BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Equifax numerous times concerning an inaccurate account from XXXX XXXX claiming a repossession on my credit file. Equifax has reported this accounted verified and accurate. However Im baffled as to how have they verified this account when the company XXXX   can not verify this account with me.Im very unhappy at the fact that there is inaccurate information on my credit report, and the creditor failed to submit sufficient proof to validate the inaccurate account. This is my 6th letter to your company. I know the FCBA allows me to dispute directly with the creditor after disputing with you. You told me that you verified the account with the creditor but they could not provide me with sufficient proof to back up their reporting. How can you verify if the creditor could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. 
Please delete these accounts from my credit reports since your company did not properly verify the information and the creditor could not provide sufficient proof to prove their reporting. when was this alleged repo, how much was the car then later sold for, what was the original amount due? What documents have any representative from Equifax reviewed that sufficient to be legal binding documents proving this alleged account. According to the FCRA, you have to tell me how you verified the account above. You have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. This account is INACCURATE!! Based on the FCRA and my counsels review of the FCRA and all of the letters sent to you and received by you, you are supposed to conduct a reasonable investigation on items presented to you by consumers. You have failed to do this on several occasions, which is a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Id like it noted that I have filed XXXX separate complaints. In XX/XX/2023 they agreed to remove this charge off of my account but then they never removed it, and then stated on XXXX XXXX that I had a missed payment ( or thats what they told the XXXX ) however, Ive no idea of this account, the information is wrong and they violated HIPPA. When I called for assistance the man on the phone was aggressive, stated that XXXX wasnt my name and then proceeded to inform me that he would not help unless I gave them permission to contact me directly. As they are a third party l, they should have no right to my medical files and payments for my insurance. The man on the phone transferred me to his manager and the manager gave me the narration of debt collectors and that he would not be able to assist until I allowed them to unseal the datawhile acknowledging that the they were indeed supposed to remove this charge off of my accounts. This is illegal and needs to be dealt with because they claimed that I have missed payments, affecting my scores and are continually haulting improvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: PNC Bank N.A.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My husband XXXX XXXX XXXX died XXXX XXXX. I sold his XXXX XXXX XXXX truck recently. The truck was paid off and apparently there was lien on the vehicle that was not due to my husband 's ownership. I have been in touch with XXXX, PNC Bank, and XXXX. Everyone has been very solicitous of my dilema, but there is no solution. The last person I spoke with said that a lien release letter had been mailed from PNC bank on XX/XX/XXXX. I have not received the letter. The vehicle was sold about a month ago and the buyer has not been able to get a clear title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-24
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have been using my Bestbuy store credit card to purchase all of my appliances at Bestbuy with promotional interest free offers. My earliest promotional balance expiration date is XX/XX/XXXX. 

On my XX/XX/XXXX statement it appears that I was charged {$6.00} for interest charge on an unknown amount of {$320.00}. 

On XX/XX/XXXX I called the customer service at XXXX to dispute the interest charge and inform the rep ( I don't know her name ) that I should not be charged any interest until XX/XX/XXXX ( on a balance of {$310.00} ). The rep claimed the interest charge was on a regular purchase balance and not on any promotional balance. I told her that I have never made any regular purchase. And if I had any regular purchase at all, I would have returned them back in XX/XX/XXXX. The rep still wanted to investigate to see if this interest charge was correct and I was informed I should receive a letter for determination of the dispute. 

In XXXX I did not make any purchase as shown in my XX/XX/XXXX statement transaction description section. It did showed that some returns were made. However, there was a " regular '' balance magically appeared on the " XXXX & XXXX XXXX '' section. 

In XX/XX/XXXX, I had made 1 purchase with promotional interest deferred offer ( expiration XX/XX/XXXX ). I returned this item in XX/XX/XXXX which showed in my XXXX statement. Besides that, I did not make any purchase, including any " regular '' purchase in XX/XX/XXXX. 

Therefore, I should not be charged any interest until XX/XX/XXXX. I feel that Best Buy Card Services is not keeping good record of customers transactions and trying to charge customers fee/ interests without proper receipt and explanation. Even when I informed them of the error in billing, they still wanted to believe it's valid charge as they want to investigate further if they should reverse the charge or not. 

I have attached my last 3 statements for your reference.

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 monetary relief
Consumer complaint received 2020-06-17
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Because of COVID 19 I lost my job on XX/XX/2020 and I am looking for a new job that did not happen yet. I am behind for my payment with my American Express Credit Card, and Today XX/XX/2020 I received a call from XXXX from Amex, he was trying to collect the payment and I a explained my financial situation for him. And he said that Amex do not have any especial plan for my situation. I said that I had money just a little money to purchase food to my daughter and I, and I could pay {$5.00} only at this time and I will pay the right amount as soon as I get a job, that can be any day from now. He refused my payment and said that he ( AMEX ) will report my name to the Bureau. I said that AMEX is very greedy. 
Thank you for the lesson AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: OR
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:
I submitted a previous complaint ( XXXX ) I submitted proof these loans are closed and discharged 100 % and instead of actually fixing my report as they are required they said they will look into it and closed the complaint. No. That is UNACCEPTABLE. These items are incorrect on my report and need fixed NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2022-12-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My Equifax business credit score for XXXX XXXX XXXX ( XXXX XXXX ) ( XXXX XXXX ) has decreased drastically over the past few months, although I've made all my payments in a timely manner. There is a communications trade-line that is showing up as slow up to 60 days, with a current balance of - {$35.00} and a past due of {$110.00}. I have reached out to all of my vendors/ creditors and no one has reported any late payments. I've attempted to dispute the issue with Equifax directly. They informed me i would need a current credit report, from Equifax, but they are refusing to provide me with XXXX. The email they sent states " Currently a business credit report is sent only to companies whose files have been accessed by Equifax XXXX XXXX XXXX members. If you have received notification from an Equifax XXXX XXXX member, please provide us with additional information so that we can assist you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB :XX/XX/XXXX I am writing to formally dispute multiple violations of the Fair Credit Reporting Act ( FCRA ) committed by various creditors, and I kindly request the Consumer Financial Protection Bureau 's intervention to address these violations and ensure my rights as a consumer are upheld. I would like to share my personal experience to emphasize the emotional and financial distress these inaccuracies have caused in my life.

Below is a detailed account of the violations along with the relevant account numbers and specific FCRA sections that have been violated : XXXX  - Account Number : XXXX Violation : Failure to verify accuracy of reported information ( FCRA Section 611 ) XXXX - Account Number : XXXX Violation : Inaccurate reporting of payment history, damaging credit ( FCRA Section 623 ) XXXX XXXX - Account Number : XXXX Violation : Incomplete or questionable information provided about the account ( FCRA Section 611 ) XXXX XXXX - Account Number : XXXX Violation : Failure to verify accuracy of reported information ( FCRA Section 611 ) XXXX XXXX - Account Number : XXXX Violation : Incomplete or questionable information provided about the account ( FCRA Section 611 ) XXXX XXXX XXXX - Account Number : XXXX Violation : Inaccurate reporting of payment history, damaging credit ( FCRA Section 623 ) XXXX XXXX XXXX XXXX CA XXXX - Account Number : Address Violation : Inaccurate personal information reported ( FCRA Section 613 ) Personal Experience : I want to emphasize the profound impact these inaccuracies have had on my life. The resulting damage to my credit has led to denied credit applications and higher interest rates, hindering my ability to make essential financial decisions. I vividly remember the recent incident when I applied for a loan to support an important educational opportunity. The inaccuracies on my credit report resulted in a denial of the loan, leaving me devastated and uncertain about my future prospects. The emotional distress and frustration caused by these errors are overwhelming and have strained my overall well-being.

I earnestly request the Consumer Financial Protection Bureau 's assistance in enforcing the legal provisions outlined in the Fair Credit Reporting Act. I urge you to investigate the mentioned violations and work towards the removal of these unverified accounts from my credit report. This action is not only crucial for my financial recovery but also essential for upholding the integrity of consumer protection laws.

I greatly appreciate your attention to this matter and look forward to your prompt response. My hope is that your intervention will help restore my financial confidence and provide a path towards rectifying these unjust discrepancies.

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, 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 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 2023-11-30
Company: Park Hill Holdings
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have encountered regarding my credit report. I believe there are inaccuracies, specifically in relation to rental history information provided by CoreLogic. These inaccuracies are impeding my ability to secure housing, and I kindly request your assistance in investigating and correcting this matter promptly.

I have thoroughly reviewed my credit report, and I have identified discrepancies in the rental history section provided by CoreLogic. The information appears to be false and is adversely affecting my ability to secure housing. I understand that, under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. 

