vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
This issue has been ongoing - the last communication stated that the company is aware of the issue, and is trying to fix it. 
it has been more than 45 days and the issue has not been fixed, nor has the company reached out to me with an update in the last 30 days All I have been given is multiple case ID numbers from Affirm and their partner XXXX XXXX Affirm Case ID XXXX Shop Pay Ticket XXXX The last communication I received was on XX/XX/18 Hello XXXX, Thank you for contacting Affirm regarding XXXX XXXX  installments. 

My name is XXXX from Affirm Customer Care and I will be more than happy to assist you today in regards to your application inquiry. 

Upon checking your account I can see that you have been trying to make a purchase using your XXXX XXXX account. The investigation about the status of your account seems to be still going. 

Taking into consideration, you had an account with XXXX XXXX in the past and this account is associated with your phone number and email address, we are currently working to ensure you have access to your account as soon as possible. 

Also, something to take into account is that capital letters do not make a difference in email addresses, which means using your credentials to access or regain access to your account should work in this scenario. 

Please note, if you had an account in the past and you try to use the same information to create a new one, this might result in an error in our base data. 

We appreciate your patience on this matter and we are working hard towards this request. 

If you have any questions or concerns, please call us at XXXX from XXXX XXXX to XXXX XXXX CST seven days a week or contact us at XXXX. 

Regards, XXXX XXXX XXXX XXXX XXXX Installments Customer Care Originated and Serviced by Affirm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
On XXXX XXXX I received various notifications regarding a hard inquiry on my credit report. I contacted the company and they confirmed that an account had been opened using my information. Upon further research and comments from the company, an unrequested live check was was sent to my address in an effort to induce me to accept a high interest loan. This loan was opened and reported to the credit bureau without any verification of the identity that the person that negotiated the instrument. In fact, they company was unable to even provide any information regarding where the instrument was negotiated but had already used my social security number to set up the account.. When I requested a copy of the check because it is fraudulent, I was told that I must submit a police report. If I can not get this information without a fraud report then they can not say that this is my account that entitles me to all the information that I requested. Because of their carelessness, I have had to file police reports, fraud alerts, and IRS PINS in order to protect my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bull City Financial Solutions, Inc
State: OK

Complaint narrative:
See attached Comments and Exhibits. 

Bull City Financial Solutions ( 'Bull City '' ) reported a medical collection associated with XXXX XXXX to XXXX XXXX XXXX and XXXX on XX/XX/XXXX wherein Bull City claimed that the medical debt had been outstanding for more than a year ; however, statements from XX/XX/XXXX and XX/XX/XXXX show that no such balance existed and that Bull City 's claim is both inaccurate and false. 

Upon filing a dispute with XXXX on XX/XX/XXXX, an investigation was conducted ; however, Bull City CERTIFIED to XXXX that the information in the collection was accurate and XXXX made no change ( s ) to my credit report. 

On XX/XX/XXXX, I contested the dispute findings electronically and attached one ( 1 ) page of comments and six ( 6 ) pages of exhibits. 

In response, XXXX informed me that my contested dispute had been concluded but that the findings and the report were not available to me electronically. Hence, final resolution of this matter appears on-going. 

Additionally, I have now received a notice from a third party credit provider stating that as a result of this medical collection, I am now subject to higher interest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I did not give anyone authorization or consent to use my personal information. 
I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking knows or consciously avoids knowing the information is inaccurate and inserting knows or has reasonable cause to believe that the information is inaccurate, and ( 2 ) by adding at the end of the following : ( D ) DEFINITION For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My identity as been compromised by my childs fathers sister and things on my background report refer to her but just my name and also she stole a checkbook from me and somehow ended up with my social I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX In assurance with the fair credit act XXXX account XXXX has violated my rights. 

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

15 USC 1681 section 604 section : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a bankruptcy on my credit report that does not belong to me. I would like the account and move on my credit report. 

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 2023-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
The time period in question was XX/XX/XXXX and XX/XX/XXXX. Covid pandemic in progress. 

Mortgage payments due on the 1st of the month. My bank is stating that I missed 2 mortgage payments. This is reflected in my credit report. 

