BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: CITIBANK, N.A.
State: MA
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:
My complaint is against the citi credit card company.I made a payment for {$720.00} it was put in twice I dont know how so I called the credit card company to let them know that they took the payment out twice so they told me To dispute it and the money will go back to my account. 
So I did that like five days go by I take my daughter to the movies and I go use the credit card and its not working they told me when I call that it was not activated because insufficient funds of the {$720.00} that I took back that they took out two times One of the {$720.00} was taken out on XX/XX/2021 And the next one came out on XX/XX/2021 So we have been going back-and-forth for a few days now so now They tell me my account was closed because insufficient funds and a lot of late fees but if thats the case how can a diss activate my card for late fees that happened in the pass I dont see how they can do that The last payment I made was for the {$720.00} and I believe I made that payment before it was even time to make the payment I feel I am being discriminated against And I should not feel this way specially if I did not do nothing to cause my account to close only thing I did was take my money back that was took out two times

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 2019-06-27
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX Commonwealth Financial placed 4 medical collection accounts on my credit bureaus- I only found out these were placed by alerts from monitoring services. No attempt to validate was made by Commonwealth Financial.  These same 4 accounts were posted on my credit for the 1st time in XXXX after the XXXX  breach. It took a month or two for them to be removed so imagine my shock when my almost 3 years later these collection account reappear under another name and with new dates that Ive read here is called illegal re aging of accounts in order to extort pay for deletion or payment of fraudulent debt by Commonwealth Financial holding the threat of ruining your life again unless you pay regardless of debt validation. So far my insurance renewal rate increased, loans and credit line increases were denied and just in these few short days have incurred great financial terror via Fico scores tanking nearly 100 points and have only been able to get 2-3 of the 4 Commonwealth collection accounts from the same hospital system removed from XXXX  and XXXX, XXXX refused to investigate- Ive opened a separate complaint for them. Suddenly the accounts now show flagged for collection by Commonwealth Financial and no further validation is required from them so it stays without any chance of disputing the dispute results. When I contacted XXXX at Commonwealth Financial he had no personal information about me and was asking me to give my social security number and other personal information- I said I would verify what he had with no problem but wouldnt just provide. He said I could pay for deletion and a lot of his clients do that regardless of being their debt or not just to clean up their credit and quickly restore their scores with letters that he would email me from them to provide all creditors etc stating it was a mistake and been removed from my credit and risk files. I didnt entertain the offer because I had faith in the system that it would be caught as an illegally re aged, illegal validation to the credit bureaus stating debt was valid, because they were found to be fraudulent in XXXX from these same credit bureaus- sadly its not the case, just a bunch of offers from all 3 bureaus to get credit repair help, speedy disputes, access to legal dispute processes and form letters if I subscribed to their monthly monitoring services ranging from {$19.00} to {$39.00} per month per bureau. As you can see by the attachment even the credit bureaus show date opened unknown and just 4 days ago were reporting XX/XX/XXXX as date placed for collection even though the credit bureaus didnt receive the data until XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXXXXXX : # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has 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 non-monetary relief
Consumer complaint received 2022-03-08
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:
Under the new regulations that came into effect on XX/XX/2021, debt collectors must send you a Notice of Debt within 5 days of their first contact with you. I haven't receive any notice from XXXX XXXX about this debt. XXXX XXXX isn't available in PA nor XXXX. I haven't received any notices to collect or validate this debt. I haven't received any notice of debt so this collection is invalid and needs to be deleted. XXXX XXXX is violating the FCRA by not providing me with any collection notices and reporting inaccurate information on my credit reports. If XXXX XXXX don't remove this debt, I am entitled under the FDCPA, EFTA, FCRA, or any state law, to collect money damages. For example, under the FDCPA, you may receive up to {$1000.00} in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys fees and costs. This debt is invalid, fraudulent and not collectable.

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 2022-01-24
Company: JPMORGAN CHASE & CO.
State: NV
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Insight Management Partners, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This debt collection agency reached out to my biological father, not myself, on multiple occasions despite him requesting to have his number removed from their system. The last call he received was from XXXX XXXX XXXX and provided him with extensive information about my accounts and account history. XXXX XXXX XXXX also made inappropriate comments about my character, told my father that they " are not my babysitters '' and made multiple malicious comments about me. He provided them my contact information, which I then received a call greater than 2 weeks later from another agent. When I attempted to discuss my concerns about the previous agents behavior, I was threatened with lawsuits and told that it was not illegal to share my information with my father. The agent was very aggressive and rude. Not only did all of this happen, but I have already filed a dispute about this transaction for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Unable to request information, according to the representative, the representative does not have the information as to why my account was closed and hence a manager will have to contact me. I was told on XX/XX/XXXX  that a manager will reach out to me on XXXXXXXX.No call back received as of XX/XX/. I called Citizens Business Card Services again today and I am getting the same response-manager will call back. 
The card and my credit have been in good standing since it was opened with all balances paid on time.Citizens Business Card services has made no attempt to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has 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 non-monetary relief
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2023-07-19
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 I sent out certified letters to all XXXX credit bureaus ( Experian ) ( XXXX ) ( Transunion ) requesting that they send me information that was validated. All Credit Bureaus failed to validate all information that was requested in 30 days. These accounts continue to reappear without any validation. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2023-11-29
Company: EQUIFAX, INC.
State: TX
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 XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. states I have a 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. 

