BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-01
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone the authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these suspicious accounts from my reports as soon as possible. 

XXXX XXXX {$2300.00} XXXX  XXXX {$24000.00} XXXX/XXXX   XXXX {$1000.00} XXXX XXXX {$2500.00} XXXX  XXXX {$6300.00} XXXX  XXXX  XXXX {$670.00} XXXX  XXXX  XXXX {$3300.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$51.00} XXXX   XXXX {$2300.00} XXXX XXXX XXXX {$1800.00} XXXX  XXXX {$90.00} XXXX/XXXX  XXXX {$150.00} XXXX/XXXX  XXXX {$2200.00} XXXX XXXX  XXXX {$9900.00} XXXX XXXX {$8000.00} XXXX XXXX {$98.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: MOHELA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX of XXXX, I contacted Mohela to change my student loan due date. There was no option to do so online so I was told I had to call in. 

After calling in I requested a due date of the XXXX or XXXX of the month, much earlier than my current date of thr XXXX of the month. I was told it was in process. 

It has been over 2 months now and my due date has not changed. I called in XXXX and was told to suspend my auto pay which resulted in me being charged a higher interest fee. They said this would help expedite the request. My due date still did not change. 

I've called back repeatedly and am just told " it's still in process ''. This change has taken almost 3 months and has borne a financial cost on me directly attributable to Mohela and their delays and informing me to suspend my auto pay. 

I would like Mohela see this matter resolved expeditiously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was provided with a Lease Agreement that doesnt have my correct signature. I was provided with Lease Agreement that doesnt match the correct Move Out Statement dates. 

Please explain to me how you are accurately verifying this account if the Lease Agreement doesnt match the Move Out State Statement Dates, balances or address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX  has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

In accordance with the Fair Credit Reporting Act XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My payment history for these accounts is marked by consistent on-time payments. Requesting an update to accurately depict this pattern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
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:
I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ProCollect sent documentation claiming a debt was owed to a previous apartment community in which I resided. The claim states the debt is owed due to insufficient notice, resulting in liquidated damages of {$1300.00}. However, an addendum to the lease agreement provided two options and the option executed explicitly states that I do not agree to pay liquidated damages. " Lease to '' date of XX/XX/2017 and " move out '' date of XX/XX/2017 showcase that I in fact did not terminate the lease early, nor stay beyond the " lease to '' date. Thus, no debt is owed to this organization. I have provided copies of all documentation to ProCollect, as well as written a letter clearly articulating the above with specific reference to sections within the lease agreement, ledger, notice to impose a claim, and addendum.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXXXX/XX/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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am filing a complaint with TranUnion Consumer Solutions and XXXX XXXX. I sent my first verify dispute letter on XXXX XXXX, 2023, to TransUnion. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation. On XXXX XXXX, 2023, I had sent my third validation dispute letter to TransUnion stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. TransUnion ignored my response and provided no reasonable method of verification on why they verified this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01
Company: PNC Bank N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XXXX of XXXX, I opened an account at PNC Bank, and the next day the bank closed the account and did not give me a reason. XXXX at PNC Bank at the XXXX Branch in Wisconsin talked to me about the account and stated that she was waiting for a manager approval and she did not get back to me on that, so I called customer service about the matter and the representative claimed that I wrote out a check in XXXX and I never did, My sister had an account back then, I believe the PNC bank is getting me and my sister mixed up with wrong information. I also talked to the branch manager at that location and could not even give me a reason either. I was a customer to the bank 4 to 5 years ago, and I did have balance, but was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I transferred money to someone who performed services for me in the amount of {$320.00}. I used the XXXX option in the USAA mobile banking app. This individual informed me the money posted to her account but then showed as returned. I saw the money back in my account on XX/XX/XXXX. I went ahead and made the transfer again, as I owed payment for childcare services provided by this person and they needed to be paid. XX/XX/XXXX the payment went to her through XXXX via my USAA. She told me again the money deposited and then showed as returned. However, I never saw the money come to my account again. I called USAA and they said if it was returned it could take 3-5 days to post, so I paid this person via XXXX, clearly XXXX was not working properly. I have called USAA five times in total. The first three times, I was reassured they would resolve the issue, and I was even told a temporary credit would post. They told me to check back the following week. I never saw the credit come through, so I called back. They told me something different this time, that a temporary credit is not something they would provide. They filed a claim to find the money. I called back a week later ( Friday XX/XX/XXXX ) and was told they finalized the claim and all they could see is that the money left my account and posted into hers with XXXX I was told there was nothing more that USAA could do, that my money issue was not their issue and that I needed to call XXXX. Needless to say, XXXX refused to speak to me as I am not their customer. The individual with XXXX has called them three times. She has been told the money was returned to me, that I needed to contact USAA. Today, she was told it's a problem with XXXX. We both called XXXX, they would not speak to us. I was told by the rep at XXXX that they can't help me because USAA uses their own version of XXXX, they could only help me if I used their app. They then transferred me back to USAA for a sixth time where I was placed on a 30 minute wait. They are not offering any solution, nor is XXXX There is no recourse or consumer protection for a transaction that is initiated through XXXX but failed and lost. XXXX XXXX  XXXX will not help. USAA will not help. I have called five times, with my last call I filed a complaint and the process took almost 3 hours. I am being told by three companies ( USAA, XXXX, XXXX ) that they are not accountable for the issue and there is nothing more they can do to help me. Yet, I have {$320.00} that is lost with no sense of how to get this money back. This money was used for childcare services, which as one might imagine, is very expensive and difficult to find during a global pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I've called multiple times about this issue, so please understand if all of the dates do not line up. I contacted Citi about my life and medical hardships since they began occurring in XXXX. Having lost both of my parents, getting to buy a house, but then immediately getting into XXXX XXXX car accidents, losing two jobs, my fianc losing her job with being unemployed consistently, and both of us needing XXXX, there was a lot going on. I made every effort to at least keep the account as current as possible, granted being a few days late here or there and being over limit due to having to bridge the loss of income with something. Citi profited from me from use of the card, from late fees, and from interest, all during my period of medical issues and lowered income. 

Fast forward to XX/XX/XXXX where my fianc and I finally settle our XXXX XXXXt cases out of court and have enough money to pay down about 90 % of our debts, so we do. I chose to pay Citi on XX/XX/XXXX, the roughly $ XXXX that I owed them across three credit cards. Not maybe several days to a week after I make these payments and finally feel some semblance of normalcy coming back to my financial situation, Citi chose to cut only ONE of the credit limits down by over 90 % ( $ XXXX to {$1300.00} ) ; of course this also the XXXX card I was looking forward to using again on the daily and paying off consistently since it has the best rewards and APR. Citi had not, and still has not, touched two of my Credit Cards that I don't use, as these cards currently have penalty APR rates. I feel Citi is waiting for me to use so they can profit off the fees again due to my medical situation, before the penalty rate falls off then they will cut the limits down on these cards too. 

I have contacted Citi to attempt to reinstate the credit limit to no avail. I have asked to combine/consolidate my credit limits to this one card ending in XXXX to no avail. Citi has cleared discriminated against me by profiting off my misfortunes, waiting for me to pay them off in full, then immediately reducing my ability to spend down. 

Citi will make claims stating " We are abiding by ECOA and FDCPA '', but there is evidence here that shows they are choosing to do otherwise, only profiting off of negative situations before wanting to reduce risk and claim it under ECOA and FDCPA. 

If Citi had either waited an entire Billing cycle or allowed multiple Credit Limit reinstatement requests, they would see that my risk profile has significantly reduced over the course of the past 45 days, as my utilization has dropped, several inquiries will be falling off in XXXX, and increased income due to my fianc being back to work.

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 2020-02-17
Company: TRANSUNION INTERMEDIATE 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:
I am a victim of identity theft. I recently got a phone call from a debt collector asking for money for an account that I never authorized to be opened. That call prompted me to take a look at my credit report and that's when I realized that my identity had been stolen and my personal information had been used to open several fraudulent accounts. The fraudulent accounts currently reporting on my credit report are some medical service bill that I never authorized or received medical services for that totaled {$740.00} from XXXX XXXX XXXX. That debt is being collected by a company named XXXX ( XXXX    XXXX XXXX  ). I advised them that I never had any medical services done by XXXX, and they said there was nothing they could do but to continue to try to collect the amount owed. The second fraudulent account that is being reported on my credit report is a loan that some criminal applied for using my personal information with XXXX XXXX XXXX XXXX XXXX for {$820.00}. I tried calling XXXX XXXX XXXX XXXX XXXX and just kept getting transferred until I got frustrated and hung up. The third fraudulent account being reported is some type of loan with a company named XXXX XXXX XXXX for {$3700.00}. I have no idea who this company is and when I called them and advised them the I am a victim of identity theft and that I didn't authorize the use of my personal information to obtain this debt the representative laughed and said that I have to pay them or they will continue to report it to the credit bureaus.

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 2022-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The entire United States of America was in a GOVERNMENT MANDATED SHUT DOWN and I lost my job due to the Covid19 shut down, it took over XXXX YEARS to even get unemployment because it was so backed up. I am still recovering and the constant collection phone calls are ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 believe that I have been victimized of Transunions " inquiry issue. '' I do NOT recognize these inquiries and am requesting that they are deleted immediately as they are having a negative effect on my credit score. I contacted Transunion customer service and they would not help or take care of these negative inquiries that are being reported.

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 2023-02-07
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2018-06-07
Company: Account Control Technology, Inc.
State: OR
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Control Technology is attempting to collect a debt they say I owe. For XXXX XXXX in XXXX, Mn.. I do not owe this debt, My Identity has been stolen for the third time in a year, your agency has handle the first two successfully. please help once again. I have only been contacted by this collection agency by phone so far. and have written them and XXXX XXXX a letter to cease and desist further collection harassment as I have no legal obligation for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief