BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These companies are in violation of FCRA 15 USC 1681. Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given any company or credit reporting agency written, non-written, verbal- non verbal per 15 USC 6802 15 USC 6805 and 15 USC 1681 ( b ) Privacy Act 1974, 20 USC 1232 ( G ) 34 CFR 99 Privacy Act 1974 and 5 USC 552 ( a ). Utilization reporting on my credit reports clearly violates 16 CFR 433.2 16 CFR 433.3. and Section 623 ( a ) ( 6 ) income and transactions reporting to any non affiliated entity is prohibited. According to the IRS publication 1099c Code F under Identifiable event codes. These companies failed to provide a 1099c for tax purposes. I am required to rectify these charge amounts as income when filing tax returns. Including 15 USC 1692 ( e ) by failing to report accurate, correct and true information on my credit report. Im requesting my credit report is updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: AR
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:
On XXXX XXXX, I sent several requests to Experian to investigate concerns found on my credit report. I correctly included my driver 's license, social security card and a bill to represent my correct address. Three Letters dated XX/XX/2023 was received from Experian indicating that the proof of identity provided ( my driver 's license and social security card ) does not match the information that they have on file. Therefore, I should submit information ( 2 ) that would validate who I am. Among the list I can provide as proof is my driver 's license and social security card. In addition, Via email on XX/XX/XXXX, XXXX, XXXX, XXXX, I received correspondence from Experian indicating that they received a request regarding my credit report ( certified letters ). However, they stated that it doesn't appear to be sent by me therefore they will disregard my requests. I replied to the email indicating to them that I am indeed the person and to follow up on my requests. No response. I re-sent the same letters with my handwritten signatures via certified mail again ( all in one package ), driver 's license and social security card. Experian has refused to investigate my concerns on my consumer report.They have disregarded my concerns and have cause me undue stress. They have refused to investigate my concerns and this is a violations of so many laws there is no need to list but will be addressed.

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 2019-12-19
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
PCN Bank, NA XXXX XXXX  XXXX, XXXX, PAXXXX XX/XX/XXXX On the date of XX/XX/XXXX my certificate matured ( cert # XXXX ). I called to have my certificate ( CD ) to be closed on that date. I talked to XXXX XXXX and told her to close out the CD. She said she would and would send me a certified check for the amount of XXXX. I never received it. Weeks later I logged on to my online account and found out it was still open, and had a new maturity date of XX/XX/XXXX. 
On the date of XX/XX/XXXX I was I was told by the Bank to call the Retail Escalations Manager PCNBank XXXX, that it did not receive my certified check. I talked to a XXXX XXXX and he told me he would fix it, and I would receive the certified check, within 10 days. I have still not received the check

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, 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 writing to express my frustration and disappointment regarding the ongoing challenges I have faced in attempting to rectify fraudulent items on my credit file. I have made multiple attempts to dispute and remove these inaccuracies, but despite my efforts, the issues persist. This situation has caused significant distress and has a severe impact on my financial well-being. 

I have attached supporting documentation, including police reports, affidavits, and any other relevant materials, to substantiate my claims of fraud and to assist in the investigation. I demand that you promptly initiate a thorough investigation into these matters and take immediate action to remove the fraudulent entries from my credit report. 

Additionally, I am requesting regular updates on the progress of the investigation and resolution of this matter. It is crucial that this issue is addressed with the utmost urgency to prevent further harm to my financial standing. 

If my concerns are not addressed promptly and satisfactorily, I will have no choice but to escalate this matter to regulatory authorities, and seek legal counsel to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXXXXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : $ XXXXpreviously Late Open : XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX, XXXX Balance {$240.00} XXXX XXXX XXXXXXXX XXXX Balance : {$680.00} XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Our home mortgage loan is with Lakeview Loan Servicing , LLC. A security incident involving unauthorized access to their file servers occurred in early XXXX of XXXX. As a result, a list of individuals ', including myself and my husband 's, information ( including our social security numbers ) were accessed. Due to the breech in security, Lakeview Loan Servcicing has offered a year 's membership to XXXX, a third party monitoring company, to provide security protection and monitoring services to us. 

I went onto XXXX 's website and began to fill out the information required for membership. One of the first questions asked for our social security numbers. I felt extremely uncomfortable giving this information to a company that I know nothing about and is not even listed among the top ten security protection and monitoring companies. 

We believe XXXX should pay for a security fraud protection company of OUR CHOOSING. When I tried to contact Lakeview Loan Servicing, at ( XXXX ) XXXX, I left a message for the Senior Vice President and Chief Compliance Officer, noted at the bottom of the correspondence, notifying us of the breach in security. I never received a call back. Today, I tried calling again. The gentleman who answered the phone had such a heavy accent that what he said was mostly indecipherable. In the end, I was refused the request to speak with XXXX XXXX, XXXX, Chief Compliance Officer and told to call " another day. '' So, it appears that we are left with our personal, pertinent information, floating around out there ; We have no recourse and can not reach the loan servicing company for comment, help or questions. 

Can you please help 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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681XXXX, which states that continued reports of the unverified account without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Balanced Owed : {$23000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: AKT AMERICAN CAPITAL, INC. DBA AMERICAN CAPITAL CORP.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan to refinance my rental property with ACC Mortgage in XXXX, GA. While going through the loan processing, the lender ordered an appraisal from XXXX XXXX and XXXX XXXX. The assigned XXXX called For appointment to inspect the property on XX/XX/22. Three days later, the appraisal report was completed and turn in to the lender. I spoke to the Loan Officer, XXXX XXXX who told me the property value came in very low and he was surprised because prior to ordering the appraisal he had check the comps. 
In the area and according to the recent sales the estimated value for the property shouldnt come in between {$300000.00} to {$320000.00}. However, to his Surprise the appraised value came in at {$180000.00}. I was shock and surprise because my loan application request was for {$220000.00}. The value of my property was grossly devaluated and I told him that I wanted to challenge the appraisal which was my rights. He agreed and the lender send 4-5 current comps with higher sales prices to the appraiser for reconsideration of value. To the lenders and my surprise, the appraiser refused to use any of the five comps submitted By the lender and didnt make any changes to the value, which was devastating to me. He also refused to complete an additional form 1007 required by the Lender to verify the current rents in the area. I believe this appraiser was very Bias and XXXX and this was a typical case of discrimination in real estate appraising. Because the property is in a predominately minority area, own by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  tenants living in it. Unfortunately for me the lender had to denied my loan application for the reason Stated : INADEQUATE COLLARERAL, VALUE IS NOT SUFFICIENT. I had to get another and applied for a new loan in order to get another appraisal, which I did, A new appraisal was completed on XX/XX/22, with an appraised value of {$270000.00}. 
I am attaching and uploading both appraisals to this complaint.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: OK
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My credit card, which I only use for Credit purchases, wiped out my entire checking account by stealing the mony in my checking account fraudulently. I never gave anyone permission to take funds from my checking account - ever. It has cost me over {$1000.00} in bank overdrawn fees, {$400.00} in late fees from my other vendors that the money belonged too. My credit is ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: VA
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:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate this accounts : Account name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX, XXXX, MI ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX  XXXX XXXX  XXXX XXXX GA XXXX XX/XX/2022 ; XXXX XXXX XXXX Balance : {$13.00} ; XXXX SELF-REPORTED XXXX Balance : {$200.00} ; XXXX SELF-REPORTED XXXX Balance : {$8.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Company hasnt mailed requested information validating closed accounts. Under FRCA ALL INFORMATION ON A CONSUMER REPORT MUST BE ACCURATE. REMOVE CLOSED ACCOUNTS, STUDENT LOANS ACCOUNTS NOT MINE REMOVE, XXXX XXXX ACCOUNT REMOVE NOT MINE. XXXX XXXX XXXX INQUIRY REMOVE I HAVVE NEVER SIGNED ANY CONTRACTS WITH THESE COMPANIES.

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 2019-12-19
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Pre-Legal Notice Midlandcredit.com Company-XXXX XXXX MCM will be forwarding account to an attorney for litigation. 


XXXX XXXX Envelope to my address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX XXXX XXXX put my debt into collections it is wrong XX/XX/XXXX they gave it to LVN FUNDING LLC with a balance of {$640.00} they called my work multiple times everyday I could have lost my job they contacted my family they eventually got a hold of my mom and told her if I didn't pay this then I was going to jail within the week they threatened to put a lien on my car they threatened to garnish my wages and they threatened to put me in jail if I did not pay them my mom got so nervous they came to an agreement to pay off the account for {$400.00} and close it we have a paid in full letter from LVN FUNDING LLC For the Agreed amount to close the account for {$400.00}. I do not understand why it's still showing up on my credit report and I don't think they should be allowed to threaten people especially relatives my mom has a XXXX  XXXX and that could cause really big problems

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I wrote to Midland Credit disputing a collection posted in my account and requested for more information, specifically validation on the debt. I sent the letter via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and it was delivered on the XXXX of XX/XX/2021. In the letter, I also requested the company to Cease and Desist from reporting this debt to any Credit Reporting Agency as it was not validated. 

On XX/XX/2021, I received a letter back from Midland Credit. In their letter, they acknowledged the dispute and noted that they concluded their investigation and that the information reported to the credit agencies was accurate. 

On XX/XX/2021, I responded back to Midland Credit, advising that they had still not provided any proper validation for the collection account in my Credit Report and that they were violating my rights as a consumer for not providing this information. They had also not deleted the account from my Credit Report and the language used on the letter had violated several consumer laws. This letter was sent via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and a return receipt was also included. I never received a return receipt back. The tracking number showed my letter was delivered on XX/XX/XXXX. 

As of today, XX/XX/2021, I have not heard back from Midland Credit, and they are still reporting the collection account on my Credit Report. I gave them 20 days to respond back and delete the account from my Credit Report but they have not done either. 

How am I supposed to pay an account that can not be properly validated? This could possibly be a fraudulent account that they can't even prove is mine. I asked for a signed contract, and nothing has been provided. Please assist me in obtaining a resolution, thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Equifax for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Equifax was XX/XX/2022, with complete attachments of my Personal information, but despite all my efforts, Equifax seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Equifax investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. I also reached out to the bank and they agreed to remove the accounts from my file. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Equifax to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EQUIFAX REMOVE THE ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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: Their investigation did not fix an error on your report

Complaint:
After receiving a copy of my credit report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I am hoping that these accounts late will be corrected. 

XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXI 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 non-monetary relief