Also within this account, there are many reporting errors associated with this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: VA
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be updated or corrected as soon as possible. 
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 response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Our mortgage for XXXX XXXX is not being reported on our credit report and is adversely affecting our credit scores and causing us to receive higher interest rates on credit cards and car loans. We have previously reported the issue with CFPB complaint number XXXX and this problem needs to be fixed. According to XXXX XXXX customer service they are reporting to the following credit reporting agencies : XXXX, XXXX, XXXX and Trans Union but our mortgage is not on the 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 2021-04-22
Company: EQUIFAX, 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:
Equifax is reporting and illegally unverified accounts to my consumer report. I previously disputed the below items and received a letter in the mail dated XX/XX/2021 Confirmation # XXXX informing that the items were verified but I never received anything to validate as I am the original creditor. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Pursuant to 15 USC 1692g I am the original creditor and I do not validate the above accounts. I demand immediately remove them from my report and you have 5 days to do so from the moment you receive this complaint. You are to send me a free copy of my report once update. Failure to respond satisfactorily pursuant to federal law will result in other actions being taken and will sue for {$1000.00} per violation : 1 ) 15 USC 1692g, 2 ) 15 U.S. Code 1681b-Permissible purposes of consumer reports, 3 ) Negligent Enablement of Identity Fraud.

4 ) Defamation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: PNC Bank N.A.
State: IL
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:
PNC refused to accept a signed Form 3508S in XXXX. Then eight weeks later wants it resubmitted using a portal and not the Approved SBA form. The Treasury Secretary said in XXXX https : //home.treasury.gov/news/press-releases/sm1187 Therefore, we encourage businesses to file for forgiveness as soon as possible. 

Todays guidance provides taxpayers with greater clarity and flexibility, said Secretary XXXX XXXX XXXX. These provisions ensure that all small businesses receiving PPP loans are treated fairly, and we continue to encourage borrowers to file for loan forgiveness as quickly as possible. 

In XXXX, PNC said it was not ready. 

PNC alleged my loan was overfunded but provided no calculation, instead, terminating access to all bankers and assigning a litigator to schedule a call only to delay that. 

Customers should have bankers answer written questions about loan allegations and provide documents not assign lawyers that raise issues a year later, as if they never read any loan application materials. 

Banks should be ready to accept forms the Treasury makes for applicable loans and not assign lawyers to defend the practice against small borrowers. 

PNC regularly obscures information doesnt get back when promised then obscures what it does. 

It ran out the clock on PPP, and I had to find another bank.

Those bankers read and pay attention and were professional and timely. The same issues PNC delays for weeks, months and up to a year and hires lawyers other banks get done in their branches in hours or days.

The loan application contains materials and documentation provided by the SBA PPP IFR, which reads You must submit documentation sufficient to establish eligibility and to demonstrate the qualifying payroll amount, which may include, as applicable, payroll records, payroll tax filings, Form 1099-MISC, Schedule C or F, income and expenses from a sole proprietorship, or bank records.

Note bank records! The qualifying period was XXXX XXXX XXXX, yet PNC tried to insist on a two month Schedu
le Cinstead of what it took from othersbank records.

It claims overfunding but wont say how much despite there being records inside its own approved application.

The Form 3508S also says it just be submitted on the instructions was done yet PNC says it doesnt have to take it, despite the treasury notice to file ASAP in XXXX on the approved XXXX form, because it isnt ready. 

PNC continues to disregard and misrepresent to the CFPB my self employment designation fir this work This work is considered self-employment under IRC 1402 ( c ) ( 2 ) ( E ) and these individuals are not employees with respect to this work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit Acceptance Corporation has notated on my credit report that it was a Repossession/Foreclosure. That information is incorrect I never had a Foreclosure I never own any property. However, if I was to use my GI Bill and to purchase a home the word Florclosure could prevent me from purchasing a home. As a matter of fact, it is preventing me from purchasing a home. 

I would like Credit Acceptance Corp to remove the word Florclosure from my credit report because it's misleading it seems like I could have had a Foreclosure when I had a repossession. 

Thank you.

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 2023-06-11
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
See attached dispute by XXXX XXXX to Mr. Cooper 's XX/XX/20 dispute response, along with referrenced evidence not uploaded to the CFPB Portal.

Company response to consumer: Closed with explanation