BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-24
Company: Experian Information Solutions 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:
This is notify CFPB of EXPERIAN 'S violation of FCRA. Last XX/XX/2018, I sent a letter to this company to dispute accounts from XXXX and XXXX XXXX. I disputed account XXXX with this company and I even requested a debt validation from XXXX which have not sent me proper debt validation documents. XXXX even reported to the bureaus that they are reporting correct and accurate information even though they did not provide me what I am entitled to receive. 
Also included on my account are accounts from XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I sent them a check as payment for these accounts and clearly, " CONDITIONS ARE WRITTEN AT THE BACK ''. It clearly states that 'THEY CAN ONLY CASH THE CHECK IF THEY AGREE TO DELETE ALL THE ACCOUNTS THEY REPORTED TO THE BUREAUS ''. XXXX XXXX CASHED THE CHECK, which means THEY AGREED WITH THE CONDITIONS. They are in violation of the VIOLATION OF CALIFORNIA CIVIL CODE and BREACH OF CONTRACT/AGREEMENT. This is my last resort before I take a step further and get a legal counsel involve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX/XXXX XXXX {$13000.00} This account is being reported without accuracy and consistency. 

For example payment history for XX/XX/XXXX are consistent XX/XX/XXXX, XX/XX/XXXX, skips XX/XX/XXXX, reports for XX/XX/XXXX through XX/XX/XXXX. however then goes to a 30-120 days late for XX/XX/XXXX and XX/XX/XXXX. My calculations for XX/XX/XXXX until XX/XX/XXXX is only one month apart so how is that 90-120 days late?

Then report for XX/XX/XXXX but skips again XX/XX/XXXX - XX/XX/XXXX. Returns only a report for XX/XX/XXXX I have been in deferment since I graduated. I dont understand the inconsistency in this reporting system but it is causing issues on my credit and holding me back from buying my house. 

I have called and expressed to a rep that I graduated in XX/XX/XXXX however she advised me they didn't get the record updates until XX/XX/XXXX. 


XXXX/XXXX XXXX {$18000.00} This is a duplicate account with different amount number and reporting information please delete it from my file or send promissory note confirming is duplication of payments received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Mid-South Adjustment Co., Inc.
State: AR
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 have 2 separate items showing on my credit report from Mid South Adjustment. The first item is showing a balance of {$1000.00} and the 2nd is showing a balance of {$1600.00}. It is showing as a physical therapy institute. I have never had physical therapy. These accounts are not mine. I sent over a Debt Validation Letter to them and the attached return Receipt shows that it was received on XX/XX/2018 by someone named XXXX. They still have not sent me any of the paperwork that was requested in the validation letter and it has been over the 30 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, LoanCare , LLC partially paid the property taxes that were due to the county. LoanCare , LLC did not pay {$54.00} of the amount that was due. I noticed the incorrect payment amount and notified LoanCare , LLC on XX/XX/XXXX, of the error, via their online message service. I provided them with the delinquent bill as well as explained the error. A generic ticket was automatically generated when the message was submitted. The ticket number is XXXX. Since the submission of the explanation and bill, I haven't heard anything from LoanCare , LLC. I received no letter within 5 business days stating they received the information ; as a matter of fact, I still have not received a letter from them acknowledging they received the information as outlined in 12 C.F.R. 1024.35. I called customer support on XX/XX/XXXX and XX/XX/XXXX at XXXX, and neither time was the customer support agent able to provide an update on its status. The 30 business days deadline is approaching, and I have not recieved any communication from LoanCare , LLC. 
I have opened 2 more tickets ( XXXX on XX/XX/XXXX & XXXX on XX/XX/XXXX ), providing the same information. We'll see if I get a response from either of those, but I highly doubt it. Based on the reviews and complaints I've seen about LoanCare , LLC on XXXX and other review sites, this seems to be standard practice for them ; horrible ( possibly shady ) service.

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 2019-03-28
Company: CITIBANK, N.A.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have had our Mortgage through Citibank for about 13 years. We received notice from them, dated XX/XX/2019, on XX/XX/2019, informing us that our mortgage was being transferred to another company on XX/XX/2019. 
I know that selling off mortgages is a common practice, and although I'm not happy about them doing so, that is not my complaint. 
My complaint is, 1 : that we had very little notice, less than 2 weeks, about the change. And 2 : the company that it is being sold to appears to have a horrible reputation regarding its servicing of mortgage loans. 
Online, it appears that Citi has an average rating of about 3.5 stars, and the company they are selling my mortgage to has an average rating of 1.5 stars. Reading the reviews of the new company, it looks like the reviews are overrated, as many people state that they would give the company " zero '' stars, if that were an option, but, it wasn't, so they gave 1 star. 
But truly, my complaint is about the short notice of this transfer. When we originated the loan, we were led to believe Citi was capable of servicing, and planned to fully service the loan for it's lifetime, and that the loan transferring elsewhere, was not to be expected.

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 2021-05-20
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX bank and XXXX XXXX XXXX XXXX gave me credit cards. 
I spent only less 30 % of credit limit to improve my FICO SCORES AND CREDIT SCORES to purchase home as XXXX XXXX VETERAN to support my kids ( I am custodian parent XXXX XXXX XXXX bank and XXXX XXXX XXXX XXXX did not update on time credit utilization point helps a lot I have FHA XXXX XXXX as the first time home purchaser who is XXXX XXXX VETERAN XXXX XXXX bank and XXXX XXXX XXXX XXXX should update credit utilization rate to three credit bureau ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
State: GA
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEP ED, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX 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

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 2023-06-13
Company: Experian Information Solutions Inc.
State: IL
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:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved 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 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 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 2023-05-04
Company: Experian Information Solutions Inc.
State: TX
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 a letter from this company for account # XXXX about an alleged debt and also spoke with a XXXX XXXX about the HIPPA regulations and my right to privacy violated by this company. 
consumer law of 42 U.S. Code 1320d6 which states the Wrongful disclosure of individually identifiable health information.

The creditor has also violated my rights under 15 U.S. Code 6802 which states that I have a right to privacy of personal information.

A debt collection agency is NOT suppose to have access to the specifics to my medical and health information. Please also note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant is a violation of the FDCPA because you will be deceiving me after my written request.

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the fair Credit Reporting Act, which can allow me to seek damages from a collection agency. When I received a letter from your agency ( see attached copy ) it states that the agency has requested that consumer reporting agencies report the account as disputed for removal. Therefore, I request the agencies compliance and immediate removal of this alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I canceled my Chase United Presidential Card to switch the the Chase Sapphire Reserve Card ; I was told on a recorded call I would have the prorated amount of the United Card refunded. After several week went by, I called again. I was told, again, on a recorded line that ~ {$260.00} would be credited to my card. After a week went by, no credit appeared so I called yet again. This time I was told there would be no refund of the amount and it didn't matter what I had been told on the recorded line because Chase had no intention of refunding the annual fee. Obviously, if I had been told truthfully I would not have the pro-rated fee refunded, I would have kept the card open to continue to use the benefits I had paid for. Chase continues its borderline criminal behavior in the middle of a pandemic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-28
Company: Experian Information Solutions Inc.
State: IL
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 XXXX is reporting an inaccurate debt. Account number XXXX for {$4000.00} has been updated to my Experian credit report and is being reported as a collection on XX/XX/2016. The company has failed to provide me a valid copy of any agreement to this debt after several attempts. I dont own this debt and have not received any valid agreements showing my signature.

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 2023-06-13
Company: Experian Information Solutions 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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX 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 2023-06-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed this file which does not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block these items which are found to be fraudulent due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquired on XX/XX/2022 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I obtained an auto loan with Capital One Auto Finance in XX/XX/XXXX and I signed a contract for a four or five year loan. I am being told that my car will not be paid off until XX/XX/XXXX. That is a 10 year car loan. I never agreed to a 10 year car loan. I believe that Capital One is intentionally deceiving consumers with predatory lending and abusive car loan practices to include some or all of the following : 1. loan flipping 2. breach of contract 3. fraud 4. predatory lending 5. abusive car loan 6. bait and switch 7. equal credit opportunity act 8. truth in lending 9. discrimination 10. intentional deceptive practices

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: PRESTIGE FINANCIAL SERVICES INC
State: CT
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:
I purchased a car through Prestige Financial. A year after owning the vehicle the payments became too much for me. I sold the car to a family member. Before I sold the car I contacted the company and asked them if the new owner could assume the loan and title to the car. They assured me that the title of the car would be transferred and that I would become the co-signer and the buyer would be the primary loaner. Prestige Finanacial took the new buyers information and added them to my account but never transfered title or added them to the loan itself. They entered into a payment agreement with me and the new buyer while accepting payments from both of us. The new owner paid as agreed but because I did not continue my payments myself they repossed the car a week after recieving a XXXX $ payment from the new owner. After the repossesion they placed the loan amount on my credit report as well as the new buyers credit report. PrestigeFinancial misreprented themselves, they fraudelntly added the buyer to my account but did not add the buyer to the loan or transfer the title as promised. Since they did not do as promised the new buyer should not be on my account for they have no interest, and no contract with Prestige Financial. I ask that they stop reporting false information to the credit bureaus because the loan clearly states my name alone not the new owners. They illegally repossed the car after they entered into an agreementand accepted payments on the past due amount. They collected money from the new owner and pretended that the new owner was really on the loan.They accepted payments from the new owner and still repossessed the car. I have a copy of the loan and the new owner was never added. All monies that was collected from new owner should be returned to the new owner because they never had a contract with Prestige Financial and Prestige Financial fraudently purported as if they have a valid contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: PNC Bank N.A.
State: OH
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:
XX/XX/2020 After giving PNC three months and five opportunities to resolve an authorized debit, I am requesting your help.

At first it appeared that the situation was handled appropriately, my account was temporarily credited, a new debit card issued and transaction dispute initiated.

From that point on I received the same PNC dispute form three times, no response to my letters, with no specific employee or department assigned to handle my issue. I then contacted the merchant myself.

Upon calling the PNC contact number I inquired where to forward information from the merchant stating that they have no record of a transaction from my account and was advised not to, only that they would re-open the transaction dispute and send the same form.

It appears PNC has not used any of their fraud investigation resources  and has no intention of doing so. Attached please find all my previous correspondence. As of today, I still have not received a response to my letters. At this point I wish to recover the {$99.00} fraudulent debit and be done dealing with PNC forever. 

Thank you for your time, ________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: EQUIFAX, INC.
State: AL
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:
I have contacted all three credit bureau to no avail. They are reporting multiple alias names and incorrect address that are attached to former spouse and relatives that are not my information. My name should on appear on my credit report as XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX from recent nuptial. 

My address section should only reflect the following addresses in my life. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: Experian Information Solutions Inc.
State: HI
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 so confused why XXXX XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time

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