BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-07
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Hello. Please assist me in resolving an operational defect by Pentagon Federal Credit Union. I have a single auto loan product with PFCU. I initiated a single loan application in XXXX 2014. However, PFCU initiated XXXX separate hard credit inquiries on XXXX separate dates ( XXXX XXXX and XXXX XXXX ). I assert that there is no valid business need for PFCU to initiate separate hard inquiries within XXXX hours to decision my credit worthiness. This PFCU defect is more likely than not to adversely affect how the NCRAs score me. This is a defect under FCRA. Please take affirmative steps to assist in remediation of this defect and communicate your response. 

Sincerely, XXXX XXXX XXXX : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX, first required me to by gap insurance, wheel and tire coverage and extended warranty I order to acquire a lower loan rate. Then in XXXX XXXX XXXX  I had XXXX XXXX called and informed them. I was told that I would not be charged a late pay on my credit reports. To which I found to be a lie. Of course the credit bureaus cover and protect the business to no extent. Ive been advised that the XXXX XXXX XXXX act is being ignored and may need further actions on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act XXXX  Account : XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX. has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: Waterfall Revenue Group
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I spoke with this company multiple times. They once collected a payment from me on XX/XX/2018 for {$100.00} and said the payment went through and I was good. They never contacted me again. I was surprised find today when I was applying for my mortgage refinance that this company reported this debt as still in collections last month and my credit score significantly came down. 
I logged in to their portal to find out that the previous payment did not go through and I had to pay this again. I paid this again and it shows the payment is processing. 
This company has not been transparent about the fact that they were going to report to the credit bureau and damage my credit. I hope they can correct my credit asap so i can go through with my refinance

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 did not authorize or consent XXXX or any other reporting agency to the following inquiries to be furnished on my credit report. 

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 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: FL
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 gain a free copy of my credit report from XXXX and I noticed that my XXXX XXXX account is reporting my account as closed. 

I would not have known my account with XXXX was closed had I not checked my free credit report because the company did not alert me before they updated my account status as closed. The only notifications I have been receiving from XXXX XXXX upcoming due dates or past due dates prompting me to pay my bill. They have been sending me my bill statements via email, text and mail since XX/XX/2022. 

At no point has XXXX informed me that they would be reporting my account as closed when I have just had their card for one year. I explained to the company that my business income fluctuated tremendously this year and I did not make as much money in the last few months. I had to make adjustments to catch up and now I am able to pay in increments to get my bill back under control. 

Due to the lack of communication with XXXX  in reference to closing my account I feel this is an inaccurate report without resolving it with me, the consumer, first. 

I would like to see XXXX reopen my account and update this status on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I receive a letter from XXXX XXXX XXXXXXXX ( XXXX VA XXXX XXXX about a debt that I owed from XXXX XXXX XXXX of {$2700.00}. I called today XX/XX/XXXX and spoke with a collection repr. and asked if we could lower the bal as I have  an elderly parent who only receives social security and I support her. .She put me on hold and said they could reduce the balance to {$1900.00}. I said great. She asked what I could pay this month and I said {$150.00}. She asked for my routing no of my checking account. I told her I don't give out that info - I could mail in the payment or pay on their website She said that was not possible. She then asked again how much could i pay - could I pay another {$50.00} on the XXXX. I said yes. Then she said how much could I pay each month and I said {$75.00}. She came back with {$76.00}. I agreed to pay this by the XXXX of each month. Then she in her fast talking way says the balance will be the {$2700.00}. because I would not supply my checking account routing number and pay the {$200.00} today. I argued and then she puts another supversior on the phone and then another woman comes on and I went thru 4 women. I asked each one to put the {$1900.00} in writing and mail it to me - they refused.. They are all fast talkers - each tries to rewrite the payment arrangement and balance and harass me into giving my account no ... Its all on tape. I wound up hanging up. I was willing to mail the {$200.00} today and pay the {$76.00} by the XXXX of each month. THEY WANT MY CHECKING ACCOUNT NO AND DEDUCT THE PAYMENT. I WANT A BILL AND TO MAIL IT IN EACH MONTH..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had an checking plus account with " '' B.O.A " '' Bank Of America. On XX/XX/2023 a check was deposited into my account from a friend as a loan. B.O.A gave me a date for which the funds would be available on XX/XX/2023. But on this date B.O.A said my account will be closed and my balance would be mailed out to me. I've called several times and each time I'm getting a different reason on why I haven't recieved my funds. On XX/XX/2023 I went into the Banks Branch and spoke to a Rep. on this matter and was told that I check was mailed out. Lie is what I have told. I called the again on XX/XX/2023 and another Lie was told to.me.

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 2023-07-31
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
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: Their investigation did not fix an error on your report

Complaint:
I have made numerous complaints about this XXXX charge-off account with no real assistance from XXXX other than some mailed statements. 

XXXX has charged off this account XXXX years ago, which means a 1099c was submitted. However, I have yet to receive a copy of the 1099c for the charge-off which is fraud. 

Experian, XXXX, and XXXX are all reporting charge-off accounts on my credit report on top of all reporting different information which means it is also inaccurate and misleading and an additional reason why this needs to be removed from the credit report. The IRS defines a charge-off or a 1099c as gross or ordinary income. Income does not get reported on the consumer report. By reporting this as a charge off on my consumer report, it now becomes an inaccurate account which is now under 15 U.S.C 1681e ( b ) which speaks on maximum accuracy of the consumer report. This inaccurate accounting must be deleted 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 non-monetary relief
Consumer complaint received 2021-12-08
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Due to the lack of urgency, Planet Home Lending LLC has failed the HOEPA law for home owners ' fees and late payment reporting. 

We will be contacting the CONSUMER FINANCIAL PROTECTION BUREAU, providing us another legal branch. 

We have volumes of emails, notes and proofs of payments with Planet Home Lending , LLC. 

Planet Home Lending 's predatory solution to moving from XXXX XXXX forbearance, to a COVID forbearance, is a substantial increase in a mortgage payment and no guarantee that Planet Home Lending , LLC is able to properly appropriate those mortgage payments. To reiterate, we were in the process of securing a refinance of our Planet Lending, LLC mortgage when AGAIN you negatively reported to the credit agencies! 

As an FHA mortgage holder we possess extra protection from your predatory actions ; we have MORE options for coming out of a forbearance that a standard mortgage holder. 

Law so states, Planet Home Lending , LLC has responsibilities to provide ALL options ; to correct ALL negative credit reporting ; AND to take-on the responsibility to track-down LOST PAYMENTS AND APPLY THEM TO OUR LOAN. Natter, R. ( n. d. ) Home Ownership Equity Protection Act of 1994. American Bar. 

We will be including in our report to the CONSUMER FINANCIAL PROTECTION BUREAU the lack of any response from you, XXXX XXXX, and the individuals that are involved in Planet Home Lending 's void offerings for solutions to LOST PAYMENTS, LOST ESCROW PAYMENTS, LYING ABOUT FORBEARANCE SOLUTIONS AND CONSISTENT INABILITY TO RESPOND TO OUR EFFORTS TO MOVE FORWARD. 

We are requesting, on behalf of the CONSUMER FINANCIAL PROTECTION BUREAU, ALL the phone call recordings relating to our loan. This is part of the discovery for the CONSUMER FINANCIAL PROTECTION BUREAU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021, I wired from, XXXX XXXX to Chase Bank, both are my accounts an amount of {$16000.00}. The wire was returned for no reason, so on XX/XX/XXXX, I resent the wire between accounts and the amount was once again declined for no reason. I have made several phone calls between Chase and XXXX XXXX, who continue to say " Oh its coming ... '' First I was told the XXXX of XXXX, did not happen. Then told XXXX of XXXX did not happen. It is now XX/XX/XXXX and Chase has still not returned the wire sent from XXXX XXXX. 
Chase has failed to inform me of the status of the wire and does not give direct answers to my questions. I have been blatantly lied to by Chase representatives through this process about the availability of the founds and when they would post. 

It has now been over a week and my money is still in limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2023 Called 5 times and went on to Equifax web site to unfreeze my account. 
Their verification or authentication method was irrelevant to me and useless. I gave them 4 digits of each credit card and they would not verify to know who I am but asked irrelevant questions that did not apply to me- totally useless!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On my XXXX XXXX Credit Card from XXXX Bank, I had a credit balance of {$8.00} from clothing items that were returned in XXXX. 
On my XXXX from XX/XX/2022 the credit balance of $ XXXX was removed, and in transactions it stated that a credit balance refund was applied. 

I placed a call to customer service and explained that I DID NOT make a purchase, and I DID NOT receive a check for the credit balance, so why was the credit balance removed? 
I requested a check number if, in fact a check was sent, and no check number could be provided. 

I was told that they didn't know what happened to my money and they opened a " case ''. XXXX weeks later, still no answer as to why it was removed, and why no check was issued. The credit of $ XXXX was not returned to my account. I know this is not a lot of money, but they are not authorized to just remove money from my account.

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 2023-07-31
Company: EQUIFAX, INC.
State: MI
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:
complaint regarding the ongoing inaccurate account reporting related to XXXX XXXX account # XXXXDespite previous attempts to address this issue, They continues to report incorrectly, which is a clear violation of the law. I have made every effort to rectify this matter but have been met with indifference and lack of compliance. This serves as my last and final attempt to seek justice and have the inaccurate information promptly removed from my credit report. Thank you for your prompt attention. I trust that the CFPB will impartially address this serious issue Remove Account, this is inaccurate information reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PORTFOLIO RECOVERY ASSOCIATES : purchasers of XXXX debt. 

Original creditor : XXXX XXXX XXXX  - again, complete lack of account ownership transfer from a custodian of records. this entry also comes with a XXXX XXXX date of XX/XX/2020. Where this group pulled that day out of, I have no clue. Made up fantasy date of account last date of activity, I did not open any credit card XX/XX/2020. Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I made the decision to close this credit card after numerous issues with XXXX XXXX issued by XXXX XXXX XXXX. I contacted them via phone to initiate the account closure and at about the same time revoked account access to my checking account with XXXX via a XXXX XXXX XXXX  called XXXX. This app enables a company to see an account holders balance and transaction history within my personal checking account. The day of that call and prior to closing the account I used the lenders app to initiate the payment of the majority of the balance due them. 

Within days of closing the account I no longer had access to the XXXX XXXX XXXX  or website for current account balance and to make debit payments from my XXXX XXXX account as payment to XXXX XXXX This lender also does not accept payments pushed from my bank to them via XXXX. I should also mention that auto pay was set up on this XXXX account to ensure that a payment due was never missed. 

Based on my experience, conversation with XXXX bank and my numerous attempts to get answers from XXXX, it appears that when I revoked permissions via XXXX this lender automatically stopped sending XXXX debits to XXXX for payments whether payments I requested or auto payments. They simply stopped and as a result have reported my account as delinquent, charged erroneous finance charges, refused to resolve the issues and made numerous claims that my bank reversed payments when in fact they reversed the payments and never submitted them into the XXXX clearinghouse. 

I was able to pay them {$320.00} via check on XX/XX/XXXX check number XXXX. They did successfully apply that payment to my account but now insist that i still have a balance for finance charges. They have also reported the account as 60 days late to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Turned in leased vehicle to XXXX XXXX XXXX XXXX, MA on XX/XX/XXXX. Upon returning home, cancelled vehicle registration and destroyed plates. After cancelling registration, advised XXXX and Honda Financial of cancelled registration. Both looked up XXXX XXXX to confirm. Received multiple correspondence from Honda advising of Final Statement of Debt, proof of Registration Cancellation. Upon receipt of Final Statement, payment was made. Also, when proof was submitted, a pro-rated bill for Property Tax for XX/XX/XXXX would be sent. Received Property Tax bill for whole year ( {$110.00} ), instead of a pro-rated bill. Sent letter with check for {$9.00} ( one-twelfth pf {$110.00} ) with " PAID IN FULL '' written on memo line. Received various calls from Honda 's collection department threatening if total payment was not received, they would ruin our credit. Both joint parties had reductions of credit scores from 800 's to low 600 's over XXXX and XXXX of XXXX. Please keep in mind that Honda filed for an abatement with the city of XXXX, MA. This means that they will not receive a financial loss, but the joint parties will and have received poor credit scores as a result of Honda statements to the big three credit companies. Letter was sent to you, but an incorrect address was on line. See attachments of letters and exhibits sent to XXXX, XXXX, XXXX, Honda, and yourselves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: ALLY FINANCIAL INC.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I previously had a car loan with Ally in my legal name. When I got my new car loan I signed it in the shortened version of my legal name which is also on my drivers license. Ally tries to say Im not the same person. They wont let me use my online account to pay my bill and it says information doesnt match when I try to reset it. When I try to make a new account it says this information already exists. I have spoke to them on several occasions asking for this to be corrected because they do not send me a paper statement so I can not access any information about my account. They have never given me access to my online account nor have they ever mailed me a statement after numerous request. I have to call a number to pay my payment and I am charged {$4.00} every month to pay that way. This has been going on for over a year now.

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