BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Georgia XXXX To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Fraudulent Inquiries : 1. XXXX XXXXXXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX 3. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you written permission or my consent to furnish this information onto my credit report or consumer credit file. 
This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.

Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes.

Furthermore, I also demand you, produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Georgia XXXX Without Recourse UCC 3-415, All Natural Inalienable Rights Reserved

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 2022-01-13
Company: Genesis FS Card Services, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This is a complaint from a consumer natural person pursuant to the Truth in Lending Act ( XXXX XXXX XXXX ). On XX/XX/XXXX of XXXX, XXXX XXXX denied my consumer credit application for an INDIGO XXXX XXXX. This adverse action is a direct violation of the Equal Credit Opportunity Act ( XXXX XXXX XXXX ( XXXX ) ). I the consumer and applicant in good faith exercised my right under the Consumer Credit Protection Act. Because XXXX XXXX wrote the XXXX discrimination disclosures at the bottom of the letter, it shows that they knew of my rights which means they knowingly and willfully abused and damaged my life by being non-compliant thus making themselves civilly liable. Lastly, i have attached a photo of the approval requirements stated by XXXXXXXX XXXX  themselves. None of those requirements are mentioned in the reason given for the adverse action. " Recently opened Milestone account '' was not disclosed to be means for disqualification. I really don't understand how XXXX XXXX could think that consumers aren't credible for their own credit when banks don't loan money pursuant to XXXX XXXX XXXX. Especially since they are XXXX insured. What money are they expecting when the United States is responsible for debt obligations and bills of credit which means I have perfect and unlimited credit. This type of practice undermines public confidence in the banking system. I am the authorized representative of my trust account also known as principle also known as priority exemption prepaid account. Seems like XXXX XXXX is in the business of identity theft by pulling credit and getting paid with no equity given to the consumer. This noncompliance needs to stop because if they are doing this to me, I'm sure they will do it to other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: PNC Bank N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a letter from PNC XXXX XXXX XXXX dated XX/XX/XXXX that stated my credit limit was to be decreased to {$1400.00} when it was previously {$15000.00}. This was absolutely devastating to my credit rating. 
I have been grooming my credit rating for the past 20 years so that it would be the best it could be because I wanted to apply for a mortgage. This devastating blow to my credit rating came 2 weeks before my pre-approval after having exceptional over XXXX credit rating for decades. 
PNC gave me no warning for this limit decrease. Nor have they done a good job of explaining the reasons for this limit decrease. I have not been referred to any documentation from them as to why this happened nor how it could happen from their regulations. 
I called PNC Credit Card customer service and was on hold, after being transferred to multiple departments, for a total of 2 hours. I spoke to Customer Service, multiple supervisors, and the Underwriting department. I was told to contact the credit bureaus for their reasons for the decrease. I called each credit bureau, explained the situation and asked each bureaus customer service departments why this would happen- if there was anything dubious on my report. Each one said that my credit was flawless and that I there was no cause for concern. I have an exceptional payment history spanning XXXX decades. I then had to call BACK PNC with this information, which they replied I was to respond, in writing to the Consumer Credit Bureau Investigations Department to which they would respond within 30 days. My letter was mailed on XXXX. 
I believe that this credit limit decrease was based on erroneous information or human error in interpretation of this information. I do not believe a complete and correct assessment of my credit information was made. 
Like I said, this has been absolutely devastating to my credit rating and to me personally. I have been saving for a home for almost 20 years and I cant believe that this would happen after I have been so careful - especially two weeks before I decided, after 20 YEARS, that this was the moment I would apply for pre-approval on a mortgage. This creates a biased and inaccurate view of my credit rating that does not take into consideration the decades of exceptional credit I have. This is impacting my qualifications and potential rate for a mortgage, which equates to me losing thousands of dollars over time due to their mistake. 
Please note too, that, I have been a customer of PNC since XXXX. PNC has a strong presence in XXXX, my hometown. My business with PNC travelled with me when I moved to XXXX XXXX and now XXXX. I very easily could have closed my account and went with a local, more convenient bank. I decided to support hometown institutions - and, will share my experience with others if this is not rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Sequium Asset Solutions, LLC
State: GA
Product: Credit reporting, credit repair services, 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:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. Please resolve this issue ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I previously started looking into the report that included false information, and after reading your response, I saw that the report still contained false information despite having a confirmed status. Please validate this account 's status and payment history for me. I think the information being reported by this account is false. I always make my payments on time, so I never had a late payment on this account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the following account : XXXX XXXX XXXX Late Date XX/XX/20

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 2022-01-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wife and I opened a joint checking and savings account at the end of XXXX at our local branch of Citibank. 
I opened a personal checking and savings account at the same time. 
I deposited two checks equaling the amount of {$15000.00} from my XXXX XXXX and set up bill pay in the joint account. 
About two weeks later I see on the Citibank app that it says " Access Denied '' I called the bank manager with whom I opened the account and she advised me to call " Fraud '' and gave me the number. I spoke to someone after hours of being on hold. The person said that the account was slated to be closed and that I would receive a check in the mail. I called another " fraud '' number that gave me the same XXXX  answer. I have called several times since and received the same response. I am completely unable to find out what has happened. 
The only person who said " sorry this has happened to you '' is the woman with whom we opened the account. The other people on the phone were rude, unhelpful and dismissive.They talked over me and would not listen to any input or question from me. 
My personal account has not been affected.

