BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account shows up to be in bankruptcy. I tried contacting the Equifax Credit Bureau to supply me personally along with a copy within the contract signed or voice interaction where I granted billing me through this account but no successful resolution. There was definitely an error on their part. Please delete this particular through my credit as stated by the Fair Credit Reporting Act. 
XXXX Amount : $ XXXX-Date XXXX : XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
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: Account status incorrect

Complaint:
XXXX, XXXX XXXX, MERCHANTS CR ( Orig.  Creditor : XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX ), CONVERGENT OUTSOURCING ( Original Creditor : XXXX ), XXXX, and XXXX XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses on my report corrected, this is a violation of my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: CORELOGIC INC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I AM IN NEED OF YOUR ASSISTANCE TO COMPEL CORELOGIC/CREDCO TO COMPLY WITH THE FCRA AND THE STATE OF ILLINOIS LAWS ( THE STATE IN WHICH I RESIDE XXXX XXXX. XXXX XXXX. XXXX ). 

THIS WILL ASSURE ME THAT COMPANIES SUCH AS CORELOGIC/CREDCO WHO OPENLY ADMIT THAT THEY ARE RESELLERS OF CONSUMER REPORTS WHO SHARE OR GIVE OUT INFORMATION WITHOUT THE CONSUMERS AUTHORIZATION, BE STOPPED. 

I HAVE RECENTLY SENT A LETTER REQUESTING AN IMMEDIATE FREEZE BE PLACED ON MY CORELOGIC/CREDCO REPORTS. ( SEE EXHIBIT 1 LETTER ORIGINALLY SENT TO CORELOGIC/CREDCO ) ALSO ENCLOSED WITH THE LETTER WAS MY SOCIAL SECURITY NUMBER, COPY OF DRIVERS LICENSE AND A COPY OF RECENT BILL FOR PROOF OF ADDRESS. 

CORELOGICS XXXX RESPONSE WAS ; TO DEFLECT BY ASKING ME TO CONTACT THE THREE MAJOR CREDIT BUREAUS, RATHER THAN COMPLYING WITH THE WELL SETTLED LAWS THAT WERE AFOREMENTIONED, AND PLACING A SECURITY FREEZE ON MY INFORMATION IN WHICH THEY HOLD. 

THEREFORE, I AM ASKING CFPB TO COMPEL CORELOGIC/CREDCO TO IMMEDIATELY FOLLOW THE LAWS AND TO STOP VIOLATING MY RIGHTS, OUTLINED BOTH BY THE FCRA AND THE STATE OF ILLINOIS IN WHICH I RESIDE. 


EXHIBIT 1 LETTER SENT TO CORELOGIC/CREDCO EXHIBIT 2 CORELOGIC/CREDCOS RESPONSE

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 2017-03-23
Company: U.S. BANCORP
State: CO
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
I was given a visa gift card for my birthday, with a balance of {$100.00}. The card says it was issued by US Bank. 

Several months later I removed the card from its original packaging and tried to register it on the provider 's website. When I tried to register the card to verify the balance, I found it had already been used for the full amount on the card, leaving a XXXX-dollar balance. 

I called the customer service number as printed on the card and filed a claim. I was informed the transaction had taken place in a XXXX store in California on the day before my birthday. 

This week I was informed that my claim had been denied, because I had not filed it within 120 days of the gift card 's fraudulent use. 

As the card had remained in the original packaging until XX/XX/XXXX, and there were no instructions on the packaging indicating I was required to register it within a certain time period, I did n't have any information that I suggested registering the card and checking its balance was anything other than optional. 

Doing research online, this turns out to be a widespread problem, that has been going on for some time. There are a number of articles online describing others that have fallen victim to this scam. Some claim that hundreds of complaints are received each day. 

Unfortunately, the corporation selling these cards has yet to take any action to either prevent this fraud, or to warn customers of the risk of the fraud and what they must do to protect themselves should the card 's account be used for unauthorized purchases. No warning is given that if the card is not registered within a particular time frame that the card holder will not be reimbursed for the fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19
Company: WELLS FARGO & COMPANY
State: CA
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 when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and XXXX XXXX  and Wells Fargo. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. The Account Opened is Wells Fargo Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. The Account Opened is Wells Fargo Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2017-12-25
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: Credit inquiries on your report that you don't recognize

Complaint:
My XXXX account indicates a hard enquiry that I did not authorize. 
Details are : Name : XXXX XXXX XXXX XXXX Date of enquiry : XXXX XXXX, 2017 Agency reporting : Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong.

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 2015-09-02
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have a chapter XXXX case going, our mortgage arrears are included in our chapter XXXX we are paying our chapter XXXX every 2 weeks on time. PNC is our mortgage company, I find out information by calling not by notices. My XXXX complaint- they do n't send notices! We were approved for a reduced principal modification back in XXXX, showing our XXXX payment due on XXXX XXXX, 2015. We sent all the paperwork back by the end of XXXX as requested, we signed and had the paperwork notarized. I had n't received any payment books or papers stating completion by the end of XXXX, so I called PNC to find out that the modification could n't be completed due to PNC wanting a motion from the bankruptcy judge approving the modification. I had no paperwork, or calls regarding this issue. I found out due to calling in to PNC. I talked with our attorney for bankruptcy and they were able to get the motion heard XXXX weeks later. Our attorney advised us that the judge will not rule on the motion due to the ruling being unnecessary. Our home is not included in the bankruptcy, only the arrearage. So I have n't heard from PNC, and we were planning on making our XXXX XXXX payment, I still have n't had any correspondence from PNC. I called yesterday XXXX/XXXX/2015 and found out that our modification was thrown out due to the judge denying the motion as unnecessary. I will attach the judges decision. I spoke with a person in the bankruptcy department for PNC and she stated that the denial due to it being unnecessary should n't go against us for the modification. I was asked to send in the letter our attorneys sent us stating that as expected the judge denied the motion as unnecessary. I called PNC today to verify and faxes take XXXX days to upload, the person in loss mitigation did say he would send an email to the closing department to see if they can get our modification reactivated. I was asked to call back on Friday afternoon. How can we get denied since a judge denied the motion as being unnecessary?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: PNC Bank N.A.
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied to PNC Mortgage earlier this year to refinance my home mortgage and pay off my student loans. The bank, which holds my current mortgage, received my income data in the first few weeks of what turned out to be a five month-plus review process. It misleadingly encouraged me to proceed with the process, which cost me more than {$1000.00} in appraisal and other administrative costs, telling me repeatedly I had been " conditionally approved. '' The bank made unreasonable and continually changing documentation demands on me and then rejected my application. I disputed the the bank 's decision and especially the way it made it. About a month ago, I requested a refund of {$790.00} I spent on the loan review process. The bank has not responded to my request. I have attached to this complaint XXXX recent e-mail chains between me and PNC Mortgage officials : the first describing why I opposed the decision, and the second making the case for the requested refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Called AMEX credit card to ask about the promotional offer I had availed to upgrade my card on when does the 1 year expire so that I can downgrade and not pay the annual fee but still can keep the statement credit I received to upgrade it as it was valid till 1 year. I called the company on XX/XX/XXXX and was told to downgrade after XX/XX/XXXX so yeh statement credit does not get reversed. I did exactly that and cancelled in XXXX. Once I downgraded the statement credit reversed back and was charged to me. I called and filed the dispute and was told that that my XXXX year has not ended yet. I told them that I was provided the false information and they told me it was XXXX XXXX and I told them how would I assume its next year as the year was not mentioned by the rep. 
Anyways they are trying to brush this away and see if no help as they just want to charge the fees. 
Please let me know if you need more information. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong.

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 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Waiting more 15 days for response from credit bureaus requesting the item be deleted based on the credit bureaus lack of compliance with the method of verification.

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 2016-12-12
Company: PNC Bank N.A.
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
I opened a PNC bank visa card in XXXX with a promotional rate of 0 % interest on purchases for the first 9 months. However, PNC bank has been charging me interest since my XXXX statement, the first actual statement with charges. I have contacted them numerous times and PNC bank refuses to provide an explanation. I have disputed the balance with XXXX and XXXX, being very clear that the balance was PNC bank was reporting ( adding interest ) was wrong. However PNC bank replied to the credit bureaus that the amount they were reporting was accurate. There is no way in this universe that PNC Bank has not recklessly violated federal laws and breached the contract they drafted with me. This reckless and unscrupulous behavior has n't stop there. I had unauthorized transactions on this same Visa card, I reported them via phone and through there own secure message center on XXXX/XXXX/2016 however PNC refuses to at least temporarily remove those charges until completion of their investigation. Additionally, PNC bank reported the balance to the credit bureau by including the disputed transactions. I truly do not believe this to be an isolated incident. My daughter has filed complaints against PNC bank, who actually attempted to steal {$360.00} out of her checking account and would have if she did n't question the debit weeks later. PNC admitted an error but refused to explain further. Interesting, what would happen to me or any citizen if we went into PNC bank and took {$360.00} without permission. Jail prison, huge fines ....

Company response to consumer: Closed
Consumer complaint received 2017-03-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I cancelled my Citi card in XX/XX/2016. They did n't cancel it when I asked them to because they wanted to make me an offer. They accepted another charge to the card that I had cut up and disposed of then started charging me late fees for not paying. I called them, and straightened it out ( I thought ) on speakerphone with my husband listening. The service agent worked with me I made a FINAL payment on the phone. I asked TWICE if that was going to XXXX the balance and cancel the card and she responded YES. Today I got another bill for XXXX. They charged me a minimum fee of {$.00} and then a late fee of {$25.00}. I called and asked why. Because it 's the minimum fee ... the service agent could fix the late fee but could n't fix the minimum charge so it will just keep billing me forever. It 's only been {$38.00} so far because I keep calling and having them remove the charges but this is ridiculous to go on this many months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-03
Company: Continental Finance Company, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/XXXX a rep from XXXX XXXX XXXX XXXX called my job, my parents and my sister threating to come to my job and deliver some type of litigation document. Once I got them on the phone and spoke to a woman named XXXX which I now see is the name of the so-called firm. She claims I owed {$880.00} for a Master card I had back in XX/XX/XXXX or XX/XX/XXXX. Since her tone and her abrasive language and calling me a liar she told me I kept asking her how to get in touch with the creditor. She told me they were no longer in charge of the debt they were, but she insisted she was not a debt collecter but agreed to settle the debt with monthly installments. She would not give me an address or a direct number so I agreed and was sent a docu sign statement that included their address and phone number. I then sent a cease and desist letter on XX/XX/XXXX by certified mail. The ups tracing claims the letter can not be delivered. After researching online the address given XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX is a donut shop. their number is XXXX. I did my research and the CC they are referencing was charged off in XX/XX/XXXX and the account was closed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: FL
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 am a natural person. I am a living human being. I have rights under 15 usc 1681 Equifax is govern by 15 usc 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because : According to 15 USC 1681. I have the right to privacy. And I did not give written permission to furnish these accounts. 
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( {$29000.00} ) XXXX XXXX XXXX XX/XX/XXXX ( {$22000.00} ) XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Around XXXX of 2005 I applied and received a Home Equity Line of Credit with XXXX XXXX. I started making my payments and was paying a little more than the required amount. Shortly thereafter, I received a statement from Specialized Loan Service ( SLS ) dated on the XXXX of the month with a due date of the same XXXX of the same month. It has been a nightmare since then. I started receiving statements with fees, codes, and my payments going to unapplied funds, I have no idea what they are or what they are for. I tried to contact SLS several times attempting to get clarification an to have the issue resolved with no luck. When I called I would explain the problem get transferred several times, get cut-off/hung-up and some were just downright rude. When I wrote I got no reply or a letter stating " we found no error ''. This became tiresome and frustrating. I continued to send my payments, each one with a Post Office COM and they continue to go to unapplied fund. On several occasions they threatened to take action. As crazy as it sounds, I was so frustrated, I thought I might be able to get answers then. Earlier this year I discovered that SLS was not the owner of the loan. I knew that I needed to get this issue resolved before the loan became due in order to have it settled with the correct balance. I called SLS to get the contact information for the Lien holder. My first XXXX calls I was told they did n't know who owns the lien and that they do n't have access to that information. I thought that was strange. On my XXXX attempt the gentleman advised that I write in to request the contact info. I wrote to SLS informing them that the account is been disputed and requested the lien holder 's info. They then sent me a statement adding another {$3600.00} to the already disputed balance. I just learn about CFPB and hope that it will help me to put some closure to this nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: ALLY FINANCIAL INC.
State: LA
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:
N accordance with Fair credit reporting act account # XXXX has Violated my rights 15 U.S.C 1681 section 602A. State I have Right to privacy 15 U.S.C 1681 section 604 A section.2 it also state consumer reporting Agency can not furnish a account with out my written instructions

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 2015-07-14
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My property is in foreclose and the banks have not been cooperating with loan numbers or payoff information. I have lost at least XXXX sales and been threatened lawsuits against me for money damages because I could not get loan numbers in order to get payoff information so I could close. The bank wants my property and refuses to cooperate in the sale because I have equity in the property. It took me two years before I could find out the loan number on the XXXX. I now have another offer and the bank is now telling me that they can not find the file. They want it to go to sale so they can steal the equity even though they have already been paid for the loan.

Company response to consumer: Closed with explanation