score and making impossible for me to qualify for a mortgage.

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 2019-10-30
Company: States Recovery Systems, Inc.
State: UT
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:
States Recovery System # XXXX is reporting a collection on my account that I never received a notice for. This was put onto my credit without any warning and I only found out about it when I had my credit pulled. I went ahead and paid it and now I need the collection to be removed. They violated my 30 day right to dispute and this collection is now paid and I'd like it taken off credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: CORELOGIC INC
State: OH
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:
I was going over my credit files with my attorney and we noticed a lot of unknown addresses and a few errors in the information on my credit report. My name is XXXX XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXX my SS XXXX my DOB XXXX. Please delete any and all information other than the above spelling of my name. 
The following accounts need to be deleted : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH 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 2020-08-28
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was discharged from bankruptcy in XXXX and has disputed the amount twice a year for the past 5 years. XX/XX/XXXX I sent email to the president and several other employees of Pinnacle Financial Bank. 
I entered bankruptcy in XXXX and several years into bankruptcy my second mortgage sold my loan to Pinnacle Bank. Pinnacle Bank did not comply to Chapter XXXX standard letter was sent to appear in court they ignored. Pinnacle Bank did not mail me any documentation about my account with them.The second mortgage had to keep accepting the payment and then they would forward to Pinnacle Bank. The first time I seen the amount from Pinnacle right after my bankruptcy they states I owe them XXXX and they claim I was late every month. I would dispute with credit bureau and then the amount was lowered to XXXX. I disputed that amount as well then the amount changed again to XXXX. I dispute the amount again they will not remove the amount. 
I have the letter I sent to them as well as my Chapter XXXX payment history for the second mortgage. Please review

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
After sending information to verify myself with my disputes, Experian has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see the enclosed document Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

ACCOUNTS XXXX XXXX XXXX  XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX XXXX never late XXXX XXXX XXXX  XXXX  XXXX never late

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 2021-02-21
Company: Santander Consumer USA Holdings 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:
SANTANDER is reporting a fraudulent account under my credit that i did not open, on my XXXX, XXXX and XXXX report. they are damaging my good name and i want to buy my first home. this is the account number XXXX i see on my credit report. someone tuck out a car under my name. i never use credit. i pay everything cash. my XXXX XXXX pays for all my stuff. he said he will have the top lawyers in florida look at this to sue Santander bank and all the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED 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 explanation
Consumer complaint received 2021-02-01
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 check my credit i notice that someone is Using my personal Information which make me very upset i did not give anyone Consent to open any Accounts using my personal Information this report is to help me I'm taking the necessaries step so this situation will be Resolved i no longer want to be a victim of Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Over the last 3 days, I have contacted TransUnion Fraud department at XXXX. Each time my call is automatically disconnected instead of forwarding to a customer service representative.

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 2019-03-15
Company: CITIBANK, N.A.
State: MI
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:
This morning I attempted to pay my bill and I could not pay through the app due to " technical issues. '' I have complained about the unreliability of this app and their response has been, " I'm sorry, here 's the phone number of our black hole call center full of wait times and accents you can't understand, good luck! '' I want a federal investigation into the reliability of the Citi mobile app.

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 2020-01-26
Company: ACIMA CREDIT, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The stuff they're suppose to to teach you in school, they don't. If they did then I would have known not to use a company called Acima Credit. I have a furniture lease for some cheap furniture that I regret getting. Long story short, I was forced to stop working the first week in XXXX. Before that week ended I called my bank to place a stop payment with Acima since I didn't have the money to pay for the furniture. With a stop payment in place, Acima still ran the charge through multiple times in different ways ultimately taking funds from my account. Funds that were needed to feed my XXXX kids. This company charged my card even with a stop payment in place. All the while without my authorization. I didn't speak to them the whole month of XXXX. Every time they charged a payment, I received a receipt and then a past due notice saying that I was still past due. Well in XXXX, Acima has taken money out of my account every Friday. That's up from every other Friday in XXXX. With no authorization from me, this company has interfered with how I feed my kids and my bill pay for my home bills. This company has been dead set on getting there payment all while still accessing past due charges for some cheap furniture. Next time, ( never ) my kids and I will just sit on the floor. These crocked finance companies suck taking advantage of the people barely making it out here. It should have been my choice to pay them or feed my kids. They forced my hand. Thank you reading my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Paypal Holdings, Inc
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Paypal will not release my funds since XXXX/XXXX/15, account is closed withholding funds for 180 days until XXXX/XXXX/15, unlawful violation of " Regulation CC '', unreasonable delaying in funds withdrawal or deposits. Paypal claims my account is closed forever, I am blacklisted as a customer blacklisted forever, but Paypal refuses to release my funds {$500.00}. What Paypal is doing is illegal, an unlawful violation of " Regulation CC ''. XXXX XXXX, Paypal Acct # XXXXXXXXXXXX. My contact number XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14
Company: Trident Asset Management, L.L.C.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went through the proper channels to get this collection removed from my name and credit reports. I do not owe Trident Asset Management nor their creditor XXXX. I NEVER had or opened any services with XXXX. I've been with my current provider XXXX for well over 8 years or so. My previous provider was XXXX. I've sent numerous letters asking the company for any verification that states I had service with XXXX and they have sent me nothing. I really want to get this situation resolved as this has been going on for too long.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: PENTAGON FEDERAL CREDIT UNION
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX, I called Penfed Federal Credit Union to activate my Cash Rewards Credit card that I had received in the mail, but had not used as of yet. I am XXXX XXXX military XXXX overseas.