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 2022-01-13
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Contact company to make a payment, and was told if I did an ACH payment it would be credited to my account 2-3 days after I authorize the payment, which I believe is a violation of law. Additionally, I was told for either an ACH or a debit card payment I would have to pay an {$8.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE HAD A FRAUD ALERT ON MY PERSONAL CREDIT FOR THE PAST TWO YEARS AND NUMEROUS INQUIRIES ON MY CREDIT HAVE SHOWN UP BY WAY OF FRAUD AND WITHOUT MY CONSENT. THE OTHER TWO CREDIT REPORTING COMPANIES HAVE HONERED MY FRAUD ALERT ON MY PERSONAL CREDIT AND HAVE REMOVED INQUIRES I HAVE NOT AUTHORIZED NOR SIGNED FOR. TRANSUNION HAS FAILED TO DO SO. THE FRAUDULENT INQUIRES ARE AS FOLLOWS : 1 ). XXXXXXXX XXXX-DATE XXXX-NOT MINE AND DID NOT AUTHORIZE 2 ) XXXX XXXX XXXX XXXX CAPIT-DATEXX/XX/XXXX-NOT MINE AND DID NOT AUTHORIZE 3 ). XXXX XXXX XXXX-DATE-XX/XX/XXXX-NOT MINE AND DID NOT AUTHORIZE

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 2021-07-11
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for and got approved for an American Express card in XXXX. I was living in XXXX at the time and the card was supposed to arrive at my apartment by XX/XX/XXXX. The card never arrived. I moved to XXXX  a few days later and checked with the friend who lives in my XXXX apartment to confirm that the card never arrived. I called Amex and asked for a replacement to be sent to my new address in XXXX. They sent it and said it would arrive by XX/XX/XXXX. It did not arrive. I called Amex again on XX/XX/XXXX and asked if there was a tracking number or some other identification to track down the card. They said there was not and they could not expediate it. They said they would send another card that would arrive by XX/XX/XXXX. At this point, I mentioned that they haven't sent the card twice to two addresses. And asked them to send the card with a tracking number so I can confirm that there isn't any issue. They refused. 

It's very concerning to me because every credit card application impacts my credit report. And despite approving the card, the company has failed to send it multiple times and refuses to give me any way to track that the card has been properly mailed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: AR
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:
Yes I called XXXX and Experian CRA and their specialized handling department is never there to answer the phone they put me though several agents who pass me around over the phone just to get to the specilaized handling department and the phones continues to hang up in my face. This means I cant get to anyone to deal with issues i am having with my credit report. I will just pursue legal action. This stems from a letter mailed to Experian and XXXX certified mail ON XXXX XXXX TRACKING # XXXX RETURN RECIEPT which contained all my proof of identity and they sent a stall letter telling me they would not investigate. By law they have to and they will or they will be sued. They ARE CAUSING FINANCIAL HARM TO ME. I have sent the necessary proof of identity theft CONDUCTED FROM XXXXXXXX XXXX, ARKANSAS XXXX XXXX XXXX AND XXXX XXXX  and I DEMAND REMOVAL IMMEDIATELY!!! XXXX has conducted identity theft themselves along with the disputed ITEMS BECAUSE THEY have coerced through the alteration of XXXX XXXX XXXX a flesh and blood person to XXXX XXXX XXXX Entity or Debtor format! The attachment of this entity without any contractual full disclosure or meeting is IDENTITY THEFT IN THE FORM OF POWER OF ATTORNEY OVER MY LEGAL MATTERS IN ORDER FOR THEM TO ALTER INFORMATION THAT I PERSONALY PROVIDED TO THEM IN CONTRACT. XXXX IS TAKING MONETARY PAYMENT TO ILLEGALLY REPORT IDENTITY THEFT.

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 2019-11-23
Company: Dobberstein Law Firm, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
They are sending and leaving harassing messages regarding a debt that isn't mine even after a cease and desist was given. They impersonate a lawyer and say they will show up at my place of work and home with legal documents. 
They call my work phone and leave generic harassing messages on the voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a credit freeze on my Equifax account on XXXX XXXX, 2017 because of their recent data breach. I noticed the 10-digit PIN they gave me is NON-RANDOM and is a timestamp of the form MMDDYYHHMM and verified this both because we froze several credit accounts in our household and saw the pattern AND this is widely reported in Blogs on the internet. Given the large number of recent freezes, any half-capable hacker can have a computer algorithm " guess '' the PIN in a second or less, unfreeze my credit and open a fraudulent account.
When I called Equifax to ask them about this : I talked to both a front line rep and a manager. Both at first insisted the PINS were " random. '' I explained to them about the date and time stamp and they still insisted they were random. Next I asked if I could change the PIN to one of my choosing. No that is not possible. Lastly, they both said, if I did a temporary lift, and replace, a new PIN would be generated. I asked if it would simply be a later timestamp or truly random and they did not know, but I suspect it would simply be a later timestamp so I did not do it. The manager offered to waive the fee, but I got the impression if I did a temporary lift-replace online I would have to pay for it and I would still get a timestamp PIN. I explained to the manager that these PINS are in no way random and are a big security risk, and that she should really really report it up the line, but she clearly is overwhelmed so I have no hope that anything will be done at Equifax about it. Clearly even the manager is completely uneducated about how the PINs are generated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have no a knowledge of this account according to the FCRA This item must be removed.

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 2022-06-15
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This creditor is making it hard for me to move on to a better XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, 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- XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 USC 1681 Sec 602A states that I have the right to Privacy. 

15 USC 1681 Sec604A Sec 2 also states that a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation