BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Ive attempted to contact PNC Bank multiple times and no one will speak to me about how much I owe and what my balance is to refi. Im trying to pay off this loan and unable to speak with anyone. Ive gone through bankruptcy about 9 years ago and Ive received zero notification as to where to send my payments. They cant locate my account and it may be closed. Theyre s no release on the mortgage and Im concerned because I have no idea of where to send my mortgage payment. I called several times on XX/XX/30 and attempted multiple times to reach someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name 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 2023-06-27
Company: EdFinancial Services
State: ME
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:
I have Direct federal student loans with EdFinancial and have run into several issues relating to the transfer of their loans to a new servicing system ( specifically relating to payment history and information on interest rates ). If I didnt work in the consumer advocate field, I probably would have thought that registering for a new account was a scam. It seems bizarre that Edfinancial can not migrate over its own information to their new system, and instead need users to register for entirely new accounts. I think this will be a huge issue for people when student loan repayment starts. 

Here is a timeline of events/description of issues : 1. I received an email on XX/XX/XXXX stating that effective XX/XX/XXXX, my loans would be moving to a new student loan servicing system and that two weeks after transfer begins, I would need to register for a new online account. 
1. Im pretty sure this email came after my account balance on their old system went to {$0.00}. It was very confusing to log into the old system and see " {$0.00} '' as my loan balance. 
2. Between that email and registering for my new account, at various times I was still able to log into my old EdFinancial account, which continued to show my loan balance at {$0.00}. 
3. On XX/XX/XXXX I registered for a new account. It appears that my loans have been transferred. However, there's no information about a loan that I paid off in XXXX. 
4. Concerningly, this new interface only shows the loan disbursements under " Account History '' and " Loan Details. '' It does not show any payment history. I have made many payments since XXXX that are not appearing on this new interface. 
5. The new interface also does not seem to show my loan interest rates- it just shows 0 % for every loan because of the payment pause. This is frustrating because I am in a position to make payments during the payment pause, and want to apply those payments to the higher interest loans. I also need this information in order to apply for loan repayment assistance with my XXXX school. 

EdFinancial needs to make loan payment history available on their new interface, as well as include information about the normal loan interest rates. Consumers should not have to make individual requests for basic information about their accounts. I need this information to make payments on my account and apply for loan repayment assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Roughly about XXXX weeks ago my husband and I both started receiving letters in the mail from CITI stating that we had opened accounts with them which we did not. We do not now nor have we ever had an account with them. We contacted them they wanted my Social Security number I refused, they asked me for the last for which I did give them the last four of my social. They had erroneous information for me. This was explain to them, it also showed that there was another person on the account by the name of XXXX XXXX. I have no knowledge of this person, who this person is, this person is no relation to me, and Ive never known them in my life. I did close the account. I am still getting letters from CITI About the account but when I call them does state that the account is closed. I do not think that they should show my credit report as it was explained to them that this was fraudulent. I never applied for any card with them.

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 2020-07-10
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was in the hospital in XX/XX/2019. Due to this. I wasn't able to work and didn't return to work until XX/XX/2019. During this time, My husband was making the payments on the credit card. For numerous months, he was given wrong information about payments and due dates. He informed the company of my medical issues and asked what could be done. One month, he was given the wrong date to pay by. After talking to different departments and different managers in those departments, we were told the card was closed and had been closed for months. We were never notified of the card closing or given information on how to keep it open. We asked if we could dispute it being closed and they were dismissive.

