BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: IL
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 writing to dispute and request the removal of multiple payments incorrectly reported on my credit report. According to my credit history, there are instances where multiple payments have been recorded for the same account, which is in violation of the Fair Credit Reporting Act ( FCRA ) and the guidelines set forth in 15 U.S. Code 1666b - Timing of Payment.

In the case of Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), it was established that inaccurate reporting of multiple payments can result in a misleading representation of an individual 's creditworthiness. As a consumer, I have the right to accurate and fair reporting of my credit information. 

1. XXXX  XXXX Account # XXXX Please remove inaccurate late payment. Account paid as agreed 2. XXXX XXXX  Account # XXXX Please remove inaccurate late payment. Account paid as agreed 3. XXXX Account # XXXX Please remove inaccurate late payment. Account paid as agreed 4. XXXX Account # XXXX Please remove inaccurate late payment. Account paid as agreed 5. XXXX XXXX Account # XXXX Please remove inaccurate late payment. Account paid as agreed I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting 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 am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Inquiry Details : -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX -Equifax -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: PNC Bank N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
DISCRIMINATION AND HARASSMENT BY PNC CREDIT CARD SERVICES 1. I posted an on-time payment on XX/XX/XXXX per billing cycle date, of {$300.00} 2. The card was declined today around XXXX XXXX EST, for a {$110.00} charge, approx 3. I called PNC card services at XXXX XXXX   approx & was informed that the system showed a wrong bank account # was used to make the XX/XX/XXXX payment, with an account # ending in XXXX, whereas the account is stored in PNC 's pay by phone automated system, with no manual entry of a bank account being required or made, for the {$300.00} payment. 

4. PNC 's system reflects an on -time payment for the {$300.00} due, as made by me on XX/XX/XXXX. 
recording the on time payment of {$300.00}, PNC being unable to process the payment and charging me a late fee of {$27.00}, with the Customer Rep 5. XXXX XXXX - Retail Escalation Manager -  refused the reversal of the late fee of {$27.00}. 

6. Interest rate APR was also increased without prior notification. In XX/XX/XXXX the APR on purchases was 17.99 % & was increased in XXXX to 18.24 %, whereas Fed Prime rate has stayed the same at 5.5 % from XXXX XXXX XXXX, currently LOWERED to a rate of 5.25 %. 


SUMMARY : PNC Bank utilized intimidation, discrimination and Harassment to violate my Consumer Rights, in blocking my use of my PNC Visa Card AND Blocking Access to my Transaction Records, Online AND by phone. 

Remedy : - Reinstate FULL Account Access, Refund the Late fee of {$27.00}, and Reduce the APR to the 14.75 % that I originally had, when rates were HIGHER thank they are now. 

**** I have EVIDENCE of the statement above, with screen shots of the on time payment, late fee and blocked access to transaction records. 


I, XXXX XXXX, certify the above statement to be true and as occurred. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Block, Inc.
State: MO
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:
I was scammed on XXXX for the amount of XXXX dollars on XX/XX/XXXX by cashapp user XXXX XXXXXXXX. He refused to return my money back and did not send me the merchandise he had promised me. So instead of Cashapp helping they kicked me down further and instead of them returning my XXXX that I was scammed for they closed my account for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: BBVA FINANCIAL CORPORATION
State: TX
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:
In XXXX we got a personal loan from our credit union to pay off the loan at BBVA so we could have the title released to us for us to sale the car. On XXXX a check to pay off our auto loan was sent to BBVA so that we could close the loan and release the title to us. We were told the title would be mailed out XX/XX/XXXX, and it would be in our mailbox BEFORE XX/XX/XXXX. On XX/XX/XXXX, after not receiving the title, I called BBVA to confirm they had sent the title. I was told that the title had been delivered to our P.O. box but it had not. I called the post office to confirm that the title was not with them and they searched and did not have it. 
We called BBVA on Monday XX/XX/XXXX and they had told us that the title was actually showing in their system. XXXX and frustrated, I had a 45 minute conversation trying to get the person on the phone to allow me to speak to a manager, and overnight our title. With no luck my husband called back later that day and demanded to speak to a manager.  After being given the run around they finally allowed him to talk to a manager. She assured us that our title would be overnighted and gathered his information ( including the fedex account number at his place of employment and the name of the company and town ). On Tuesday XX/XX/XXXX, we got a phone call that they had NOT gotten the title in the mail because they neglected to gather the actual Address for the business. 
WE ARE STILL WITHOUT THE TITLE to our vehicle. It has been 2 months and they have neglected to keep their word or send our title in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting 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 five unknown inquiries that I never applied for showing on my credit file. these following accounts are not mine please delete/remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted these companies and tried to verify that I did NOT authorize access to my credit report. I explained in my letter that, you, as a Federal Reporting Agency, have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. I am demanding that you remove all inaccurate inquiries from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate inquiry. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent Inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
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: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XXXX is reporting on my credit profile inaccurate payment history. The accounts listed are paid on time XXXX  XXXX and 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 explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report has accrued fraudulent items possibly from the Equifax data breach, the record indicates that my personal information was impacted by this incident. The below accounts on my report are not mine and i do not have a signed contract with them. 

XXXX / XXXX # XXXX / Bal {$0.00} XXXX XXXX XXXX XXXX # XXXX / Bal {$0.00} XXXX XXXX XXXX XXXX # XXXX / Bal {$890.00} XXXX XXXX/ XXXX # XXXX / Bal {$260.00} XXXX XXXX XXXX XXXX XXXX # XXXX / Bal {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: HYUNDAI CAPITAL AMERICA
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a finance lease with Hyundai. For the last two months Hyundai have been adding fees to my monthly payment, which is suppose to be $ XXXX Monthly Payments with 0 % apr and 0 % fees. My monthly payment is always slated for XXXX of every month. 

The month of XXXX Hyundai added additional {$35.00} to my account without any explanation. As at the month of XXXX I had outstanding total balance of {$880.00} from the month of XXXX with the money payment of {$480.00} for the month of XXXX, which brings my total payment bal for the month of XXXX to {$1300.00}. I paid {$500.00} on the XXXXXXXX XXXX XXXXXXXX, which bring my bal down to {$870.00} for the month of XXXX. 


But, Hyundai did not send me the accurate amount, they added additional {$35.00} to my statement account. The payment of {$910.00} was stipulated on my account for XXXX instead of {$870.00}. 

It did not stopped there, I made payment of {$500.00} on the first of XXXX and made another payment of {$100.00} on the XXXXXXXX XXXX XXXXXXXX, which reduced my account bal to {$810.00} as at XX/XX/2023. To my surprise this morning, they sent statement of {$1300.00} instead of {$810.00} + XXXX monthly payment for XXXX equals {$1200.00}. 


To note this has been normal financial services misappropriation for Hyundai finance and I hope this could be litigated and fine the company of rubbing their loyal customer against the consumer finance law. 

This have been an act of corporate fraud and abused taking from loyal customers, as this is not the first time I will report Hyundai finance of misappropriation and going against their policies and contracts. 

If Hyundai keep additional invisible bills to their customers accounts, when shall we meet up with the bal payment? 

I received confirmation for all the transactions, which I have included the paper trail as evidence below.

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 2023-01-27
Company: EQUIFAX, INC.
State: CO
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 # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My credit reports shows the information which does not belong to me. 

Earlier, The same issue happened to me in 2019. I created dispute and corrected everything. 

Now same issue happened to me recently. And someone unknown informations, inquiries and collection accounts are observed in my credit report XXXX  and Transunion are saying that information might be mismatched with someone else with similar name.. 

I have suffered a lot. I got denied for the government licence ( XXXX  ). I have been in process for correcting everything for more than a month. I got tired of making calls. This is wasting my time without even my fault. 

If XXXX and Transunion will not record my information correctly, how many times I have to create dispute in the future.

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 2023-01-27
Company: ENCORE CAPITAL GROUP INC.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The collection company calls multiple times a day. They have now started blocking their number in order to trick me into answering the phone. Just the last couple weeks here is a call list. This has been going on for longer than 6 months. I have asked them repeatedly to stop blocking their number as well. 
XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: GA
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 filed a Identity theft report to remove the fraudulent items from my credit report due to ID theft, requesting the items be blocked within XXXX hours due to fraud. The company refused to block the fraudulent items and refused to investigate the items. I am requesting in writing that the credit reporting agencies block the fraudulent inquiries and accounts from my credit file. 

The company refused to update the 30 day late on my credit file. I had XXXX XXXXXXXX in XXXX of 2021. The mortgage on my credit report is reporting late I have a letter from the lender that I was on an extension and was never late. This is affecting my credit score and ability to obtain credit in my name. The Equifax confirmation number is XXXX, XXXX file number XXXX, I do not. have the XXXX report number. I have been kidnapped and I explained that to the agent and they refused to removed the items. My social, drivers license was stolen during the time. The people who had it done went to jail but they sold my identity. I feel the credit bureaus are discriminating me because I been kidnapped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
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:
On XX/XX/2018, my IDR was approved for $ XXXX monthly, however this was never applied to my account and resulted in a deliquent account by XX/XX/2018. After discovering the mistake and reaching out to XXXX XXXX, they suggested i apply for forbearance   to fix their own mistake of applying the new payment plan. This is to retroactively forbear the months of XXXX and XXXX  to XXXX of next year. This should never have been done or needed to be done if XXXX had applied the IDR correctly in the first place. Now a year later, I am still dealing with the fall out with credit agencies. 

They are reporting 36 missed payments during this period and I have started 3 disputes that XXXX has confirmed that I have these missed payments. I have no other recourse other than to go through legal means at this point.

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 2017-09-15
Company: PHH Mortgage Services Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This problem has been escalating since XXXX XXXX. 

PHH Mortgage Services, XXXX Mortgage XXXX, Mt. XXXX, NJ XXXX XXXX This company has been constantly harassing me and my family to the point of affecting our well-being and our state of safety. 

PHH Mortgage Services, XXXX Mortgage XXXX, Mt. XXXX, NJ XXXX XXXX I have never missed a payment they are all done electronically through my XXXX bank account. The mortgage service company XXXX, has been claiming I owe them thousands of dollars and late fees since early XXXX. I have already made a complaint against them because every time I try to contact their customer service all they want to hear is " how am I going to pay ''. 

PHH Mortgage Services, XXXX Mortgage XXXX, Mt. XXXX, NJ XXXX XXXX After the last complaint I was told that it was all about a {$36.00} escrow shortage. I immediately paid XXXX/XXXX/XXXX but that did not stop the constant belligerent phone harassment from PHH Mortgage Services. I have tried everything possible to rectify this debacle. I have all documentation that I never missed a payment. I can only retrieve the last 6 months ( see attached ) but I 'm sure I can contact XXXX to go back further. 

PHH Mortgage Services, XXXX Mortgage XXXX, Mt. XXXX, NJ XXXX XXXX Please help. This company is ruthless and relentless in their harassment and my family is at their wits end. I am afraid something bad is going to happen and then I will have start suing PHH Mortgage Services, XXXX Mortgage Way, Mt. XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

Company response to consumer: Closed with explanation