I am requesting that the CFPB investigate this matter and work towards the swift correction or removal of the inaccurate rental history information associated with my credit report. I believe this action is essential for me to exercise my right to fair and accurate credit reporting as outlined by the FCRA. 

Enclosed with this letter, please find supporting documentation, including copies of my credit report highlighting the inaccuracies in question. I am willing to provide any additional information required to facilitate a thorough investigation into this matter. 

I appreciate your attention to this issue and your assistance in resolving it. Please inform me of the steps taken and the progress of the investigation.

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 2020-06-17
Company: EQUIFAX, 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:
Since XX/XX/2018 I've been disputing a Unverified account that do not belong to me which is XXXX XXXX on my Credit Report with XXXX, Equifax, and XXXX. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) the Credit Bureaus have on file of the account. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Despite more than three written requests, the unverified account ( XXXX XXXX ) still remain on my credit report in violation of Federal Law. XXXX, Equifax, and XXXX  are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there investigations, they stated in writing that they verified that these items are being reported correctly? But Who verified these accounts? XXXX, Equifax, and XXXX   have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).  Furthermore XXXX, Equifax, and XXXX  have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to. XXXX, Equifax, and XXXX  failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My servicer Ditech whom I have made several complaints and they do respond with a person to contact - but when you call this person they NEVER call you back! We faxed over what they asked about being on this do not call list which we never put them on, and when we call we get the same statement saying oh you are on our do not call list. So to save our home we went through NJ hardest hit fund. Ditech was in touch with this program and we closed on XX/XX/XXXX. We were required to bring XXXX to closing and NJ hardest hit paid {$48000.00} to arrearage. We were told by NJ hardest hit fund and the closing company that this would bring us current and our first mortgage payment would be XX/XX/XXXX for XXXX and some odd cents. They told us Ditech would reach out to us with a reinstatement package ( that never happened ) never heard from them and when we called they stated we owed 2 months {$3700.00} saying we owed XX/XX/XXXX and  XX/XX/XXXX. We spoke with XXXX NJ NJ Hardest Hit fund and they said this was innacurate. When calling Ditech they give us no info telling us only one person deals with this and all they ever say is they are emailing him. NJ hardest hit fund had to get back involved and they called Ditech and they said they have to research. This is a Federal program and Ditech again is not doing the right thing. when I try to reach XXXX XXXX ext XXXX it is like she doesn't exist. Now we just received our statement for XX/XX/XXXX and it says we owe {$5700.00}. They are not complying with this program and pushing us behind again after a substantial payment was made. This is unacceptable the way they do business. I would like to know how they are going to investigate this, and where did the {$57000.00} get disbursed to. If my closing was XX/XX/XXXX why wouldn't XX/XX/XXXX payment be included, that is the end of the month. NJ hardest hit fund said ditech needs to follow protocol and so far they are not!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
TD BANK USA/TARGETCRED card was opened under my name on XX/XX/2023 for {$120.00}. I have disputed the fraudulent card opening and charge with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12
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: Account status incorrect

Complaint:
i have been writing all XXXX bureaus, about accts and inaccuracies, in my credit file. There is a account, XXXX XXXX XXXX # XXXX, they are reporting, XXXX different negative late payments, i have written them several times, and they still continue, to keep this in my reporting even though it is inaccurate reporting. They are supposed to be a independent agencies, why do they keep doing negative things to the consumer file. i am a single woman, trying to raise a child, the law is clear inaccurate or incomplete, listings have to be deleted, its costing me time and money to try and get something so simple, how do they have so much control over our lives. EXPERIAN, XXXX and XXXX all are still reporting such.

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 2018-05-08
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had purchased XXXX Hockey tickets for Game 6 between the XXXX XXXX and XXXX from a guy by the name of XXXX XXXX. We agreed that I would send payment of {$440.00} via XXXX and he would then transfer tickets via XXXX. After about 10 minutes of trying to get the tickets transferred this scammer stopped responding and would not answer the phone. I immediately called Chase Fraud department and was told they could see the transaction in pending status but they were experiencing system issues and could not do anything at that time. They asked that I call back in one hour. I called back 45 minutes later and filed my complaint. 
I then received a letter on XX/XX/XXXX advising that the payment was not fraudulent. They did not advise how they came to this conclusion, but had there systems been up when I called I am sure they could have put a stop to this transaction while it remained in a pending status.

Company response to consumer: Closed with explanation