BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-31
Company: PNC Bank N.A.
State: MD
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:
on XX/XX/XXXX became aware that PNC bank had not set up autopay for the {$7.00}. I was travelling, called in PNC spoke to account rep, who said it was taken care of. On XX/XX/XXXX I got notice that my credit score dropped from XXXX Excellent to ( depending on agency ) between XXXX to XXXX. I called in again, I spoke with a recovery manager, XXXX, who said he had updated the information for the credit bureaus, and listed it as a bank error and NOT my delinquency. I was told this process would take at least a full billing cycle to correct, and PNC would not provide me with a letter confirming the bank error and not my delinquency. XXXX said, credit bureaus would update faster than PNC being able to provide me with a letter acknowleding this bank error. 

This is absurd. I've never been late even 1x, nor ever deliquent. I use only 4-5 % credit. The amount now was {$27.00}. When I travel, my usage can be higher and I ALWAYS pay it down when I return and NEVER pay minimum payments. this is totally unacceptable. 
It is a bank error and I have to wait 30 days or longer to get this to update on the credit bureaus. I need to apply for a loan now not next month. I have filed disputes with them, XXXX and XXXX. why can a bank, acknowledging it was their error, be allowed to get away with affecting someone's credit this way and not fix it immediately? 

I called again, They put me through to XXXX in Escalation department ( XX/XX/XXXX ). Although everything is in the record, she had to research what was in the record ( not complicated stuff ) and promised a call back. I called again and the bank said she would call me by XX/XX/XXXX at XXXX. another absurdity. 

My loan interest rate will be significantly higher because of this error and their error is a major cost to me. they need to update IMMEDIATELY for their error and not have me wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: KY
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: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 Kohl 's Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Experian Information Solutions Inc.
State: WA
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 XXXX of 2021, I was told by an associate at XXXX XXXX XXXX XXXX that since my car was at the end of terms, they would extend my payment as a courtesy over the next five months to pay the remaining balance of XXXX. I continued to make my payments since I was told when I extended my payment that it would just extend my loan, not that my loan would be treated as late at the end of the term. In XX/XX/2021, XXXX XXXX XXXX XXXX reported my account as 30 days past due, without my knowledge. When I asked them for any documentation, they explained that they didn't have any on record. Then they backtracked and said as a courtesy and said they would put me in their payment plan, but they had already reported me as late. I have all the receipts of my payments for each month. This past due on my credit history will affect my financial health due to misinformation from their representatives and treatment of customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$39000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: TN
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:
The information XXXX  XXXX XXXX of {$1200.00} from XXXX XXXX XXXX is incorrect and should be deleted from my credit report. This matter has been resolved in court. Please see attached documents.

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 2023-05-26
Company: EQUIFAX, 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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
An unauthorized charge of {$2300.00} dated XX/XX/2022, reference number XXXX, appeared on my online statement and I immediately contacted the bank to notify them about the fraudulent transaction and requested they immediately cancel my card and issue a new card with different account number. I did some research and the fraudulent charge was made to an online merchant. The bank provided me a temporary credit, but on XX/XX/2022 reversed the credit and has not provided me any details about the fraudulent transaction. I attempted contacting the bank 's security department to obtain more details and appeal their decision, but they do not return my calls nor have mailed me any further information. They expect me to pay the full amount by XX/XX/2022 and I am not going to pay it. Consumers have rights to a fair due process.

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 2023-10-25
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Synchrony Home Customer Support XXXX XXXX XXXX XXXX, FL XXXX Dear Synchrony Home Customer Support, I hope this email finds you well. I am writing to request your assistance in resolving a recent issue regarding a late payment and negative credit reporting associated with my account. I have been a valued customer of Synchrony Home since XXXX, and I have always strived to maintain a good payment history with your company. 



Unfortunately, due to unforeseen circumstances, I encountered a significant challenge that affected my ability to make a timely payment. I contracted a documented case of XXXX, and as a result, I have been recovering from the illness over the past few weeks. This has caused a disruption in my usual routine and created financial difficulties during my recovery period. 



I would like to bring to your attention that federal laws, such as the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act and subsequent legislation, have provided protections for individuals impacted by the COVID-19 pandemic. These laws encourage understanding and flexibility in accommodating payment delays due to documented cases of illness. 



Additionally, the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies and creditors ensure the accuracy and fairness of credit reporting. In light of my extenuating circumstances, I kindly request that you reconsider the late fee associated with my account and remove any negative credit reporting that may have occurred as a result of this isolated incident. The FCRA encourages creditors to make reasonable accommodations for individuals facing temporary hardships beyond their control. 
I want to emphasize that I value my relationship with Synchrony Home and have always made timely payments in the past. As evidence of my commitment to resolving this matter, I recently made a payment of {$500.00} towards my account, and I plan to pay off the remaining balance in full before XX/XX/XXXX. 



Considering my situation and the applicable federal laws, I kindly request your understanding and assistance in resolving this matter. If necessary, I am more than willing to provide any additional documentation or information that may support my case further. I hope we can find a solution that is mutually beneficial and preserves our positive business relationship. 