After trying to navigate their automated menu twice and getting routed to their main menu each time, I tried to get a live agent on the phone.

After a 25 minute wait, I got an individual who kept me on hold but was an interlocutor with another department trying to get the card activated. After six more minutes and not acknowledging at all the excessive wait for a simple procedure such as activating a card, I was told that I had to call in with my number on file to activate the card. 

I explained again that since I was overseas and can not use my phone to make calls, but only to receive texts, and that I can only use an app such as XXXX or general phone service to call in, I couldn't do as he had asked. He simply said the agent he was speaking with couldn't fix my problem. I kept trying to tell him my situation and he simply steamrolled me not letting me finish my explanation. 

He then abruptly hung up. After such an experience with such a so-called 'military friendly ' bank, I have no recourse but to file with CFPB to report grossly abysmal customer service given the treatment and circumstances I faced trying to complete a simple task such as activating a 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 explanation
Consumer complaint received 2020-08-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Until this day, over 60 days later, I have not received a response yet. I feel like Im being ignored and taken advantage of regarding my disputes. In Section 611 ( a ) of the FCRA, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress cause to me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Someone stole my identity and use my name and social security with out my consent. Got numerous credit cards in my name and mess my credit up and scores. I would like to get this fix its not fair to me someone using my name identity theft and I m held responsible for it as well.its a lot of credit cards from XXXX XXXX its like 7 cards and a student loan thats not suppose to be on there. I want it off

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 2021-02-01
Company: EQUIFAX, 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:
Equifax Credit Bureau XXXX, XXXX Leased a vehicle at XXXX XXXX Since then, all the credit listed at Equifax has been wiped out as if I am a new borrower. I have tried to get assistance with this from Equifax and Consumer Finance since XXXX, XXXX to no avail. 

Recently in XXXX, XXXX I tried to assist my daughter to lease a car from XXXX XXXX and the application was denied because of Equifax even though I have a FICO SCORE OF XXXX. 

I am afraid that when my own lease is up in XXXX, XXXX that Equifax will prevent me from obtaining credit as well. 

Are there civil rights or financial lawyers who can help me with this matter. This matter began around the same time of the security breach with Equifax and I am told that my personal data was impacted by the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Until this day, over 60 days later, I have not received a response yet. I feel like Im being ignored and taken advantage of regarding my disputes. In Section 611 ( a ) of the FCRA, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress cause to me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2018-03-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
i called chase XXXX XXXX to ensure balance was paid off at XXXX early XX/XX/XXXX. they somehow also took XXXX out of my bank acct mid XX/XX/XXXX. this month they charged me interest when in fact they told me everything was squared away when i called after paying off the balance owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-06
Company: Eastern Asset Services LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted by a woman named XXXX of " EAS ''. The phone number she called me from was out of XXXX XXXX XXXX Florida. The phone number she asked me to call back on was XXXX. XXXX told me that I had been reported to EAS by a company called Balance Credit - a payday loan company with whom I had received a loan in the past and currently have a payment plan set up to pay off my past due balance. As I was asking questions of XXXX about the reason for her call and what this matter was regarding, she cut me off and, as if she were reading a script, began to repeat how rude and dismissive I had been on the call and because of my dismissive attitude she would be reporting me for fraud and writing bad checks. I suppose my reluctance to provide her with my personal information without knowing who she was and why she was calling was interpreted as " dismissive. '' After berating me for a few minutes and not allowing me to get a word in edgewise, she ended the call by saying " this is fraud! good luck! '' and hung up on me. I tried calling the number back twice after that, and she continued to repeat how aggressive I had been and how she would be reporting me and that because this was a recorded line ( which she never stated up front ) that my rude attitude would be documented for the authorities. 

I am completely shaken. I've never experienced anything like this before - this company and this woman, XXXX, need to be stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Account was disputed on my credit report and removed. I wasnt notified that the account was going to be put back on my credit report. It was put back on my report. I disputed it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Army and Air Force Exchange Service
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was victim of a fraudulent charge on my military star card, I contacted XXXX  several times over the years through email ( fraud department ) and several phone calls to resolve the issue, not only It was never resolve but it has more than double, my calls are been ignored and my email not answered. this is not the first time I am trying to contact the department regarding the charges that were imputed to me. I have contacted the airline company and the information i received from them did not match my own. I asked to speak to someone in charge or some one who cares enough to investigate this, this has been causing a financial burden on me and my family as my wages are been garnished.

I even got my chain of command involved but we were always put on long hoold and hanged up on.

email dates Wed XX/XX/XXXX, XXXX XXXX Fri XX/XX/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 2020-08-28
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Hello, VW sent an inspector to inspect the car before we returned it to the dealership. Report attached. Based on this report we were ONLY liable for the extra miles. We did change the tires to bring it up to par. 

I have reached out to VW finance but have not heard back from them on this issue. We would like to resolve this issue asap.

Company response to consumer: Closed with monetary relief