BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: AR
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:
I am writing to formally file a complaint against your organization for repeated failures to remove fraudulent items from my credit report. Despite my continued efforts to rectify this situation, these inaccuracies persist, causing severe financial distress and affecting my creditworthiness.

I have previously reported these fraudulent items to your agency and provided detailed documentation proving their inaccuracy. These fraudulent accounts and activities were not initiated or authorized by me, and I have taken every necessary step to dispute and resolve this issue. However, your organization 's repeated failure to correct my credit report is causing significant harm.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies like yours are responsible for ensuring the accuracy of the information contained in credit reports. The FCRA also requires timely investigations and corrections when inaccuracies are identified.

Despite my previous correspondence and attempts to resolve this matter, I continue to suffer the following consequences due to these fraudulent items on my credit report : Difficulty obtaining credit, loans, or financing. 
Higher interest rates on existing loans and credit accounts. 
Financial stress and harm to my creditworthiness. 
I formally request that you take immediate action to investigate these fraudulent items and verify their inaccuracy. If you find that these items are indeed fraudulent or inaccurate, I insist on the following actions : Removal of all fraudulent items from my credit report. 
Correction of my credit report to accurately reflect my financial history and creditworthiness. 
Provide written confirmation of the removal and any updates made to my credit report. I am attaching copies of all previously submitted documentation, including proof of fraud, dispute correspondence, and any other relevant materials. This information should assist in your investigation and prompt resolution of this issue. Please assist me to remove these fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 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 {$0.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: GA
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:
Delete Hard 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 I do not have a contract with with these collection agencies they did not provide me with the original contract as I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 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.

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 2023-09-29
Company: EQUIFAX, INC.
State: AZ
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:
I am writing to formally request the removal of a charge off and public record from my credit report, which has been inaccurately reported by your organization. This erroneous information is causing significant harm to my financial well-being and creditworthiness. 

I have taken steps to resolve the issue with this account and have successfully [ explain any efforts to resolve the debt, such as paying it off, settling it, or disputing it ]. Despite these actions, the inaccurate information remains on my credit report, negatively impacting my ability to obtain credit, loans, and other financial services. 

I kindly request that you investigate this matter promptly and verify the accuracy of the information reported in my credit file. If it is determined that the information is indeed inaccurate or incomplete, I request the following actions be taken : Remove the charge off and public record from my credit report. 
Update my credit report to accurately reflect the resolution of this account. 
Provide me with written confirmation of the removal and any updates made to my credit report. 
Please note that under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information on my credit report is accurate and up-to-date. I am attaching copies of supporting documents, including proof of resolution, payment records, and any correspondence related to this account, to assist in your investigation. 

I expect a prompt response within 30 days of receiving this letter, as required by law. If you are unable to verify the accuracy of the information, please provide a written explanation for your findings. 

Failure to comply with the FCRA 's requirements may result in legal action, and I reserve my rights under both federal and state law to seek damages for any harm caused by the inaccurate reporting. Kindly assist me to delete the charge off account and public record as they are fraud in my credit file : XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2013.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: PNC Bank N.A.
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: Was not notified of investigation status or results

Complaint:
I have received an email on XX/XX/2022 from XXXX XXXX ( Executive Client Relation ) at PNC ( after I file a complaint with CFPB and FTC ) stating that I will send a written response via CFPB. Also, you will be getting a fraud packet in the mail to complete with the requested information. I completed the Fraud Packet and send it back but still I haven't heard anything from them. Now the fraudulent account ( Act # XXXX ) I disputed showing as a charged off account on XXXX with balance of {$15000.00}, on XXXX with balance of {$15000.00} and on XXXX with balance of {$15000.00}. 
My Initial report numbers with CFPB and FTC are listed below. 

CFPB Complaint # XXXX FTC Report # XXXX Please help me resolve this issue and have PNC to remove this account from all three major credit XXXX XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account number XXXX. XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days past due on partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2023-09-29
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 found inaccurate information in my TRANSUNION credit report. I tried to fix the issue by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as Payment status, payment history, date opened, and balance are still being reported. My rights were violated. According to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C. Section 604 A Section 2 states that a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-07-21
Company: VW Credit
State: DC
Product: Vehicle loan or lease
Sub-product: Lease
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:
I leased a new XXXX Audi XXXX on XX/XX/XXXX At the end of my lease term, I purchased the vehicle from Audi for {$26000.00}. Audi has my vehicle paid off in full as of XX/XX/XXXX. 

Since that time I have been unable to receive my title from Audi. I have called Audi financial several times, and each time was told that I failed to send in my odometer statement. I provided the statement by mail three separate times. 

Most recently, on XX/XX/XXXX I called and spoke to XXXX, who agreed to FedEx me a new odometer disclosure. I returned the disclosure via FedEx and it was received by Audi on XX/XX/XXXX. 

Today ( XX/XX/XXXX ) I called Audi to ask when I would receive my title. XXXX said that they now my odometer statement, and while he received " permission '' to expedite my request, it would still take several weeks for me to receive it. XXXX said that Audi recently switched vendors for title services, and the delays have been causing a lot of " pain '' and " heartburn. '' I intended to purchase a new vehicle today, one that I had been looking for a long time, but now have to cancel the deal because I can not provide the title to my Audi trade in. At this point I have no hope of every receiving it! 

Thank you for your attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been continuously receiving calls from Portfolio Recovery. In just this past week, they have contacted me twice in an attempt to collect an alleged debt. I have responded to their calls, kindly asking them to cease calling, as their calls are disruptive while I am at work. I have urged them to stop. However, they persist. 

Upon reviewing my consumer report, I have noticed that they are reporting inaccurate information, which is causing significant disruption to my consumer report and the quality of my life. My credit score has experienced a substantial drop as a result. As of XXXX, on XX/XX/2023, they are reporting that I allegedly owe {$720.00} on my consumer report. This alleged debt is falsely reporting as a collection on both my XXXX and XXXX reports. In addtion there are iinaccuracies with the way the creditor is reporting. My XXXX consumer report is reporting the collection under the name Portfolio Recovery with an open balance of {$720.00} openend on XXXX on my XXXX Consumer report, the alleged debt is repoerting on my consumer report as Portfolio Recovery A, so two different companies reporting the same amount is not right. 

I am choosing not to engage in discussions with them, primarily because I am uncertain about how they obtained my personal information. 

I would like to resolve this situation amicably and fairly, and I kindly request your assistance in achieving this outcome. 

Portfolio Recovery seems to be violating my rights as a consumer in accordance to the consumer credit laws. 

XXXX. They are in violation of 15 Us Code 1692d- harassment by calling my personal phone number whilist I am in the middle of my work day, casuing mulptile disruptions throughout my work week.

2.They are in violation of 15 U.S. Code 1692 ( g ) As I have not received any validation of debt to prove I owe this alleged debt to Portfolio Recovery Associates .

3.What they are doing I will be filing an FTC report and submitting as this is identity theft. I never once gave consent to verbally or written for them to report this transaction that is currentl showing on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize these inquiries which are affecting my credit report XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX I do not recognize this account which appears as a collection on my credit report, please delete : Account name : XXXX XXXX XXXX Account number : XXXX Balance : {$290.00} Account name : XXXX XXXX XXXX  Account number : XXXX Balance : {$0.00}

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 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 


XXXX 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 2022-01-11
Company: Choice Recovery, Inc.
State: OH
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:
This is my THIRD time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My mother died on XX/XX/XXXX of XX/XX/XXXX. I have been using the joint account that she, my brother, and myself have shared while I was her XXXX for about 10 years. I have been on the account for 20 years. I have her will in probate court, but my attorney is lackadaisical about the matter. Over the course of the past 2 weeks Bank of America has frozen my checking account twice for no apparent reason.They seem to need information about my brother, but ... my brother has no interest in this account. He has not lived here for 27 years. On XX/XX/XXXX my account was frozen by BofA with NO notification because they needed some sort of information about my brother .... I was told it was rectified. This morning my account was frozen again. XX/XX/XXXX. Apparently, BofA needed some sort of info regarding my brother they never worried about for the past 30 years. I have spent 4.5 hours on the phone today just trying to figure out what BofA wants, called my brother and went to the bank ... The " financial center manager ... ... XXXX XXXX '' sort of helped me but, he pretty much brushed me off. I deposited my mothers life insurance policy into this account last year, just to cover basic utilities. Gas, water, electric, and phone ... ..While I finish college and clean out the house. No one has needed any information about my brother or myself until this year. 30 years. The insurance check was to me. I find it morally reprehensible that a bank I have been dealing with for the past 10 years freezes my account due to information about my brother they never needed before. He hasn't changed and he just spoke with them last week. Seems to me BofA just wants to steal money. 

Thank you very much, XXXX 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 2023-07-21
Company: JPMORGAN CHASE & CO.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Please do not mark this as duplicate, since I was instructed by the previous Chase representative to submit a new claim through CFPB. 

Here 's the updated claim : I made a reservation with XXXX  for the period of XX/XX/2023, to XX/XX/2023. Prior to the scheduled stay, I found myself dealing with a significant medical emergency and made an inquiry about the possibility of a refund if I had to cancel my reservation, but never agreed to a cancellation if theres no refund. If the reservation cant be cancelled or has to be cancelled without refund then I would just gave this reservation to my friends and family. To my surprise and without my consent, the reservation was cancelled by the merchant and the dates were made available for rebooking. I had never agreed to this cancellation, let alone without the provision of a refund. The abrupt cancellation by XXXX, without my explicit approval, left me at a financial loss, having paid upfront for services that were never rendered. Despite several attempts to rectify this matter with the merchant, the situation remains unresolved. As of today, I have not received any reimbursement for the cancelled reservation, and I believe this constitutes a violation of my consumer rights. The sum at stake is {$1400.00}, and I am seeking a full refund of this amount. I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) for assistance in resolving this matter and to ensure the prevention of such practices in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since 2010, I have been disputing fraudulent credit card charges with XXXX XXXX, XXXX, and Portfolio Recovery in regard to a credit card that was opened in my name. I originally filed a complaint with XXXX XXXX and no action were taken, which resulted in the account falling into the default. XXXX  XXXX  then sold the account off to XXXX XXXX / XXXX XXXX. I contacted XXXX XXXX and still never removed off my credit. I threatened then threaten XXXX XXXX XXXX XXXX with a lawsuit and they in turn sold the account off to Portfolio Recovery / XXXX XXXX. I have asked Portfolio for signatures, dates and yet nothing has been provided to me showing that this is my debt. The only thing they'd given me is my address. I have disputed this account of the past 8 years by following a Police Report and many threatening letters and yet they refuse to remove it off my credit.

Company response to consumer: Closed with non-monetary relief