BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 at XXXX, I received a phone call from XXXX ( XXXX ) XXXX stating that a woman by the name XXXX XXXX in Florida made an unauthorized, fraudulent transfer through XXXX on my PNC account in the amount of {$2500.00}. Throughout this phone call, the man kept saying we were on a recorded line, and kept reassuring me this is what I need to do to prevent the XXXX transaction from posting to my account. 
I was asked to verify my home address, phone number, account numbers, and the exact dollar amounts on my previous two transactions on both my debit and credit cards. I was asked to verify the exact dollar amount of funds in my checking account, reserve account, and short-term growth account. I was told the next step in order to cancel the XXXX transfer was to complete a wire transfer to a case manager. The case manager 's name was XXXX XXXX ( XXXX XXXX ). He then prompted me to enter my home address, email address, and phone number as the recipient. He told me I need to wire transfer {$2500.00} to the case manager and my funds found be immediately returned to my checking account. He asked me to state the confirmation number. He kept asking me to log out of my account and then log back in. He said the transfer did not go through so I needed to send {$2500.00} to another case manager, XXXX XXXX ( XXXX XXXX XXXX XXXX  ). This wire transfer was completed. He asked me to transfer the amount in my reserve account to my checking account. He asked me if my PNC debit card is linked to XXXX XXXX, XXXX, XXXX etc., and I said it is linked to XXXX XXXX. He promptly sent me a text message from XXXX ( XXXX ) XXXX requesting {$520.00} through XXXX XXXX, Manual Dispute id : XXXX. At this point I told him I do not feel comfortable clicking the link for the apple payment and he reassured me that this is standard procedure to get my funds back. I hung up and called the PNC fraud alert line. They told me there is nothing I can do at this time and it will be under investigation. They told me all I can do is call back tomorrow, there is no guarantee I will get my funds back from the wire transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Yamaha Motor Finance Corporation USA
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 status incorrect

Complaint:
My account with YAMAHA MOTOR FINANCE CORP has been charged off yet they continue to report both the charge off and late payment every month. I'm being penalized XXXX for the same account. I checked my on line account with Yamaha and they have a monthly payment due each month, yet there has been no agreement after the charge off. I've contacted XXXX and XXXX. XXXX advised I call Yamaha directly on XX/XX/23. On XX/XX/23 I called Yamaha in which they transferred me from several departments to redirect me back to the credit bureaus. 

I'm trying to get clarification on the how the information is being reported but no one is able to answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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  Account # XXXX has violated my rights. 
15 U.S.C. section 602 A. States I have a right to privacy.

15 U.S.C. section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without any written instructions.

15 U.S. Code 1692c states : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any 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 2022-10-19
Company: EQUIFAX, INC.
State: MA
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  Account # XXXX has violated my rights. 
15 U.S.C. section 602 A. States I have a right to privacy.

15 U.S.C. section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without any written instructions.

15 U.S. Code 1692c states : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: MA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
To whom it may concern : I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before it is shown to anyone else, because if not, then there will just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately. 
Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. 
This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. If you do not take action and comply with my request, I will have no choice but take legal action against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Hello there! I had opened my ulta credit card inthe store like XXXX and After that I tried to pay it off every month. But in covid, I was not working and they kept charging me interest rates for my purchases for XXXX. I tried to contact them but they always used to hang on me. I am a student and I had part time job and I have other credit cards with this company which have similar interest charges. I do not understand if I did not make any purchases after XXXX, then how I am still paying the all the credit cards. This company had overcharged me and also they call me consistently if I did not able to pay them. Their website always used to collapse, which makes me harder to pay the balance. I wanted to close their credit cards but looks like forever paying their debt. I think I am not the only one with this issue since I had read some other people post on XXXX about the same issue. I would like to request you to please help me with this. I had attached my XXXX statement and XXXX statement so you can see how I am still paying for XXXX bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX 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 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; CAPITAL XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$880.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXXXXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Atlanticus Services Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I accepted an offer for an Aspire Credit card in XX/XX/2019. Card account was opened. My first statement dated XX/XX/XXXX had the following fee assessed.

Trans Date Post Date Description of Transaction or Credit Amount XX/XX/19 XX/XX/19 ANNUAL FEE {$170.00} This annual fee is exorbitant and was not clearly communicated to me when I opened the account.

I communicated to the lender asking them to refund or close the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Some time in XXXX-XXXX, Citibank opened a checking plus account without my authorization. The only authorized accounts I have with Citibank are checking and savings. In XX/XX/XXXX, I inadvertently wrote a check for an amount that was larger than my checking account balance. The check wasn't honored by the financial institution where the recipient of the check attempted to deposit it. I then immediately transferred an amount sufficient to cover the value of the check from my savings account to my checking account and wrote a new check. The new check was honored. Unbeknownst to me, Citibank activated the checking plus account, gave me a loan I didn't ask for and deducted interest payments form my checking account, all while having dishonored the original check. Upon learning of this in XX/XX/XXXX, I immediately paid off the " loan '' by transferring money from my savings account to the checking plus account and asked that Citibank refund the interest it has been charging. I also asked for a copy of the account opening agreement for the checking plus account. Citibank, citing the " research '' it conducted, refused to refund me my money. Citibank also failed to produce the account opening agreement, with no explanation.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding an alleged INQUIRIES. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the INQUIRIES. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian dispute finished on XX/XX/2023 did not remove the incorrect information. This is in regards to the XXXX account being furnished on my report incorrectly.. Term length specifically. If it was properly investigated, it should have been removed with the initial dispute. Term length is incorrect showing XXXX months. That is absolutely false and misleading and account must be removed. I just submitted another dispute today the XXXX of XXXX requesting the removal of 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 2023-03-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act, XXXX XXXX ACCT : XXXXhas violated my rights. 

15USC 1681 SECTION 602 STATES i have a right to PRIVACY 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under OPEN END consumer credit plan as LATE for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have for the past 7 months been sending requests to the CFPB about the inaccurate and incomplete information that continues to remain on my credit file with TRANSUNION. The account XXXX XXXX is ONLY reporting on my Transunion credit file, it is not on any other field. Not only is this account still reporting inaccurate and incomplete information and I have requested this to be updated by the bureaus since XX/XX/2023, but I am also submitting another request. The law states that all information must be complete and accurate and if the request takes more than 30 days the items should be removed from the file. 
The 2nd account is reporting inaccurately and with different dates, different amounts, different notes in the description this is a violation. 
Account : XXXX XXXX XXXX $ XXXX orignal creditor XXXX- DATES ARE DIFFERENT, AMOUNTS ARE DIFFERENT AND THIS ACCOUNT ISNT ON XXXX. Only Transunion and XXXX, this is a violation as all information should be complete and accurate. 
Accounts : XXXX XXXX XXXX {$1500.00} is still also reporting inaccurate information with TRANSUNION and different information with XXXX AND XXXX XXXX this is a violation.

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 2019-07-30
Company: Experian Information Solutions Inc.
State: NJ
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am trying to login into my account and its telling me its not active! I am trying to get my reimbursement from the settlement with Navient!! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Experian Information Solutions Inc.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian Website does not allow you to upload supporting documentation into the dispute section, it deliberately will kick you out of the website before you have a chance to upload. This is Fraud and Racketeering is what they are doing. It needs to stop. They are affecting millions of families and their credit with their anti-trust violations that they repeatedly keep getting away with. They are reporting false information on my personal report, and refuse to allow me to dispute this. Along with XXXX and 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 2023-12-05
Company: Maximus Education, LLC dba Aidvantage
State: IN
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:
Aidvantage refuses to properly process payments and apply them to loans as appropriate. They send a bill wil the total due. They do not tell you that you need to make individual payments to individual loans in the bill they send you. They then penalize you for not paying a loan that should have put the payment towards. They tell you that you are delinquent. And that it is your fault for not paying the loan. They then tell you to mail the payment with a note saying how much goes to each loan. They then take 8 days after it arrives by certified mail to process the payment. After this they again send you another bill saying youre delinquent and owe more. They refuse to fox the issue and try to force you into autopay.

Company response to consumer: Closed with explanation