BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-10
Company: PNC Bank N.A.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I opened a complaint on PNC improperly using my information to run a hard pull for a secure credit card on my personal checking account. Today I had a call with XXXX from their client executive relations office. I would like to inform the protection bureau that she threatened me saying i would have to subpeona the call if I could. She then said she did not know why I had called her. Further, she was not able to articulate her stance when i mentioned that I was with the XXXX XXXX branch this morning and they said that she would handle the issue without their interference. I am completely confused at this point as I did not sign up to obtain a card from the branch - yet a hard pull was conducted without my permission and PNC branch acknowledges that but the executive office is unable to comprehend that simple error - in fact it seemed that my english and accent was an issue. I am humiliated with this situation. 

I have also been threatened that I would have to open a case against PNC to get redressal on this issue. I am extremely worried that my mortgage would be used against me as a single mother and small business to try and deny me loans and credit along with housing along with age discrimination and XXXX harassment that has been ongoing from 2021. 

Please provide relief through an executive who does not insult her company when she is working with a client.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 federany Protected Consumer rights to privacy and Confidentiality under 15 USC 1681 Account name : fair collection & out Account numberXXXX Date opened : XX/XX/XXXX Account mame : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Has Violated my rights. 15 U.S. c 1681 Section 602 A States i have the right to privacy. 15 U.S.G 1681 section 604A Section 2 : it also states a Consumer reparting agency can not furnish a account without my written instructions. 15 vis. 1681 c ( a X5 ) section States no consumer reporting agency may take any consumer sepost containing any of the following items of information any other than records of Convictions of crimes Which antedates the report by more than seven vears. 15 US. C 16815 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.

privacy and Confidentiality under 15 USC 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: I.C. System, Inc.
State: TN
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 recently received a copy of my credit report and found an account that is not mine. The account is with collection agency I C System with a balance of {$260.00} and an original creditor of XXXX XXXX. I have never done business with either of these companies and this account is not mine. My name is XXXX XXXX XXXX, and my father 's name is XXXX XXXX XXXX. I believe this may be his account and if not this account is fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Main Street Personal Finance
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This is the second time I have received a call. The most recent message that I received is as follows : " This message is for XXXX XXXX also known as XXXX XXXX. Last four social XXXX. Mrs. XXXX My name is XXXX XXXX with XX/XX/XXXX. I'm calling in regards to legal documents that were submitted to my office today for two counts of financial fraud, Mrs. XXXX, I was actually looking at your documents ... in regards to XXXX XXXX XXXX, that's the attorney that foreseeing your bankruptcy file under the honorable Judge XXXX XXXX XXXX. Mrs. XXXX the bankruptcy fraud are some serious allegations. We need to discuss that and this video surveillance with you, and then make arrangements to contact your attorney and the judge to see what we can do about this ma'am. I need you to call the attorneys office at XXXX. '' end voicemail. 

This is the second call of this nature that I have received from this number. The original phone number that called me was XXXX. This number is listed as XXXX XXXX. I called back and the " receptionist '' XXXX XXXX. I asked for the address. I was given XXXX XXXX XXXX XXXX XXXX, NC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 68 times nonstop this is exhausting they are not putting these fraudulent inquiries in dispute and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help

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 2022-04-06
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: Personal information incorrect

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute the specific account in my credit file that does not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account immediately. 

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 2022-03-21
Company: Affirm Holdings, Inc
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or XXXX XXXX XXXX I would like to file this complaint against affirm XXXX XXXX finance and clothing what happened during XXXX i lost my job due too i have XXXX i can't work i was in the hospital for longtime i'm unable to make payment to the acct i have with affirm because i have XXXX and i call affirm i told them i won't be able to make payment on my acct due too i have covid but i was owed to affirm about {$7800.00} dollars but the acct almost pay off anyway i still owed only {$2100.00} affirm refused to wait for me to make payment soon i find another job to start making payment again affirm charge-off the loan and reported to all three credit bureau trash my credit score from XXXX XXXX XXXX this is not right well i'm looking for some help from CFPB to make affirm remove my name from all three credit bureau i need to get my credit score back to XXXX affirm violated the law about the pandemic affected all the american people life but i still owed 2 years rent to my landlord but he follow the pandemic he doesn't even talk to me he complied the pandemic law but affirm refused to complied with the pandemic law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Radius Global Solutions LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection agency sent me a letter stating I owe them ( for an XXXX XXXX XXXX  debt ) XXXX from XX/XX/2011. I called to tell this agency that I do not owe anything and that it is not right to try and come after me for debt I have no way of proving I do not over from over 10 years ago. First he tried telling me that I owe over XXXX. When I told him that was not true and that the letter itself was only for XXXX he changed the total. I always pay my bills so I know I definitely do not owe XXXX XXXX XXXX anything! Especially from so very long ago. Plus- we use XXXX XXXX XXXX now and they would have told us if we had debt. I think this company is fraudulent and trying to get money from me. This company is called Radius Global Solutions. I can not say the customer service representatives names or the supervisors name because they were all of a foreign nature and I can not pronounce or spell the names.

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 2020-05-11
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was searching for an apartment and the " owner '' of the home reached out to me regarding the home. He told me he moved to Florida and was working with a realtor who inflated the prices of the home so he decided to place the ad on XXXX. He told me due to Covid-19 that he was not allowing showings but we could drive by and see the place and check out the neighborhood. He sent me an application that I filled out which I completed. He told me if I am approved, he will mail me the keys since he was in Florida. I completed the application, he sent me a lease once I was approved, and I sent him the money for the security deposit and first month 's rent. Prior to sending him the money, I reached out to XXXX on XX/XX/XXXX and asked them what would happen if I send money through the bank and I do not get any keys. The rep told me I can do a dispute to get the money back. At first, I tried to do the transaction through XXXX. I was unable to do so and called the bank again for assistance. I was transferred to another department. After a while, I sent the money through XXXX with the assurance from the rep that if anything fell through, I would be covered through the bank. I sent {$850.00} on XX/XX/XXXX and XXXX. Once the money was sent I was under the impression, the keys will be mailed out to me. He told me will mail me the keys and that is when I realized it was a scam/fraud. After he received the money, he asked for more money. I told him I was not sending him any more money and wanted my money back. He refused to give me my money back and proceeded he will send me the keys and I have not heard back from this person. Afterwards, I reached out to XXXX and explained to the rep what happened ( XX/XX/XXXX ). She started the claim and told me to reach out to the Zelle dispute team to try and stop the second payment. The next day, I reached out to the Zelle dispute team and she marked the email address as fraud to prevent this from happening again to someone else. The following Tuesday XX/XX/XXXX, I called back to file a claim for the second {$850.00}. About 10 business days later, I received a letter that the dispute was declined based on findings. Under normal circumstances, I would not have sent money via zelle. But since we are in a pandemic and people do not want to meet face to face, I was optimistic about the situation. I did not gain anything from this transaction except a loss of {$1700.00} and the service/agreement was not fulfilled. I am told by the bank that Zelle does not protect consumers who have been scammed or frauded out of money which is horrible! There should be some sort of rule in place to help people get their money back especially during a pandemic when funds is already limited. The fact that I trusted a service and is not protected is very disheartening,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: IL
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 federany Protected Consumer rights to privacy and Confidentiality under 15 USC 1681 Account name : fair collection & out Account numberXXXX Date opened : XX/XX/XXXX Account mame : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Has Violated my rights. 15 U.S. c 1681 Section 602 A States i have the right to privacy. 15 U.S.G 1681 section 604A Section 2 : it also states a Consumer reparting agency can not furnish a account without my written instructions. 15 vis. 1681 c ( a X5 ) section States no consumer reporting agency may take any consumer sepost containing any of the following items of information any other than records of Convictions of crimes Which antedates the report by more than seven vears. 15 US. C 16815 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.

privacy and Confidentiality under 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Both XXXX as well as XXXX XXXX have violated my rights within the Fair Credit Reporting Act. They resubmitted debt on my credit report without any additional information provided. As protected under the FCRA section 611 I demand that this information be deleted from my report immediately. 

XXXX XXXX XXXX XXXX XXXX I feel that since the beginning of the pandemic, the FTC has not taken corrective action against creditors to protect consumer rights. Please protect my rights by deleting the following information from my 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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 found inquiries on my credit report that do not belong to me

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 2023-05-02
Company: EQUIFAX, INC.
State: OR
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 my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2022-03-21
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My credit card with Citi has been blocked multiple times within a month. 


Last time the card was blocked when I tried to do purchase at the supermarket via chip payment on the card. I have tried to reach out to the fraud department of Citi multiple times each time the fraud depart has trouble authorizing me. 
- They asked phone number on the account but that was not good for verification. 
- They promised to send me a link for recovery over email - I never received one. 
- They asked to provide another phone number - that was not good for them too. 
- They asked me to provide a person at my job to verify my identity. 

Sharing my personal information is 3rd party is against the Gramm-Leach-Bliley Act.

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 2022-12-28
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2020-05-11
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an online banking account with Citi on XX/XX/19. 
After accessing my account once or twice online, I was asked to submit a confirmation code ( presumably by text ) - except that I had given my home/land line number when signing up. I called and asked to have my phone number switched to my cell, but was told I'd have to wait 30 days. Since that time I have been unable to contact Citi. I've tried using their app, email, and standard/snail mail as well as calling several different numbers dozens of times. I've also tried accessing my account online again, but since I've never submitted a confirmation code it appears as thought my online access has been 'locked '. 
I have a balance that I have no access to, and have been unable to get ANY help from Citi.

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