Thank you for your attention to this matter. I look forward to your prompt response and a satisfactory resolution. 



Sincerely, XXXX XXXX Last 4 of SSN : XXXX XXXX or XXXX New Phone Number : 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 monetary relief
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: CONTRACT CALLERS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CONTRACT CALLERS, INC has sent forms via mail stating I OWE A DEBT, ATTEMPTING TO COLLECT A DEBT, they also called my phone many of times harassing me about a debt. CONTACT CALLERS, INC is violating my rights to privacy as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Experian Information Solutions Inc.
State: CO
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: Other problem getting your report or credit score

Complaint:
I have been attempting to get a line of credit on my home for the last 45 days. Experian has a freeze on my account due to a previous breach of privacy. I was told by my loan officer that the freeze was preventing him from pulling my credit. I went online to " unfreeze '' my account and put in all my personal information and answered the security questions correctly. I had a message pop up saying they couldn't help me, and in order to unfreeze my account I would need to send in a copy of my driver 's license, utility bill, etc. I sent this information 2 day mail on XX/XX/2019. I used my tracking # from USPS,  Tracking # XXXX and confirmed it was delivered XX/XX/XXXX at XXXX to the XXXX , TX XXXX I was told to mail my personal information to. I have still heard nothing from them and my credit it still frozen. I have now missed out on the special Line of Credit rate I would've received because of their incompetency to do their job. I have also called the XXXX phone number and it's impossible to get a live person. They ask for your information AGAIN, I tell them correctly AGAIN, and get the same recording to send in my personal information and get hung up on. This is unprofessional and unacceptable. How does a company with over 1100 complaints on XXXX still be an operating business. The FTC needs to take action and shut this company down. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Thaxton Investment Corporation
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
15 U.S.C 1681 section 602 A. : States that 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 permission in written instruction.

15 U.S.C 1692 C : Without the prior consent of the consumer given directly to the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: EQUIFAX, INC.
State: AL
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 information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00}XXXX XXXX XXXX  XXXX XX/XX/XXXX {$14000.00}, XXXX XXXX  XXXX XX/XX/XXXX {$380.00}, XXXX XXXX  XXXX XX/XX/XXXX {$220.00}, XXXX XXXX XXXX XX/XX/XXXX {$270.00}. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Im writing to ask for your help with US Bank dispute # XXXX to reclaim monies erroneously charged to my checking account by XXXX early XX/XX/2023 in the amount of {$490.00}. 

I filed the dispute on XX/XX/2023. US Bank requested documentation, which I provided. 

On XX/XX/2023, I received a letter from US Bank stating they were reversing the funds and closing the dispute based on insufficient information received, i.e., copies of emails and chat logs between XXXX and myself, copies of the original order with XXXX, tracking number, etc. 

I have, since XX/XX/2023, spoken with several people at US Bank. At your request, I will provide names and dates of each call. 

On XX/XX/2023, I spoke with XXXX at US Bank and was told that my case would be reopened, the funds returned to my account, and the evidence further examined. 

When I called a week later to follow up I was told XXXX should not have said she would reverse the funds because XXXX is not a case processor and that a case processor would be in touch. Please request from US Bank the recording of this call which I was told they keep on file. 

On XX/XX/2023, XXXX XXXX case processor ) left me a message outlining the information she needed to reopen the case. When I returned her call I was told that I could relay the information to the operator and that they would input it into my file. I am told this every time and every time I provide the requested info which they in turn input into the US Bank computer system. However, each time I am told that I can not be put through to a case processor and will need to wait 24-48 hours for a call back that either never comes or that I miss because I dont use a cell phone. 

This exact scenario has occurred several times ( I can provide documented names and dates at your request ), each time Im told I must wait another 24-48 hours for a call back. 

On XX/XX/2023, I spoke with XXXX at XXXX and specifically asked that the case processor ( in their voice mail to me ) leave their direct line ( which I was told by XXXX they have ) so that we can make contact. XXXX said the CP would call back within 24-48 hours and would leave this information in a voice mail. I am still waiting for this call. 

Im asking for your help in getting this case reopened, properly examined and funds ( {$490.00} ) put back in to my account. 

Please let me know if I can provide your office with any additional information or documentation. 

Thank you in advance for any assistance you may provide. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX OR XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
A misrepresentation is a false statement of a material fact made by XXXX party which affects the other partys decision in agreeing to a contract. If the misrepresentation is discovered, the contract can be declared void. Depending the situation, the adversely impacted party may seek damages. 

Sec 628 - penalty for false statements. 

( a ) which is false in any material Particular, knowing it to be false; or ( b ) Which omits any material fact, knowing it to be material ; He shall, save as otherwise expressly provided in this act, be punishable with imprisonment for a term with me extension XXXX  years, and shell also be liable to fine. 

What makes a contract void? 

-A contract may be deemed void if the agreement is not enforceable as it was originally written. In such instances, void contracts ( also referred to as void agreements ), Involve agreements that are either illegal in nature, or in violation of fairness or public policy

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 2023-10-24
Company: EQUIFAX, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief