BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: CITIBANK, N.A.
State: TX
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:
Hard Inquire reported on my account is inaccurate. Needs to be removed, it is damaging my lifestyle. 
XXXX Inquiry Date : XXXX Removal Date : XXXX Type : Department and Variety Stores XXXX non specific It is being reported on my credit and damaging it. PLEASE CORRECT and REMOVE 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 2023-03-19
Company: PNC Bank N.A.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Car was sold in XXXX to XXXX. 

I no longer had the car in my possession XXXX  had the title and I signed the car over to them. It was no longer my responsibility for that car. 

Long story short Ive gotten two late remarks on my profile for XXXX and XXXX. When I no longer had the car at all. Ive told PNC Bank the issue and they said it was a error on their end. So I asked them what I should do they told me to send a letter to head quarters. Ive done that numerous times and never got a response. So now Im here sending a complaint because they refuse to fix the issue and its very stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX on XX/XX/2022 pulled my credit and I did not apply for anything XXXX XXXX Bank pulled it on XX/XX/2022 and I did not apply for anything 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 explanation
Consumer complaint received 2023-03-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had an account with Wells Fargo years ago, approx. XXXX I was charged numerous overdraft fees and had my account closed. I just heard they just reached a settlement for this exact issue and I was never contacted in regards to 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 2022-07-22
Company: EQUIFAX, INC.
State: IN
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 received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a lil more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure 1 they are, I also read something called the fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a ) 7 I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted it they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing of not correct on them. 
Accounts Account Name : XXXX XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account name : XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the Free Lawyer Guy. Could you please send it to me? Also, please let me know who had access to my file as I want the investigation outcome to be sent to my address I put on the from area Thank you for your time and help in this matter.

Also I sent this same letter out to all 3 bureaus with no response on XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 convergent : 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 15 usc 1681 section 602 A states I have a right to privacy 15 usc 1681 section 604 A section 2 states consumer reporting agency can not furnish a 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 2023-08-24
Company: EQUIFAX, INC.
State: IN
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Franklin Collection Service, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company, FRANKLIN COLLECTION SV, purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002, I am a natural person which means the name in all capital letters is not me. My name is XXXX XXXX XXXX XXXX. XXXX5 USC ( A ) ( 1 ) The term " bureau '' means the Bureau of Consumer Financial Protection. XXXX XXXX, XXXX, and XXXX are assumed to be credit bureaus but there is only one bureau and that is the consumer financial protection bureau. 
On XX/XX/1933, Congress enacted HJR 192 to suspend the gold standard into abrogating the gold clause. This resolution declared that " whereas the holding or dealing in gold affect the public interest, and or therefore subject to proper regulation and restriction, and whereas the existing emergency has disclosed the provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of Congress... In the payment of debts. This resolution declares that any obligation requiring payment and gold or particular kind of currency or an amount in monetary policy ; and ... Every obligation heretofore or hereafter incurred shall be discharged upon payment, dollar for dollar, and any coin or currency which at the time of payment is legal tender for public and private debts. 
15 USC 1681 ( 3 ) ( E ) ( e ) the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mold living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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:
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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604A 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 reporting agency

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 2019-02-06
Company: PENTAGON FEDERAL CREDIT UNION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX is offering personal loans as described below : " XXXX PERSONAL LOANS NO ORIGINATION FEES. NEW RATES AS LOW AS 6.49 % * '' I applied for this loan, however, was offered 9.99 % rate. When I called and inquired as to why I wasn't offered the advertised rate ( my credit score typically ranges from ~780-820 ), I was told that was because I'd need an 830 credit score to qualify for that rate. When I complained that I felt what they were doing was false advertising, they argued that credit scores go up to 950. This is very much a lie. Being in the XXXX XXXX, I quickly queried a database of 150,000 mortgage applicants, of which only 4 had over an 830 credit score, with the highest credit score being an 840. Based on my data, less than .0026 % of credit worthy applicants have an 830 credit score or higher. I personally feel that advertised rates where less than 5 % of the population would qualify for, borderlines on false advertising, however, what PenFed is doing is significantly worse. 

In my opinion, XXXX is advertising a rate that virtually no one qualifies for, which is very much false advertising.

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 2022-07-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I sent a completed loan modification and assumption packet on XX/XX/XXXX via fax after several other attempts to get them the documents. They did not approve it until XX/XX/XXXX despite having all the information. I had to go into forbearance when my job got canceled due to COVID, and my alimony stopped. I have to assume the loan or refinance as part of my marriage settlement agreement. I have a past due balance of approximately {$49000.00}. I have paid on my home XXXX, and put my pension down on my home, so my equity is important to me. Because of the delay I was not able to receive a better interest rate and it cause the amount of my forbearance to be higher. The loan modification placed the forbearance amount in a second lien on my home. I called Penny Mac to make them aware that I qualify for PHAP and that I received communication that I would receive funding in a couple weeks to pay off whatever I couldn't pay due to forbearance. I called Penny MAC on several occasions to make them aware of this. If they put the funds into the second lien it will not show up that I have a past due balance and the grant will not pay. Penny MAC doesn't seem to care. Can you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions 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:
Open Date XX/XX/2018 XXXX {$89.00} XXXX XXXX  XXXX Let a person open a account in my name and XXXX XXXX  XXXX sent a credit card to a PO Box this account is not my account at all, I did not no this company had existed, Sending a card to a PO Box is a red flag but no this company sent the card anyway to a PO Box that I do not own, also they told me another address when I talked to them that I never lived at both address was never my address I never lived there, and the phone number they gave me was never my phone number NOTHING MATCHES ME, this account needs to be removed asap/immediately from all 4 credit reporting agency and my credit report or me and my team will take legal actions. I have no idea who this company is. I have filed all necessary complaints.

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 2023-03-20
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX Account XXXX : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XX/XX/2022 XXXX 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 or 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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
There are alot of car places on my credit report and I never tried to get a car loan I'm XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so these car loans requires are not mine there's like XXXX of them on here and I need them off my credit report I've been XXXXXXXX XXXX XXXX  and haven't XXXX XXXX XXXX since then so could u please help 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 2020-10-13
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
DEPT OF EDUCATION/NELN Ive never done any business with this company. I never signed a contract with this company. No one has any permission from me saying that I agreed to do business with them either. Therefore, I want this item deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: MS
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 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 a account without my written instructions. ( i never gave XXXX XXXX permission to furnish an auto account on my consumer report. ) 15 U.S.C 1666B : A creditor may not treat a payment on a open end consumer credit plan as late for any purpose. ( XXXX XXXX has reported several late payments on my Experian and XXXX consumer report, under an open end consumer credit plan. )

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 2020-06-17
Company: Williams, Rush & Associates, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 @ XXXX est. I spoke with a representative form William rush about an inflated debt. I asked this debt collector to produce all documents of payment history, fees and how their company is saying that I owed the XXXX. I informed the representative that I was by law entitled to all documents. I also informed the representative that I have proof that I didnt owe as much as William rush is claiming I owe.The representative stated that she would email me all documents that I was asking for. I never received any documents.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation