BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Address XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX, IL XXXX Should not be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: PNC Bank N.A.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have repeatedly requested the link to apply for forgiveness of my PPP loan. PNC has discriminately allowed certain businesses to apply for SBA forgiveness but not others with no reason or explanation The loan will come due on XXXX and I should have been able to apply for forgiveness except that PNC is blocking me from doing so. 

I am not sure that this is legal but I am sure that this will cause irreparable damage to my business. 

I have escalated the situation to the executive office of client relations but still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX In {$310.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$310.00} XX/XX/XXXX United Revenue Corp {$1400.00} XX/XX/XXXX I have spoken with XXXX  about removing these fraudulent accounts off of my credit report. These alleged debts do not belong to me and they are a violation of my rights as a consumer and as the original creditor. They are also a violation of my Hippa rights which states that any of my medical records or documents can not be shared without my consent. These fraudulent accounts are affecting my ability to extend credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: NJ
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:
I review a current copy of my credit report and I show inaccurate information listed on my credit report. I sent dispute to request verification of account and have not received and dispute updates per FCRA. this creditor XXXX XXXX ( Original Creditor : 08 XXXX XXXX  ) is showing as a charge off on my credit report and reporting a balance due in the amount of {$480.00}. Per the FRCA and FDCPA no charged off account can list an amount in balance on any credit report. It must show a balance of {$0.00}. below is the creditor information. 

Creditor : XXXX XXXX ( Original Creditor : 08 XXXX  XXXX ) Account number : XXXX Balance showing : {$480.00} which is inaccurate credit reporting information.

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 2019-08-12
Company: Experian Information Solutions Inc.
State: OH
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:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX, XXXX/XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Thank you for your response regarding my recent dispute. I appreciate you looking into this matter.

I wanted to clarify that my dispute concerns aligning the reporting format of the Date of First Delinquency field with Metro 2 standards, rather than the factual accuracy of the date itself which you verified. 

Specifically, Section 18.3.2 of the Credit Reporting Resource Guide 's published Metro 2 guidelines requires that dates of first delinquency be reported in XXXX format for accounts more than 24 months old. 

As a furnisher, XXXX is obligated under the FCRA to report consumer credit data, including dates, in compliance with Metro 2 technical formatting standards. 

As such, I kindly request that XXXX reformat the Date of First Delinquency on this account to follow the XXXX format required for dates over 24 months old when you report this data field to the credit bureaus. The bureaus rely on furnishers to provide Metro 2 compliant information. 

Please let me know if you have any other questions or need clarification regarding this Metro 2 dispute. I appreciate your cooperation in ensuring furnished data aligns to mandatory reporting standards.

Thank you again for your assistance. 

Regards, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29
Company: Experian Information Solutions Inc.
State: IL
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:
Note : This is my third Complaint with the CFPB. About the same issue with EXPERIAN. Experian it is my Right and Federal Law that you provide me with copies of the Original Signed Contact of the Negative XXXX XXXX # XXXX Account on my credit report ( That Experian should have ). Note : I Am Demanding Copies Of of the Sign Contact with my signature. If fail to do so I will seek damages in the court of law or Experian can Remove this ITEM. This is my last warning!!!

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 2021-11-03
Company: Titan Revenue Solutions
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We belong to a racing association that had a block of rooms back inXX/XX/2018. These rooms were limited so I called months prior and wanted to reserve rooms early before they were booked. When I called I spoke with someone in Sales and they faxed me a " request form ''. I faxed it back immediately and called to confirm if they had received this. I never spoke to anyone I had to leave a message. I called back numerous times and never spoke to anyone, I always left a voice mail with no return call. The day prior to the race I believe on XX/XX/2018. I called again and left a message stating I have not heard from anyone on the confirmation of my rooms and that I had to make a reservation at a different hotel as when I called the front desk for a regular reservations I was told the hotel was completely booked so I went elsewhere. The next day about XXXX XXXX as we were driving to our event, I finally received a phone call and was told my reservation was accepted. I told them I did not need the rooms as I never heard back from anyone even after weeks of trying to confirm my reservation with no success. I was told I could not cancel as it was after the XXXX XXXX cut off for cancellations. I explained my situation and I was told " to bad '' it was after XXXX XXXX  I never knew this went into collections until last month it showed up on my credit report. I have called the hotel to speak with the hotel reservation manager and have left two messages and AGAIN with no call back so far.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was denied loan for Home long term coustomer Retired senior. For income Property, personal loans

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 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX RE : Bad faith failure to provide XXXX credit card insurance coverage on claim XXXX XXXXChase and their administrator,  XXXX XXXX XXXX, have continued to delay providing clearly required and repeatedly admitted insurance coverage for damage to a car rented using our XXXX/Chase credit card. Despite our repeatedly providing the same information to XXXX/Chase through their claims administrator over the last 6 weeks they have failed to respond. This delay now imminently threatens our credit rating. 

The car we rented from XXXX XXXXl was scraped on XX/XX/XXXX. We notified XXXX on XX/XX/XXXX by phone. On XX/XX/XXXX after receiving the repair information from XXXX, we sent XXXX  the requested voluminous information to XXXX/Chases claims administrator XXXX XXXX XXXX, which we assembled, responding completely to all of XXXX/Chases inquiries. 

Since that time XXXXChase, through their administrator XXXX XXXX XXXX, has three times responded to us, asking the same questions they initially asked, each of which was completely answered in the materials we initially provided to XXXX. XXXX investigators failed to look beyond the first page of scanned documents. We did, however, respond to each new inquiry completely and promptly, providing again the repeatedly requested information. 

XXXX XXXX XXXX XXXX has now given us until XX/XX/XXXX, to make payment or they will refer the matter for collection. This is entirely XXXX fault and their delay is wholly without justification. 

We have talked to XXXX people, who say XXXX/Chase does this all the time : delaying, and then trying to save money by further negotiating down what they owe, even though there is no question what is owed. For instance, XXXX/Chase haas now submitted a proposal that does not cover the interest XXXX has added for all the delay, and that requires a release, even through they are not entitled to a release from XXXX. 

Thank you for your attention. 


XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX. XXXX mobiles

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have a XXXX XXXX of XXXX XXXX XX/XX/2022, Applied for Capital One Venture X credit card. But my application was denied. It says that Capital One made the decision on the basis of XXXX. I contact XXXX and they says that their data inputs were favorable. Next day, I applied for XXXX XXXX XXXX credit card and they accepted my application. It seems that Capital One is not very transparent in terms of application processing. Attaching denial letter from Capital One, Email with Experian and acceptance letter from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Acceptance Rentals, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and saw a few fraudulent accounts on my report. The acounts are as followed : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5700.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$5200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3200.00} OPEND XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$4100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6400.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX  XXXX / {$2800.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$2900.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX XXXX / {$1100.00} OPENED XX/XX/XXXX ACCEPTANCE RENTALS XXXX {$1900.00} OPENED XX/XX/XXXX XX/XX/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 2022-03-31
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: Investigation took more than 30 days

Complaint:
I submitted my police report to Equifax detailing fraudulent accounts reporting in error on my credit report. The account numbers and fraudulent account details were included in my police report. I also included a copy of my drivers license and social security card. I requested that the fraudulent account be removed pursuant to the Fair Credit Reporting Act, Section 605B. Equifax processed disputes and verified my name and social security number that has been breached and ignored my police report detailing the fraudulent accounts that I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizen one bank is the mortgage company. They have been charging forclosue fee but the home is not in forclouse and all payments are current. 
It has been behind. But never should have had foreclosure fee. When I ask about it I am transferred or hung up on. I have since went Thur the payment backing to 2018 and noted fee that I was not knowledgeable about

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 previously have submitted 3 disputes regarding the account with the three major credit bureaus going back since XX/XX/XXXX and they all have came back verified. After being unsuccessful I decided to contact the creditor via mail. i mailed a letter to Capital One on XX/XX/XXXX and they received it on XX/XX/XXXX. In the letter I stated that there was an account on my credit report that i did not recognize. I asked them how they verified this account and any original signed documentation that was tying me to this account that they were alleging belonged to me.I received a response from Capital One on XX/XX/XXXX regarding my letter. In the letter they requested in order to research my request that they needed a copy of the letter they sent me, a copy of my credit report, a copy of my original letter sent and the last 4 digits of the account number. I am appalled by the stall tactics that they are using regarding my request. I already sent them a letter with my name an address regarding my request with the partial account number that is listed on my credit report. I will not be giving them my social security number, which they already have because it is being reported on my credit report. It is there job to look into the investigation and provide me what I requested. They have more than enough information to properly look into my request. I have included all correspondents with Capital One and a copy of them reporting on one of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I sent in documents to chase mortgage for a loan modification to get approval when i go approve XX/XX/18 i sent in a payment before XX/XX/18 of XXXX 3 month trail period then i receive aletter 3 weeks state that my loan modification was cancelled so my home is active for foreclosure and chase refuse to help me. please help me resolve this matter where i want lose my home because i am harding a hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We did not receive notification that our escrow amount had been recalculated due to changes in local tax rates, etc. so our XXXX 2015 payment made XXXX XXXX, 2015 was {$140.00} below the new amount. After receiving a phone call from the company 's debt collection department on XXXX/XXXX/15 we promptly sent out the additional {$140.00} we owed via bill pay through our bank. We called to confirm receipt on XXXX/XXXX/15 and were assured that the problem had been corrected. We continued to receive debt collection calls on XXXX/XXXX/15 and XXXX/XXXX/15 despite believing that our account had been made current. During the call on XXXX/XXXX/15 it was determined that our original XX/XX/XXXX payment for the incorrect, too low amount had been applied to principle and our account continued to show that we needed to pay again to be current. The customer service agents said that they would submit a request to have the prior payment applied correctly for the XX/XX/XXXX monthly payment instead of principle and we were given a timeframe of 7-10 days for the process to be completed. On XXXX/XXXX/15 we received a letter in the mail dated XXXX/XXXX/15 stating that our account continues to be past due and that we would be reported to credit bureaus if we do not pay the outstanding balances immediately. Representatives from the customer service department on XXXX/XXXX/15 stated that the letter was sent due to the erroneously applied XX/XX/XXXX payment and that the timeframe for reversal of the payment and correction of the issue would now be 35 business days. They could not provide an explanation of why the new time frame was so different from the previous time frame. They state on the phone that we will not be charged late fees or have negative reports on our credit report, but we have no documentation of this or real assurance that this will actually be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: SC
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:
The following inquiries are fraudulent accoding to 15 U.S. Code 1681n : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 opening another complaint against TransUnion. I have submitted proof multiple times that an account has been paid in full, but TransUnion states it does not meet criteria, but will not inform me what criteria needs to be met. TransUnion does not look into whether or not something is accurate when it is first added to your credit report, but when solid proof is submitted to prove inaccuracy, they do no correct the errors. The balance in question for XXXX XXXX has been changed from {$1800.00} to {$0.00} and back to {$1800.00} in a 3 day span. Each time my credit score is affected differently. So, once again I am submitting the contract with a PAID IN FULL stamp that was provided to me by XXXX XXXX and I expect the balance to be updated and kept at {$0.00}. When I asked for proof that my account was paid in full this is what XXXX XXXX provided me with and should therefore be acceptable to the credit reporting agency. You will also notice that the CHARGE OFF DATE was XX/XX/XXXX where as the paid off date is XX/XX/XXXX therefore proving yet another inaccuracy in the reporting.

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