BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: PNC Bank N.A.
State: AZ
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:
My loan was sold to PNC and transferred to them effective XX/XX/23, I was advised I am protected by RESPA for the first 60 days of the transfer yet they sent me a letter stating negative information has been reported to my credit. Why is PNC violating my rights as a consumer.? Also, I applied for a forbearance I was told by whoever signed me up that it was effective XX/XX/23 through XXXX. Now, I am being told my forbealrance is effective XX/XX/23 through XX/XX/23 very contradicting. 
Also, I was advised that even if I am in a forbearance I will still be reported late and delinquent to credit bureaus. 
PNC provides nothing but incorrect information and every representative delivers different and inconsistent information. My experience with PNC has been a night mare, worst servecing. 
I requested a supervisor while i was on the line yet XXXX refused to take my call. What a great service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
On XX/XX/23 XXXX XXXX  XXXX  credit fraud department called me and requested that I confirm my identity. I refused as banks do not usually call someone unsolicited. I told person that I would contact XXXX XXXX directly after verifying that the phone number is factually XXXX  XXXX fraud department ( XXXX XXXX ). I called them back and learned that someone had applied for their silver credit card on line using my social security number and birth date. I informed them that I did not apply to XXXX XXXX for any form of credit and that this was fraud/identity theft. I then checked XXXX, XXXX, and Transunion to discover that there was a hard inquiry from XXXX XXXX on my credit reports. This has been disputed and resolved at XXXX but XXXX and Transunion continue to show this XXXX  XXXX inquiry. An unknown address and phone number from the XXXX are was also shown by 2 of the credit agencies, which was disputed and removed. 

Transunion did state today that the thief did use my actual name ( without middle name or initial ), my social security number, my birthdate, but the unknown to me : address of XXXX XXXX XXXX XXXX, XXXX IL XXXX and the phone number ( XXXX ) XXXX " This is the same phone number and address that was disputed and removed from my credit report. 

I searched the phone number and address on line and found many numerous names associated to that specific ph and address information that seem to want to appear XXXX  yet the spelling oa say atypical XXXX  name seems foreign say some XXXX  or 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 2023-03-23
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: Personal information incorrect

Complaint:
i have reached out to all 3 CRA 's and they have violated me yet again. I have old address and information that does NOT belong on my report. I t is to be removed NOW or I will be filling out a fruad report with the FRCA, Inspector General of the US as well as a police report for identity theft. Any name that is NOT XXXX XXXX XXXX and any address that is NOT XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX MUST be removed from ALL of my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
americollect inc is a third party company reporting on my credit report this is break the law a third party company cant report on my credit report only the original creditor can Dear I am writing in response to your letter dated. ( copy enclosed ) because I do not belleve I owe what you say I owe. This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt; * ( 2 ) the name of the creditor to whom the debt is owed : * ( 3 ) Provide a verification or copy of any judgement ( if applicable ); * ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act $ 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: DC
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: Problem with personal statement of dispute

Complaint:
My name was included in the Equifax data breach which occurred between XXXX - XX/XX/XXXX but I was notified in XX/XX/XXXX. I wanted to file and official report regarding this breach since my data is on the dark web and there are several items on my personal non-public information credit report I don't recognize and I have to deal with consumer reporting agencies as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call 3 times a day 7 days a week, no messages are left. They just keep blowing up my phone.

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: TRUIST FINANCIAL CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
So there was a post on a local XXXX yard sale group from Monday, XX/XX/XXXX with XXXX photos and a first come first serve as of Thursday ( XX/XX/XXXX ) when they would be home from a family reunion... There were things like a huge water slide, golf cart, two cars etc and they were all at really good prices. Her name was XXXX XXXX. 
We messaged on that Monday with her about the car we saw on there and put a deposit down and were heading there today, XX/XX/XXXX when she all of a sudden became unavailable on messenger ( otherwise we were talking this whole time from Monday through last night and there were no red flags at all, no broken XXXX plus I did my own investigation checking that it was a real house and I even saw on XXXX that it had been put up for sale on XX/XX/XXXX and was currently under contract so everything lined up with what they were saying ) plus not answering call or text from the number she gave me. 
We gave {$700.00} via XXXX and my bank says they can not help which is RIDICULOUS They said we need to contact admins of the XXXX XXXX but I don't see how they can reimburse us the money and why it's their responsibility. And if course you can't get hold of XXXX themselves!!

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: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX XX/XX/XXXX Had to close a checking acct at Citi Bank due to losing checkbook. No longer had access to account online, message was " account closed no access '' Went to a local branch in XXXX, CA on 2 occasions. Requested copies of statements & canceled checks for calendar year XXXX. 
Told could give me copies of statements but not of cancelled checks being a closed account. Emphasized account used for payroll & needed cancelled checks for XXXX income taxes. 
XX/XX/XXXX Decided to call their XXXX service # to request and was given the same answer given at the XXXX, CA branch. 
Kept my appointment for filing of taxes on XX/XX/XXXX. Told by CPA the urgency of getting cancelled payroll checks. 
I file as self-employed. 
Please help me obtain a copy of cancelled payroll checks.

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: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX, I the victim of the fraud, am requesting that XXXX XXXX XXXX, according to section 623 ( A ) ( 1 ) ( A ) ( B ) cease reporting this inaccurate information to the consumer reporting agencies as I have previously requested, and l am aware that this is subject to a {$1000.00} fine per violation in addition to punitive damages. 
XXXX demanding remedy for the following -Fair Debt Collections Practices Act 15 USC 1692g -Fair Debt Collections Practices Act 15 USC 1692e -Fair Debt Collections Practices Act 15 USC 1692f -Fair Debt Collections Practices Act 15 USC 1692k - FCRA Section 623 ( a ) ( 3 ) - FCRA Section 623 ( a ) ( 1 ) ( a ) ( b ) = {$6000.00} TIMES TWO for the reporting of both fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
My complaint is in regards too an offer being offered by Capital One 360. When I logged into my mobile app, there was an offer that indicated if I opened a 360 Performance Savings account, depending on the amount of money deposited into the account I could receive a bonus up to {$1000.00}. My initial deposit would have been {$30000.00}. However, when trying to access the reward it disappeared and when I went back into my account it was no longer there. I called the customer service number and the associate that I spoke with indicated that this was a glitch and that I should not have received the offer for the award. He also indicated that three other people had called in with the complaint. 

Given that it was no fault on my end, and the fact that associate indicated that it was an issue on the bank 's side, the offer should have been honored. The fact that the bank has refused to honor a offer that they marketed to me is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I bought jewlery from Jared and signed up for their Comenity Bank credit card, which offers an 18 moth deferred interest term. The website for the card allows me to set up automatic payments on a monthly basis- but they do not allow you to change the date the automatic payments are made. The only date you can choose is the exact date the payment is due. This has the potential to be an issue if there some kind of failure, holiday, disaster, etc and the payment is not sent - I would most certainly be dealing with late charges. As a consumer I should be able to determine what day of the month my automatic payments are sent, just as I am able to do with any other credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I misunderstood the proper way to deposit money to my XXXX debit account and attempted to deposit using my XXXX debit card at a Mountain America Credit Union ATM. I have attempted to file a dispute with both banks and both have said they are unable to file a dispute. The amount in question was roughly XXXX in cash I would just like to find a way to get this money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Creditors Bureau Associates
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked for proof showing that this company did a service for me and my signature on the service that they completed for me. I still have never received that information from this company. I notice on my XXXX report that they keep changing the date opening. This account is only on my XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: AZ
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 following accounts are not mine, and these are fraudulent transactions of identity theft. 

1. XXXX XXXX services original creditor - XXXX XXXX- {$360.00} Date XX/XX/2023 XXXX. XXXX XXXX XXXX original creditor XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) Amount - {$6500.00} Date - XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Amount - {$690.00} Date - XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  Amount - {$1300.00} Date - XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
To whom it may concern, more than a week ago, the fraud department closed my bank account for complaining about the mistreatment and abuse towards me on several occasions, they did not let me make bank transfers and they did not pay the checks that I had signed since before they closed my bank account in an abusive way, just as they closed my account, I have called them many times and they have not given me a solution, regardless of the situation I was going through with my husband who recently passed away and even then they did not return my money based on excuses that my business XXXX  had paid me to my account and that was not allowed, and that they would return all the money that XXXX had paid me to date for the last few months, taking advantage of the fact that they have my money in the account since if they did not have that money they would not commit this abuse that has made me lose XXXX of dollars for which I want to file a lawsuit, and contact the right people to sue this area, I went to the bank and found myself They said they would call me the next day and to this day I have no answers, I asked them to return all my earnings to the XXXX company if they wanted to ask them to return that money, but they haven't even done that to this day, I await their answers thank 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 explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions 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 Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 2023-03-23
Company: Experian Information Solutions 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:
I have been unsuccessful disputing this information with the company directly so I am seeking your assistance in this matter. 
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 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 XXXXXXXX DUPLICATE The above accounts have violated my rights according to 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. This needs to be removed 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 non-monetary relief
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. 

Account name : XXXX XXXX XXXXXX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX, XXXX. XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account name : 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 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 non-monetary relief
Consumer complaint received 2023-02-20
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1631 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also stales a consumer reporting agency can not furnish a account without my written instructions ] I want the CFPB to publish this description on consumerfinance.gov

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