BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a home equity line of credit with PNC Bank that I closed in 2014. The account is still being reported on my credit report as opened. This action on PNC Banks part is preventing me from applying for other mortgage loans since banks are under the impression that I still have an active account with PNC Bank. This account needs to be CLOSED immediately and expunged from my credit report. 
Its been over a month that I have been contacting PNC Bank a nobody seems to be able to help me. I have sent a signed written request asking that the account be closed so I can go about my personal business. I need this done immediately!!!!!! 
Account number : XXXX Home Equity Line of credit with PNC Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions 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 Experian have failed to removed several inquiries that I did not authorize. I have sent letters to each bureau detailing that the information is not accurate. The companies XXXX XXXX, XXXX, and or XXXX XXXX claims that they are indeed accurate. I never authorized anyone to pull my credit to address mortrgages. 

According to the Fair Credit Reporting Act, they are required by federal law to ensure that all details being reported on an account must me 100 % accurate and verifiable. If they are unable to correct these inaccuracies for any accounts listed, then per FCRA requirements they should have removed the inaccurate inquiry ( s ) entirely from my credit report.

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly 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

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 2023-01-16
Company: EQUIFAX, INC.
State: IN
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:
For nearly a year I have been trying to get my credit report from Equifax via mail and online. My account does not let me login and Equifax claims there is nothing wrong. However when I gave them my login information they tried to access it and couldn't. I keep receiving emails saying it's fixed and it never is. This is my last time trying to get them to fix this before I launch a Federal lawsuit. I have not been able to get any help. I have tried to dispute items but because Equifax refuses to respond to my pleas to fix my account or answer my mail they continue to violate my rights. They keep lying and making excuses. 


My Equifax email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: TX
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 a victim of identity thief and these account don't belong to me. i have never had any agreements or contracts with these companies.

15 USC 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of the law because I am a victim of Identity theft! Please delete these items IMMEDIATELY! 

XXXX XXXXXXXX Account Number - XXXX XXXX XXXX Account 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 explanation
Consumer complaint received 2019-01-22
Company: Credit Plus Inc
State: IL
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 received an email from XXXX XXXX XXXX on XXXX XXXX. I filled out a web form requesting a rate for a conventional loan. A loan officer contacted me and I gave him my information for a conventional loan. Much of the conversation was about him trying to get me to apply for an fha. I stated numerous times that I was already approved for an fha mortgage and that I did not want to consider an fha application. 
The loan officer stated that it didn't matter and that he could check on a conventional. 
After pulling my credit report he said that he could not qualify me for an fha for the amount that I wanted and I should not trust the preapproval 's I have received from the other lenders. Regardless that the other lenders have approved me based on verification of my assets and income and have been approved by underwriting. I said I didn't want to apply for an fha and that I would not be moving forward with their company. I filed a dispute with credit dispute with credit plus for the credit inquiry. The credit inquiry did not harm my credit score but the fact that this company requested an inquiry for a loan product ( conventional ) that they were never had the intent to approve me for I requested that they remove the inquiry from my report. 
I received a letter from credit plus with a response from XXXX XXXX XXXX   XXXX through Credit plus from XXXX XXXX. The letter states that I applied for a mortgage over the phone with XXXX XXXX and that I gave verbal authorization for the credit report authorization. He further states I withdrew the application as they were not able to approve me for the amount that I desired. The truth is that I was applying for a conventional loan but the XXXX mortgage forms that they sent to the response has FHA checked off. In the box for assets it shows how much I had for a down payment and closing which was much larger than what I had stated I would use for the loan early in the process. Reason I withdrew was because that they were not offering the product I had requested I did not want to pay the fees involved with an FHA I could have increased my down payment to meet a DTI requirement. The false information that was being relayed from XXXX XXXX ( bait and switch tactics ) and I could not trust him nor his company is the reason I withdrew my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I called about get information on how there car loan program works sounded good applied only for that I was denied the loan told that I qualified for XXXX secure loan. I was assured no money would be on HOLD. BUT 24 hour hold on funds TO MOVE TO A SAVING ACCOUNT AND WOULD BECOME AVAILABLE ONCE THE FUNDS IS IN MY ACCOUNT LONG STORY SHORT THE REPRESENTATIVE MISLEAD ME AND SEVERAL OTHERS UNTIL IT WAS TO LATE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Now the bank has lied about the photos of me They had nothing to do with me getting money from there account I used their ATM to retrieve money from another account and they took the pictures of me getting money out of that account and use them on my Bank of America account and that's not true or accurate they have committed another felony on my account by doing this and now they say that they paid me both of my claims which is a bald-faced lie this bank is lying and doing more lying they telling you guys one thing and telling me another thing and all I want is my money that they took for me when they took that {$37000.00} that they place to my account they took a {$20000.00} claim I had and a {$9000.00} claim I cash and they all so made up of {$8000.00} claim to take it back for me so I would like all that money back and I also want my XXXX back that they took of mine this bank is ripping me off and they doing it by committing felonies on my my account are you guys supposed to be helping us to get our money back from this bank because you guys are letting this Bank commit felony after felony on my account and lie after lie on my account and fix up my account the way they want to fix it up with which none of it is true and I mean none of it this Bank falsified my whole account to steal my money from me and I was in hopes that you guys could help with me to get it back but you are not paying me this bank no attention I wonder if this bank is paid you guys to look the other way cuz that's what you guys are doing you looking the other way why this bank is committing felonies on my account and committing crimes on my account to keep my money and I don't know these people why are they doing this to me I've been suffering and going through a whole bunch of heartache and pain for three whole years that this bank has been keeping my money from me what's their problem and what's your problem I need my money I need medications I need to pay back rent I need my money for whatever reason I need it for is my money that I worked hard for what gives this Bank the right to steal my money and dictate my whole life for the last three years you guys need to do something about this bank and y'all need to do something about this bank now cuz I'm not the only person they doing this to this bank is doing committing crimes on people accounts and they need to be in prison

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 2019-01-22
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contracted with XXXX XXXX, XXXX dba XXXX XXXX XXXX to bail me out of XXXX on XX/XX/2017. The contract was for {$5000.00}. I paid {$1700.00} down and agreed to pay the rest by monthly payments over several years. My complaint is that XXXX placed a collection on my credit reports this month ( AWA collections ) in the amount of {$3600.00} when they gave up their right to any and all monthly payments due by breaching our contract starting XX/XX/2017. I paid for a XXXX XXXX, but they failed to provide one when they refused to reinstate my bail after I was in the hospital. When I called XXXX ( XXXX, CA branch ) after leaving the hospital, they said they wanted more money to keep my XXXX XXXX   active which is illegal. I didn't get what I bargained for and therefore XXXX has no right to collect money they didn't earn, hence, XXXX is attempting to collect an invalid debt that I do not owe. In fact, they owe me my down payment of {$1700.00} and damages for being XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: CT
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:
My purpose in writing is to raise my concern about the genuineness and precision of this specific account mentioned on my credit report. Approximately a month ago, I submitted a request for an investigation since I suspected that a certain item was being inaccurately reported. However, I never received any type of response. I kindly request you to elucidate the process of your investigation and furnish me with details on your method of verification. I need to emphasize that I have been a victim of fraud, as I never had a XXXX XXXX  account. Furthermore, the inaccurate fraudulent and incomplete information you reported has caused me immense emotional distress. Please include the following details in your response : Please explain what your representatives uncovered to lead them to believe that the item ( XXXX ) were being reported legally. What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. What was the cost incurred by your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Please provide the specific date on which the items will cease to be reported. I kindly asked for a notarized affidavit to validate the accuracy and truthfulness of the provided information, in accordance with my civil rights protected by various federal laws. It is important to emphasize that a generic response letter will not suffice. If you are unable to promptly provide all the required details as outlined in multiple laws, including but not limited to the Fair Credit Reporting Act, I hereby insist on the immediate and permanent removal of this entry from my credit report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( XXXX ) days of the completion of your 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 2023-09-11
Company: Experian Information Solutions Inc.
State: PA
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-09-20
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is a formal complaint that you are reporting inaccurate incomplete Credit information. According to the fair credit reporting act section 609A1A who are required by law to verify through physical verification of the original signed contract any and all accounts that you post on my credit report otherwise anyone that is paying you for your debt probably fraudulent. I demand to see verified proof. If you fail the validate removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX my banker called to tell me I had a debt collection on my credit report that was new. I logged in and found a {$470.00} collection from XXXX being collected by Sunrise Credit Service. Prior to being placed on my credit report, I had never heard of or was contacted by Sunrise or XXXX regarding this collection. I spoke with both companies that day and neither could find any records of ever attempting to bill me or contact me regarding it. On this same day I disputed the debt via XXXX and XXXX 's website. I also sent an email to Sunrise Credit requesting verification of the debt. Now, 11 days later I have yet to hear anything from Sunrise or XXXX. Per the FDCPA, they are required to send me a letter stating my rights to which I have not received. I would be glad to forward the original email I sent them, if requested. The facts - XXXX and Sunrise say I owe {$470.00} for services received from XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX in XXXX, TX. I was never a guest in XXXXXXXX XXXX in XXXX and they can verify that. In addition, XXXX XXXX told me that I was one of 14 other people to receive erroneous charges on their credit report from XXXX. This is fraud on a large scale and should be investigated. I should mention that I live in the XXXX, TX Area, not XXXX, TX and we like the rest of the XXXX were on Covid lockdown during this time. I hope this is just a glitch in XXXX system, but their refusal to look into this matters smells of fraud.

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 2023-01-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ive discovered with my credit report on file. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting this issue with XXXX for a long period of time. XXXX is obligated by the FCRA to report accurate accounting/information ; however, they have failed to do so and is in violation of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681b ( Permissible purposes of consumer reports ), and 15 U.S. Code 6802 - 6805. XXXX was advised that ALL inquiries reported was fraud via phone, however they refused to remove any of the items. I have disputed several items that are currently being reported ; particularly XXXX XXXX XXXX XXXX Account XXXX which is a charge-off account. Per the LAW a charge-off is a certification of indebtment, which means is it is income and must be removed. The law also states that it is illegal to report any transaction history. I was advised by XXXX, that the account was verified as accurate by law 15 USC 1681 ( e ). However, the information reported is still inaccurate and inconsistence with all other credit agencies. Under the SEC XXXX is liable to follow certain rules under the XXXX XXXX File Number XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX is securitizing my consumer data ; however, they continue to refuse to provide a copy of of my CONSUMER FILE, not the CONSUMER REPORT. 

I have attached a copy of what is being reported for this XXXX XXXX " charge-off '' account from XXXX as well as Experian. Please note that XXXX has already removed this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian is reporting the above account as 30-days late in XX/XX/2023 after previously reporting the account as XXXX for XX/XX/2023. I timely sent my payment to the bank, but they never credited the payment. I normally pay online, however, there was a problem with the banks system and the bank would not allow me online access to my account. The website problem has only recently been fixed. Regardless, I mailed the payment in time for the XX/XX/2023 payment. I informed the bank of all of this and expected them to report the account as current in XX/XX/2023.

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