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 2023-05-22
Company: EQUIFAX, INC.
State: MD
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:
My name is 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$840.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The negative items displayed in your files does not meet FCRA reporting requirements. I donot recognize how and why the negative items is reporting please delete immediately. I never received a written notice of debt validation letter from anyone. I donot recognize how any of these negative accounts are reporting on my credit report. I donot recognize the account numbers I donot recognize the account status I donot recognize the accounts high balances nor do I recognize the late payments anything negative reported does not meet the FCRA requirements. The dates, amounts and accounts differ on all three credit reporting agencies. And all three agencies report inaccurate personal information my name is XXXX XXXX I only have 1 name not 4. I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, any other address on my credit report is inaccurate. I would like for you to delete the negative items immediately as well as the inaccurate names and addresses.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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 2023-01-30
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:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 
The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return ACCOUNT NAME : AXXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX - XXXX XXXX XXXXT # : XXXX I also sent these companies certified mail in dispute and they do seem to take care of this notice. Below is attachments of the certified stamps, consumer report, ID, XXXX, Bank statement. 

Sincerely, 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 2020-06-01
Company: EQUIFAX, INC.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Hello. I am dealing with U.S Bank. Account : XXXX. HELOC. 
For 51 years I was never late on a payment ever. I have missed 8 payments on my US Bank HELOC.  I have never once heard once heard from US Bank about this loan. 
They finally sent a letter and the number that have typed on the letter is wrong. I did get the right number, but its not the right number. If you call this number you go through the prompts, all the verification ( or don't do any of that and just wait for an operator ) and you inevitably get to a 'technical difficulties ' voice followed by a dial tone. I would happy to share the recordings I have of these calls. 

I have talked to people on the phone, but I was actually told, there foreclosure dept does not take incoming calls. What are they all finishing that back 9 at XXXX? This has gone on for the last three weeks. To really try and get through, they list a fax number. A fax does pick up I have send two letters to US Bank, a complete application for financial assistance on or about XXXX. and two letters  to their lawyers and one tonight to their CEO. 

I have been told by the receptionist at the lawyer, XXXX XXXX XXXX, that they are waiting for a document from US Bank and will the day they get it. I ask it anyone has done any work on this and they say, " no, the file is open but they have not received anything from US Bank. They have had time to bill US Bank and US Bank has billed me {$1300.00}. On a XXXX loan where my overdue amount it maybe {$3500.00}. 

I have redone my primary mortgage with help from Hardest Hit,. Woud US Bank consider matching setting the next paymetnt date at XXXX and absorbing the payments to XXXX? I woud be grateful if you could, I will be working shortly but their are a lot of bills. XXXX XXXX will pay the current arrears if US Bank will match XXXX XXXX XXXX and give me breathing room until XX/XX/XXXX, when i will pick up payments. They can pay this immediately. But we can't find anyone about anything. 

If anyone calls in with our account number XXXX, they will find they have DELETED the account number.

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 2022-07-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As of XX/XX/XXXX, PHH offered me a loan modification which I accepted. I submitted the required PHH documents inclusive of the PHH loan Modification application. On said PHH application, I clearly checked the box that I was divorced and also, attached a copy of my final divorce decree and Quick Claim Deed ( deeding my home into my name soley ). I also lined out on the PHH loan modification application the " co-accountholder ''. I fully disclosed to PHH that I was divorced and the loan modification would be in my name only as of XXXX. Due to PHH 's incompetence, I had to submit the same loan modification containing the same information and disclosures to PHH at least 7 - 12 times. Based on that same and consistent loan modification, I received several written approval for my loan modification from PHH. Said PHH approvals of my loan modification has several different ranging loan modification monthly payments from {$4700.00} to {$6200.00}. 
I have made 5 monthly payments of {$5.00}, XXXX ( 3 payments to satisfy the Trial Payment period and XXXX & XXXX payments ). NOW, as of XX/XX/XXXX more than 4 years of prior knowledge, approving me for a loan modification, and accepting 5 monthly payments, PHH has threaten me with a trustee sale and eviction. Offer, acceptance & consideration. PHH has a least breach of contract, deceptive business practices and has operated in bad faith.. PHH has violated both Federal & CA laws during this process with regard to both loan servicing and debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account GULF CST COL XXXX balance {$150.00} has just popped up on my credit report without ever communicating with me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a XXXX collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX 
I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation