BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-16
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: Reporting company used your report improperly

Complaint:
15 USC 1666B States that a ceditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose account # XXXX Auto loan with 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 2023-11-18
Company: FinCo Services Inc DBA Current
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a Current credit card that I have never applied for. Contacted the company to let them know and asked to be provided more information but they responded that I needed a warrant, subpoena, or other formal law enforcement request. Now I am worried that somebody has stolen my identity but this company wont do nothing to help the person affected ( me ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: CA
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 is in regard following account ; Alleged Creditor : XXXX XXXX  Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

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 2023-12-07
Company: NCB Management Services Inc.
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A new ( er ) collection popped up on my report for {$1600.00} NCB/XXXX XXXX XXXX XXXX XXXX XXXX 

Reporting this debt with bad data in order to extend life of debt. 

XXXX customer service was not helpful, but account specialist in XXXX collections said : Account sold to NCB : {$1600.00} XX/XX/2017 She did not have any further data : specifically the last payment made/payment history/DOFD ( 30 days, etc ). 
Ive challenged this with the 3 bureaus but they have not posted the DOFD, and they state NCB is asserting that last payment made was XX/XX/2017 but that is the date it was sold to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used a Citi ( R ) Card MasterCard ending in XXXX to pay for my trip from XXXX to XXXX on the website XXXX. A travel agency XXXX XXXX XXXX XXXX. XXXX issued two tickets : XXXX - XXXX - XXXX XXXX ( ticket # XXXX {$180.00} ; attached file " XXXX ) and XXXX XXXX XXXX XXXX XXXX ( ticket # XXXX ; {$700.00} ; attached file " XXXX ). The first flight to XXXX was delayed and I missed the connecting flight. I called XXXX XXXX trying to reschedule my flights XXXX XXXX and XXXX. The airline agent couldn't offer me any flight during the next three day and I asked him to cancel the ticket and to refund. He explained me that only the booking agent ( XXXX  ) can cancel the ticket and request the refund. He gave me XXXX 's phone number and I called them. The XXXX agent agreed to cancel both tickets and seek refunds from the airlines. The itinerary was canceled. 
Later I received the emails from XXXX that asked to confirm the cancellation request. One of the emails informed me that I had to apply for refund of the XXXX XXXX ticket. I did that. 
On XX/XX/ I received an email from XXXX XXXX ( see the attached file " XXXX '' ) that stated that they had refunded the amount of {$100.00} on MasterCard ending in XXXX. I assume that this is the XXXX MasterCard that was used to pay for the ticket. 
I didn't receive any email or call regarding the XXXX XXXX refund ; however, its agent told me during the call that they would refund the cost of the ticket. 
XXXX collected the airline refunds and didn't transfer them on my Citi ( R ) Card MasterCard ending XXXX that was used to pay for the booking. I sent them messages regarding the refunds and didn't get any answer. 
I called to Citi ( R ) Card office and asked to dispute the transaction ( {$880.00} ). It was a payment to XXXX for two tickets. The billing dispute department of CitiCard initiated a cancellation dispute with XXXX and received a misleading response on XX/XX/ ( see the attached file Citi_dispute_attach.pdf ). The response described my communication with them regarding the first ticket and didn't mention the refunds for two tickets that XXXX collected from the airlines. I sent an email with attached documents ( see the attached file XXXX ) to the department describing the essence of the dispute. The department refused to consider documents related to fraud committed by XXXX ( see the attached file Citi_dispute_update.pdf ). 
I have repeatedly appealed to the department staff with a request to reopen the dispute as a fraud investigation, but this did not happen. It looks like the department procedures facilitate fraud. 
XXXX company XXXX XXXX XXXX, which owns the website XXXX, committed fraud, and Citi Card condoned it.

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 2023-12-08
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
5 years ago I opened a personal account with PNC Bank. I used this account for a solid 2 years and out of the blue PNC closed my accounts and sent me a check in the mail. I called them and they advised they had the right to close my account without a reason. Ever since that happened I have not been able to get approved for a checking account anywhere. I have called many times and they always advise that they don't have to provide me any information relating to the account or to why I am getting denied a account. 
Over the last two weeks I worked with PNC bank XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and she was helping me to open XXXX business accounts for my company XXXX XXXX XXXX. After a 3 hour meeting with XXXX this week she was able to open the accounts. The next day those accounts were closed by PNC. I then called customer service and they advised me that I would need to see XXXX the bank XXXX to explain what is going on. I now have been emailing XXXX for XXXX days back and forth and she has advised me that I need to transfer all my businesses to my husbands name so he can open an account with them. I asked why and what is going on to make PNC not let me open an account with them via XXXX or XXXX. She is unable to provide any information about the denial. My concerns are did PNC open a extra account in my name to boost numbers and that account was used by a worker and was closed and this is why I cant get accounts with PNC or any other bank? Or is it based on my heritage that I am part XXXX? I just want a clear answer to what is going on to cause all of this. I never had any issues with banks until I had a PNC account. I am worried that PNC has maybe leaked my information or ruined my changes with ever getting a bank account now. I never had any charge off accounts or anything negative. Please advise on what I should do and if I should pursue legal help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 currently have two accounts three inquiries and a incorrect address appearing on my credit reports.

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 2023-12-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I started and paid for my quote with XXXX in XXXX for my policy to start in XXXX. My final month with XXXX was in XXXX because they tried increasing my insurance from {$230.00} to almost {$370.00} a month. I advised XXXX XXXX when making the payment that XXXX would be my final month and I have already started service for XXXX with XXXX. I do not owe XXXX XXXX a dime and the collection needs to be REMOVED from my credit file indefinitely! These practices are unethical and it is wrong to charge someone for services they canceled and paid their final charges. Please remove this account from my credit report! This is my credit and my life that is being sabotaged! I DO NOT OWE XXXX XXXX A DIME!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-10-03
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presun that no proof of the alleget debt, nor therefore any such debt, in fact therefor exists.

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: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX, Equifax, and XXXX are housing and inaccurately reporting my non-public personal information to nonaffiliated third parties for unjust enrichment. As required by 12 CFR 1016.7, I was never provided a clear and conspicuous notice accurately explaining my inalienable right to opt out of my nonpublic personal information being shared with nonaffiliated third parties as provided under 12 CFR 1016.10 ( a ). XXXX XXXX did NOT provide reasonable means by which I may exercise my right to opt out. This gross negligence is placing a restraint on my ability to operate in commerce and severely impairing my inalienable right to Life, Liberty, and the pursuit of Happiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
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:
I need to tell you that I am a victim of identity theft and I complain to question specific items 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 an alleged fraud or extortion. 
XXXX XXXX Balance : {$330.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX  XX/XX/2022

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since XX/XX/2023 I have been trying to get my credit report updated with correct information. I have disputed incorrect information on my credit report XXXX times via Certified XXXX mail and on Transunion 's website. I explained that the bankruptcy record was incorrect and asked for the deletion of the record. explained to Transunion how the information being reported was incorrect. I also disputed the information with XXXX, a known data furnisher. The bureau failed to remove the record from my profile, despite erroneously and impartially reporting data about me. I educated myself on my consumer rights. To my understanding, all information being reported about me must be thoroughly correct, otherwise, it should be removed from my credit report. After several attempts, Transunion has failed to remove the incorrect record. I also requested information on how Transunion investigated and validated the erroneous information. I asked who furnished it. 
XXXX provided me with a letter stating that they contacted Transunion to update them regarding unverifiable consumer data. I have attached that letter. Transunion has not removed the public record from my report nor have they told me who validated the information.

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 2023-03-21
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/, I was notified that payments had not been done after I had set up automatic withdrawals from my credit union. When I called the credit card reps I informed them that no payments had been taken out of my account to verify my routing numbers since the credit card did not have the correct info I proved the same routing info multiple times. The credit card that I had with XXXX XXXX XXXXXXXX became XXXX. I again related the information that all of my information was being entered incorrectly I was told that a letter would be sent in to adjust the late fees, On XXXX XXXX I again followed up and was only given a transferred to another representative. The phone was disconnected. 
On XXXXXXXX XXXX I followed up again on my request to have this credit be corrected since my car loan was declined due to this late fee report showing on my credit report. Again I was given this number to customer service at XXXX ( XXXX ) XXXX When I called this number there is no answer and it automatically disconnects you. 
Please assist me in getting this corrected as I am working so hard to repair this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: DE
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 Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: AmeriHome Mortgage Company, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Approximately a year, or a little more ago I obtained a VA mortgage through XXXX XXXX XXXX. Throughout this process I opted to escrow my home owners insurance. 

XXXX XXXX XXXX sold my loan to XXXXXXXX XXXX. Shortly after this mortgage company obtained my loan I realized my insurance has lapsed, which confused me because my home owners insurance was still escrowed, and should have been paid by my mortgage company. 

I called XXXX XXXX ( who was my home owners insurance company ) and asked them what was going on. They informed me that XXXX XXXX XXXX never paid my homeowners Insurance. 

At this point I got both XXXX and XXXX ( who purchased my loan from XXXX ) on the line at the same time, and found out what the problem was. XXXX agreed to reinstate my policy, and XXXX agreed to make the payment. 

Fast forward to 3 days ago I found a really bad water leak outside my foundation, flooding my crawl space. I called a plumber, the city, and acted quickly to resolve the problem the best of my ability at this time, to avoid any further issues. 

I then called XXXX to see what was covered, and to my dismay they informed me that my policy had once again been cancelled due to non payment. I, at a complete loss, call my... now XXXX mortgage company after XXXX sold it to Freedom Mortgage, and they inform me they have my policy on file, the same policy that is currently cancelled due to non payment. 

At this point I get both XXXX, and XXXX on the line and spent SEVERAL hours on the phone deducing the problem. 

We all three came to the conclusion that XXXX XXXX paid XXXX 3 months late, resulting in a cancelation, and reversal of {$1600.00}. 

XXXX states that they sent that check to me, however I have to this day never recieved a {$1600.00} check. 

I now look at my escrow account and see with Freedom Mortgage that I have a balance of {$2800.00} approximately. A mortgage account that show I have active insurance, a {$1600.00} missing check from XXXX. 

I also have a Mortgage company that failed to make my homeowners insurance payment resulting in over 6 months in lapped coverage, and future higher premiums, as well as water damage to my house, physical labor that I have to complete on my own, taking time off work, and a house of XXXX children ( XXXX who's XXXX ) who currently don't have running water in the house for the passed 3 days and counting

Company response to consumer: In progress
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 XXXX XXXX currently have some fraudulent accounts and inquiries appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone stole my new debit card from the mailbox. They activated it and stole money. 
They somehow have my social security number too probably due to the XXXX leak. I called Experian to have them put a freeze on my account and mark my account with a XXXX XXXX. They supposedly did and said they would send me an access Pin in the mail. However, I realized after I hung up that if they send me a access PIN in the mail it will likely get stolen since someone is stealing my mail. This is how my debit card was stolen in the first place. I've been trying to call Experian back to ask them not to send me a PIN through the mail. This pin XXXX give these thieves access to more of my information. Experian has decided they do not need to answer any calls from consumers unless they need a XXXX or a credit fraud alert added to their account. I assume it is the law that they have to be available for fraud alerts and freezes. Since I already have XXXX placed on my account there is absolutely no way to talk to a live person. They have control of my credit and they refuse to transfer my call to a live agent. They refuse to speak to consumers.

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