XX/XX/XXXX - regular mortgage payment of {$1100.00} paid. No problem here. 
XX/XX/XXXX - mortgage payment of {$1200.00} paid. I thought I paid more than needed. I did not realize my bank raised my mortgage payment to {$1200.00}. The bank labeled this as a missed payment. 
XX/XX/XXXX - mortgage payment of {$1200.00} paid. I thought I was paying the correct payment on time. The bank labeled this as a missed payment because {$60.00} of it needed to be applied to the XX/XX/XXXX payment. 
XX/XX/XXXX - mortgage payment of {$1500.00} paid. No problems here, more than enough paid to cover changes in mortgage, etc. 

I do not feel that being labeled as having 2 missed mortgage payments fairly reflects my situation. If the bank had reached out to me to let me know there was a problem, I would have corrected it right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I applied for the new SAVE plan XX/XX/XXXX. They said they would email updates that I never received. I called and spoke to a person on the phone and they said the application was in process, that the department of education told them to pause some applications due to an error. After calling, the notification on the site said my application was submitted XX/XX/XXXX instead of the original date with no timeframe for when it would be completed. I still have not received a single email update on the status of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: PA

Complaint narrative:
Sent initial payment and payment was not accepted, Now they want to charge double. And add late fees for their mistake. It is two months now and they have accepted payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My rights have been violated according to the law. Late payments are illegal. If my transactions are not on my consumer report how there be a late payment if the transactions are not included on my consumer report. 


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.

15 U.S.C 1681 A ( 2 ) A1 states ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Agency is reporting false and or outdated information on my credit report..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : DEPT OF EDUCATIONXXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. 
Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : DEPT OF EDUCATIONXXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( p

er se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. Fair Credit Reporting Act 15USC 1681 vi
olations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My rights have been violated according to the law. Late payments are illegal. If my transactions are not on my consumer report how there be a late payment if the transactions are not included on my consumer report.

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.

15 U.S.C 1681 A ( 2 ) A1 states ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer

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 2023-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mar Joe Enterprises
State: WV

Complaint narrative:
Basically the XXXX XXXXXXXX XXXX team failed to submit payment on time. And now I have received a collection notice asking for payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
At some point between calling to request a replacement debit card because mine was expiring and Sunday XX/XX/XXXX my existing debit card stopped working. Ive broken down the timeline of events below. Please note my husband I share a vehicle, I rented a car to drive to XXXX, and returned it on XX/XX/XXXX. 

XXXX XXXX - call for replacement debit card. No card is ever received. Called PNC to check on this, they claim it will be mailed soon and to keep using my existing debit card until the new one gets to me. 
XX/XX/XXXX XXXX - Attempt to use existing debit card in NY while driving to XXXX to speak at a conference. Card is declined for mismatched expiration date XX/XX/XXXX XXXX  - Call PNC, agent shows no concern, has no solution XX/XX/XXXX XXXX  - Call back, get a new rep who shows concern and works on solution. On hold for 20 minutes while she researches. Call drops ( either rep hung up or lost signal ). 
XX/XX/XXXX XXXX  - Call again ask rep to read notes from previous rep, he refuses and claims because Im angry he has to escalate me to higher level rep, Im transferred to the main PNC number ( he lied about escalating ) XX/XX/XXXX XXXX  - Call back, rep is very apologetic, sees the issue, admits theres no workable solution to get it to me. Suggests I call back when back in town before XXXX to have a debit card overnighted to me. 
XX/XX/XXXX XXXX - Call and per directions from previous rep ask for a manager as they are the only ones who can have a card expedited. Transferred to manager who is very dismissive of the issue. Doesnt seem to understand the card not working is a PNC error. She tells me to drive to a branch. I explained that PNC needs to cover the cost of transportation back and forth from branch as my husband has our car at work ( I work from XXXX  ). Again explain that this should be expedited at PNCs expense as deactivation of my card and no replacement ever being mailed is a PNC error. After 45 minutes on hold they still have not agreed to do what previous rep said they would do and expedited a new card.

Company response to consumer: Closed with monetary relief