BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-03
Company: EQUIFAX, 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:
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. 
All Accounts related to the matter : XXXX INQUIRES : XXXX XXXX on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX EQUIFAX INQUIRES XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX XXXX INQUIRES XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Cherry Creek Corporate, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/XXXX, I recently got out of the military with nowhere to turn, no home, no job, nothing. My wife and I went to search for a home for our family and decided to go with XXXX XXXX  in XXXX as we used them for our first house in XXXX. First, they messed up our contract and had to redo it because they designed two homes the same, then they lied about our permits being pulled and blamed it on the district of XXXX. I went to XXXX and they had our permits ready to be picked up and paid for. Even after I went to the main office and gave them a piece of my mind, they kept coming up with excuses. They even had houses that weren't even prepped, up and ready before ours was even a thought. 

To add to that, their preferred lender Pentrust, and their employee XXXX XXXX lied and fabricated our loan application stating that as an XXXX XXXX XXXX with XXXX dependants, I was making {$90000.00} when I was nowhere near that amount in my previous position and title. I just recently got a position, however, as a XXXX XXXXXXXX, and my yearly calculated salary is XXXX. When I got out of the XXXX, my wife reached out the XXXX and tried to explain to him that I am no longer on XXXX XXXX and he never returned any of her calls, and when asked about it he denied it. 

When I confronted them on their lies, he kept telling me that I didn't qualify for the loan because of the VA regulation and that I was not making enough, when I in fact, called and spoke to the underwriter, and the Loan Processor at the VA and all parties said that it is not true what XXXX was saying. They even went on to say that they never laid eyes on our contract, and no appraisal was ever attempted. As a veteran of 15 years of service, XXXX deployments, with XXXX issues, bXXXX XXXX, XXXXXXXX XXXX, XXXX, and everything else under the sun, my family and I should never be treated like this. 

No veteran who paid their dues should ever get this mistreatment and they need to pay for their lies. We are living in a rental with the lease ending on the XXXX of XXXX and we have no home to go to because of them. We were truly depending on the completion of this house and now we have nothing. My XXXX has a birthday on the XXXX of XXXX and we have to hustle to find a house so she can spend her birthday. 
They need to feel what we are going through and they need to pay for their messup.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Refer to the documents attached to this complaint. It has been more than 30 days and company has failed to verify and/or give any response. As per the FCRA please meet the demands set forth attached to this complaint.

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 2018-06-25
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had reported a theft with my former bank account and it was identified that 4 people had deposited 4 checks into a XXXX XXXX  account ( totaling {$40000.00} ) that were written from my account. The Bank Account I had at the time was XXXX XXXX  ; I steadfastly worked with them including affidavits of theft and XXXX Police reports were filled at the time last year. Recently, I learned I was denied for housing due to these reports within my consumers report which I was cleared of such last year. Now, almost a year later, I have a major issue obtaining housing. It seems that victimization of these checks still reside, when they are not to be listed, this false reporting was to be corrected when I submitted these reports last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In the fall of 2022 my identity was stolen after receiving unwanted and unknown balance transfer checks in the mail. I was never notified by Bank of America that they would be sending unsecure checks that could be easily cashed by a third party. 
Thinking these unknown checks were junk I inadvertently discarded them in a XXXX XXXX  receptacle believing the XXXX managed their receptacles in a secure manner. Although, I had ripped the mail up a third party was able to pull them from the garbage and cash the amount of XXXX dollars creating a three-month financial nightmare. As a result, I contacted all of my financial institutions admonishing them to not send me any more of these unsecure checks through the mail. All of my institutions except Bank of America have ceased this practice. 
I have contacted BOA numerous times each time taking over and hour to get through due to their poor customer service. I have told BOA reps. that I would be filing this complaint if these mailings did not stop. Despite my efforts BOA adheres to this practice and continues to send these unwanted checks and embrace this careless security practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/2018 I visited XXXX XXXX for a cardio check up due to XXXX XXXX. I have insurance through XXXX XXXX XXXX. Some tests were ran then I left an hour later. In the mail I received a letter asking me to pay {$3400.00}. Maybe it was more, but as of now I see that amount. I researched the collection agency and they arent authorized to conduct business in California where I am located. I have documents attached showing the states they are authorized to conduct business in. California isnt one of them.

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 2023-09-18
Company: PNC Bank N.A.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My wife is the sole owner of her property. I am not on the deed to the home. PNC bank is the mortgage holder. XXXX XXXX ( AVP, Operations Manager, Loss Claims ) from PNC bank is the sole person responsible for this disaster. The high level executive told me over the phone that he could not do anything for me. His license to practice in this industry should be revoked. This is a serious issues as I even have a HUD Counselor intervene in this matter, and PNC does not care. My name should not be on the " Notice of Default ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Good Day, I have a XXXX XXXX XXXX. According to the credit bureaus, there has been a credit score decrease of XXXX points in XXXX due to me exceeding the credit limit of {$50.00}. After reviewing my credit reports, I realized that the {$50.00} balance from XXXX is reporting instead of the balance for XXXX. According to XXXX 's terms, I'm required to add money to the account to set the spending for the month. The spent amount is locked as the secured funds in the XXXX account, which then can be used to repay the statement balance automatically with XXXX at the end of the month. I have not been provided with a statement for XXXX, but I do have screenshots of the transactions from the account. I deposited almost {$1000.00} into the account in XXXX. I've had the account for more than 6 months and I have only been provided 3 statements excluding the statement for XXXX. Also, XXXX does not have live agents for emergencies. Customers are required to chat with a live agent. This is an inconvenience when credit card companies have to contact a representative to verify transactions.

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 2022-07-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
FCRA violations : inquires not mine XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX  XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Open. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$97000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4500.00} Status Open.

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 2023-06-21
Company: JPMORGAN CHASE & CO.
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:
JP MORGAN CHASE REFUSES TO HONOR THE WORLD RDS OF THEIR EMPLOYEES WHEN THEY SAY WE WILL REMOVE THIS FROM YOUR CREDIT REPORT. THIS PAYMENT WAS FOLLOWED BY A PHONE CALL TO EXPLAIN I HAD JUST HAD COVID AND THATS THE REASON I WAS LATE. I ASKED FOR THEIR SUPPORT OF THE COVID 19 CARES ACT SINCE I CALLED AND COMMUNICATED THE ISSUES. ITS NOT LIKE IM LATE EVERY WEEK. INSTEAD XXXX TIME WITH COVID 19, WHICH MUST MEAN NOTHING TO THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Peak Acceptance, LLC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of XXXX I opened an account with Peak Acceptance for a XXXX XXXX XXXX that I was unable to afford and was eventually repo 'd. Instead of showing a reposession on my credit it reportwd that i had a late payment every month for the next 5 years absolutely deztroying my credit. I have 6 of 7 accounts in good standings on 1 bureau. They are the only derogatory mark and my score is sufferimg dramatically for it..that isnt the worst of it. They are reporting that they closed the account in XXXX of XXXX and also that the last payment made was XX/XX/XXXX which totally false and they have llayed around with the dates to keep this on my creit report for as long as theu can. This has got to be illegal in some form and I am being punished for having to let a vehicle go back to the lender and suffering for it more than I should have to. Please take this complaint seriously and please help me remedy this and allow me to move on with my life. Ive had to deal woth this for nearly 7 years and they would like to keep it on my credit for an additional 6 years. Im not sure how companies can get away with This.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit card from Capital One. When I called Capital One to let them know I had not requested an account with them I was told that someone else had used my social security number. I told them I had my credit reports frozen due to previous fraud and was told they do not pull credit to open a bank account. I requested to have the account closed immediately. I received a letter from Capital One on XX/XX/22 informing me that they had closed the acct ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Possible Financial 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:
I believe the information on my credit report is in accurate among all three bureaus and has so many inconsistencies. I sent a letter to all three credit bureaus asking to validate the debt on my report and they responded with the account being validated and verified. 

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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OR XXXX Account number : XXXX Possible Financial XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX Balance : {$240.00} ; XXXX XXXXXXXX Balance : {$29000.00}

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 2022-05-30
Company: EQUIFAX, INC.
State: LA
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 pulled my credit report recently and I noticed that I had several inquires on my credit that were inaccurate or unknown to me then all of my health information was on my report I didnt give authorization to share with anyone about my state of health. I have multiple name spellings and several unknown or inaccurate addresses that I will list in the notes and it will be highlighted to what are error. 
hospital I did not give permission to share my health information that is illegal by law XXXX XXXX XXXX XXXX XXXX XXXX then I have accounts that are in positive standing reporting negative or closed which is completely inaccurate XXXX XXXX XXXX XXXX account is paid and closed yet reporting negative and one is my current loan that is upto date XXXXXXXX XXXX XXXX ( 2 ) which are in good standing multiple hard inquires that are on there I have never done business with nor applied with there service and equifax wont release my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The three main credit reporting agencies have not removed items that took over 30 days to investigate. When they finally did there was not sufficient evidence with my signature proving the debt was mine. I've asked them to investigate the Bankruptcy on my credit reports and after contacting XXXX ( which they informed me that they have used to validate the bankruptcy ) which informed me that there is no information with my social security number that matches the reportimh. The agencies continue to report a bankruptcy as well as debts including in bankruptcy 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 explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, 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:
The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). CRAs are companies that collect and maintain consumer information, which is then used to produce consumer reports. These reports may be used by creditors, insurers, employers, and others to make decisions about granting credit, loans, insurance, or employment. Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the information they report. They must also correct or delete inaccurate or incomplete information. In addition, the FCRA requires CRAs to provide consumers with access to their consumer reports upon request. Finally, the FCRA protects consumers from identity theft and other forms of fraud by requiring CRAs to take reasonable steps to protect the confidentiality and security of consumer information. The FCRA is enforced by the Federal Trade Commission ( FTC ), the nations consumer protection agency. With that said, according to the Fair Credit Reporting Act, Section 611 of FCRA, you have a responsibility of promptly deleting any information which is inaccurate or incomplete. This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any way, the burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report. Furthermore, the Metro 2 standard is a common format for reporting credit information. Banks and other lending institutions use the Metro 2 standard to report information to the CRAs. The goal of the Metro 2 standard is to make it easier for lenders to provide accurate and consistent information to the CRAs. This, in turn, should help to improve the accuracy of credit reports. The Metro 2 standard was developed by the Consumer Data Industry Association ( CDIA ) and is used by all major credit reporting agencies ( CRAs ) .The information in my credit report is wrong! Therefore, it can not be compliant with FCRA and METRO 2 standards because the information was never proven to be factual. So now, I have decided that enough 's enough, and will exercise my consumer rights. The following account allegations are either untrue, unverified, and incorrect. Please remove them immediately, or I will have no choice but to take legal action against you!

Company response to consumer: Closed with non-monetary relief