BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-04
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:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries. 

XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2021-11-20
Company: Consumer Portfolio Services, Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had bought a car from XXXX XXXX dellership in XXXX of 2021 XXXX weeks after i bought it the clutch went out on the highway and the car was in the emergency lane and then towed of the road by XXXX to a parking lot on XXXX XXXX in XXXX ky i was told it had a full drivetraine warenty by XXXX XXXX and even with this in writing thay said it was not i was left in a parking lot for seven hours unitill a friend got off of work and came and pick me up i am a XXXX veteran who is XXXX XXXX  XXXX this is how veterans are treaded in XXXX ky the finance companey Consumer Portfolio Services they were contacted that day the warenty and the dellership as well no one never made atemp to pick this car up a month and a half later the car still had not got pick up and soon came up missing i have try for weeks after the car went down to get help and got no help from no one i filled a police report and turn over the info to Consumer Portfolio Services with my insurance info for XXXX XXXX times the clame as of this day has still never been filled and i am getting harrast by them and by the insurance and the dellership there is foul play going on here from one of if not all three of them i don't have this car i have follow all laws they have the ones with shady past look up there history it speeks for itself i have contacted your office so many times for help still getting treated like XXXX by the credit bureas it did no good contacting you for help with them i was told you can handle this if i don't get some kind of help to get these low life criminals off my back i will take it public and filled a criminal complaint with the XXXX XXXX of the DOJ so i am asking one more time to help me this is what this office was set up to do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
debt is not mines due to identity theft

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Innovis
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:
My personal information had been stolen and account had been open in my name, I have been a victim in recent and passed data beaches, I had file an id theft report with the FTC, and I'm requesting these information to be block from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: National Recovery Service, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company calls from XXXX, and the caller ID shows it as being from either XXXX XXXX XXXX or XXXX. It is actually National Recovery. I do not have accounts with either XXXX XXXX XXXX or XXXX, and I have asked them to stop calling. They are hiding behind both of the companies to commit fraud. I don't know if the stores know that this company is spoofing their names. 

They call three or four times a day and are blocked on my cell phone.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-08
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX of 2017, I requested information from my bank to be sent over to my XXXX account. However, they are extremely slow with the these processes. This continues to be a growing problem because PNC Bank is very slow with updating account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion has locked my account on their service center platform, and is not providing any solution to unlock it, and is asking me to give up access to their online platform. This is not reasonable. If you think there are some potential fraudulent activities on my account, then verify the information with me, and ask me to change the password. I do not understand why you must give me a permanent lock to " protect '' 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 explanation
Consumer complaint received 2023-12-04
Company: CITIBANK, N.A.
State: AL
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:
Information on my credit report that I didnt authorized that was opened on XXXX XXXX with ( XXXX ) XXXX  XXXX {$5100.00} / ( XXXX ) XX/XX/2023 with 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 2021-11-20
Company: PNC Bank N.A.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I wanted to write down what my mortgage company told me as I wrote on the documents they sent me and you may not be able to read it. 
I called PNC on XX/XX/XXXX at XXXX a.m. I spoke with XXXX XXXX. I was hoping to get some positive directions on how we can fix our situation. I asked about the XXXX  documents they sent to us. I told them that I still have not found employment, and that I did have interviews coming up. I was originally told that they could add the balance owed to the end of the loan. They were also to add XXXX months on to our Covid relief program. I apply to jobs every day and have XXXX pages ( front and back ) of jobs I have applied to. Right now, we only have my husbands income coming in. With one income, it is a terrible decision on what to pay/buy - food/medicaXXXX bills, regular bills. 
I was told that they could not add the balance to the end of the loan as they stated because my situation had not changed nor had our income changed and we can not pay as of yet. 
They said they could resubmit another extension for forbearance, however, that would mean that they would resubmit for another XXXX months of payments and that balance would be owed as of XX/XX/XXXX which would be {$25000.00}. If we did this, they stated that the breach demand would stop. Right now, the letter we received says we would have to pay {$21000.00} on or before XX/XX/XXXX. I told them, if I had $ XXXX I wouldnt need to go through all of this. 
They told me that I could do a hardship document and we would have to qualify. They would need me to write a letter submit 30 days of income, XXXX bank statements and the last XXXX IRS tax forms. My question here is the last XXXX IRS tax forms do not show what our family is going through now. 
They told me to get credit counseling and did not offer any other suggestions. PNC is a very hard company to deal with. Prior modifications with this company only raised our monthly payment and did not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not familiar with this items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is not my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you. 

* XXXX - the balance on report says $ XXXX** There also incomplete and inaccurate information pertaining to the open date with 2 listed from XX/XX/2014 to XX/XX/2014.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: NC
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2023-11-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] SINCERILY 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 2022-11-01
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting Act. The following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. Account name : XXXX  XXXX Account number : XXXX Account name : 15 U.S. Code 1681 asserts : 15 U.S. Code 1681 Account Name : XXXX  XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : 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 ( a ) ( 4 ) I have the right to privacy.

15 U.S. Code 1681 Section 604a Section 2 : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c ( a ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) 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. Code 1681c ( 6 ) ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a {$200.00} gift card from XXXX on XX/XX/2023. I have not been able to use it at my landlord ( XXXX XXXX, XX/XX/2023 ), at XXXX ( XX/XX/2023 ) or at XXXX ( XX/XX/2023 ). The only transaction I have ever seen posted was a {$0.00} pending transaction on XX/XX/2023, which was reversed XX/XX/2023. 

I have contacted ( XXXX ) XXXX ; the representative " XXXX  '' simply confirm my card is valid, and also confirmed that the XXXX XXXX and XXXX transactions have been declined for security reasons. " XXXX  '' then asked me use the card elsewhere, but failed to tell me where the card would be accepted. " XXXX '' also asked me to call ( XXXX ) XXXX for customer service ; upon calling that XXXX number, there is only an automated message asking me to be sure to enter my card number, expiration date, and security code -- all of which I had done in the declined transactions. There is no option to speak to a live agent at the XXXX number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2023, I attempted to request a credit line increase on my Best Buy credit card issued by CITI. I attempted online and after I entered all of the information requested, it prompted me to call. I called and answered the same two or three questions with an associate who then pulled my credit and said my request was denied because my phone number did not match what was on my XXXX. I never provided a phone number and the number I called in from was a number I had on file with them for 10+ years. The associate would not provide me any details and told me to dispute it with the credit reporting agency but refused to tell me which one of the 3 they got the bad information from. I asked to speak with a manager who was as much of a broken record as the first person I spoke to. I told her that no one asked me for my phone number until after I was told I was denied because of my phone number not matching my XXXX. Again, she told me I needed to take my time and dispute with all 3 credit bureaus because she didnt know which reporting agency provided the information. 

I spent my time today trying to figure out what phone number was on file with XXXX because that was the Bureau that shows a hard inquiry from them on XX/XX/2023. I called and spoke with someone who advised me there was no phone number on my XXXX and they disputed the inquiry for me. 

It was a tremendous waste of my time and whoever is answering the phones at CITI and their managers should be educated enough to have a conversation with a customer. There are dozens of other attributes on my credit report that I could have verified. Additionally, I still dont understand what they meant when they said my phone number did not match my credit report, match what? They never asked me to verify my phone number and again there wasnt one on the XXXX they pulled, XXXX confirmed that!

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 2021-05-24
Company: Home Point Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a Verification of Mortgage today, XX/XX/XXXX which indicates " Number of Times past due -1 '' which is not correct ( See document attached ). 

I was approved for a Forbearance Plan for two months of XXXX and XX/XX/XXXX, and then I was approved for an extension for another one month for XX/XX/XXXX XXXX See document from XX/XX/XXXX, and a letter from XX/XX/XXXX attached ). However, these three months, or 90 days, in the Verification of Mortgage stated as " past due ''. 

Home Point Financial failed to comply with the Forbearance Plan Terms : " As a result of not making any payments on your mortgage during the term of the Forbearance Plan, we will suspend reporting any delinquency ''. 

This is my second complaint to CFPB about Home Point Financial issues. The first complain resulted in the correction of my statements and my outstanding principal balance. In their response to CFPB Case on XX/XX/XXXX Home Point Financial states all the steps of my mortgage history with them, including approval for the Forbearance Plan for two months and an extension for one more month. ( See document attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was informed by a lender that I have unsecured debts of {$5200.00} reported by XXXX XXXX, a collection agency. 

The credit card ending XXXX. 

I did not authorize anything. I don't have the card. 
I do not know if scammers are using the card. 
I have no idea what {$5200.00} is for.

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 2023-09-21
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, I am currently facing an issue with PayPal in which they are not providing me with any assistance. I have been using PayPal to receive payments for small online jobs such as answering surveys and completing microwork tasks. These small jobs have been helpful in supplementing my income and expenses. Some of the tasks I have completed include answering surveys, editing photos, removing backgrounds from photos, and writing articles. 

On XX/XX/XXXX, I received a notification that my PayPal account had been permanently limited/banned and that my funds would be held for 180 days. I immediately contacted their online support through the " Message Center '' on the PayPal website. I had worked hard throughout XXXX to celebrate the holidays, and now my account is being held without any explanation. The only answer I got from them are : " We've reviewed your account and determined that you're in violation of PayPal 's Acceptable Use Policy. Specifically, unapproved activities involving gambling, gaming and/or other activity with an entry fee and a prize. '' " I am sorry but we can't grant your request as we decided to permanently limit your account. We appreciate your interest in PayPal ; however, our decision to leave your account in a permanent limitation status is final. '' I want to assure you that I am not using PayPal for any gambling-related activities, and I would like to request that they lift the ban. I do not have any disputes on my account, and they can check as many times as they want, they will not find any gambling-related activities or disputes. I have always been compliant with their terms and conditions. 

I am hoping that you can assist me with this matter, and I look forward to hearing from you as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

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 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