BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-24
Company: EQUIFAX, 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:
I sent my first round of dispute letters to each credit reporting agency in XXXX of 2022 stating that a bankruptcy on my credit report wasn't verified and to provide me the physical proof of verification. Within 3 weeks each credit bureau stated that it was verified via XXXX XXXX. I contacted the court that was listed on my report asking them to provide me with their method of verification to which they responded with a letter stating they do not physically verify with credit bureaus. I sent a second round of dispute letters in XXXX of 2022 along with the letter from the court stating I wanted the proof of physical verification. Its been 3 weeks and i called today to follow up. I spoke to two separate individuals both providing me with generic responses " it can take up to 30 days for a dispute to be updated '' I said I provided documentation from the court and I was told " credit bueaus dont process documents or review them we just upload them into your file '' I was told that XXXX, XXXX  ans XXXX  gets their information from XXXX XXXX which is a third party vendor who still doesnt physically verify. The credit bureaus are refusing to delete the bankruptcy yet they arent physically verifying nor are they providing me proof that they actually investigated each time I've disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Im unsure of how my credit keeps getting pulled. All Creditors should be calling me at XXXX to verify Im applying for credit!! I keep getting Alert saying someone apply for credit in my name. Im also getting alerts saying my email and personal information has been Compromise 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 XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please see attached FTC report and Delete information from my credit file.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX # XXXX Closed Accounts : XXXX  XXXX # XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX AUTONATION 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Lien release

Complaint:
I originally submitted the below complaint on XX/XX/XXXX regarding the Bank of America. The CFPB responded last week and said the Bank of America would be in direct contact to me but I have not heard anything over a week later- I have been told this is quite odd. Please ask the Bank of America to forward me their response and please send me the response that the Bank of America said it was going to forward to you the XXXX. 

Thank you, XXXX XXXX " Dear XXXX, We want to know how the Bank of America allowed the Bank of XXXX XXXX to transact XXXX XXXX XXXX, XXXX XXXX Michigan in XX/XX/XXXX given that the Bank of America had first lien position on the property. According to the XXXX XXXX XXXX XXXX XXXX, the Bank of XXXX XXXX still has not released its lien position which contradicts the title work that I and my wife , XXXX XXXX XXXX were given at closing on XX/XX/XXXX. We had tried to address this issue with both banks but nobody has replied and details are outlined in the attached letter. Thank you, XXXX XXXX, XXXX XXXX ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
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:
I sent my first round of dispute letters to each credit reporting agency in XXXX of XXXX  stating that a bankruptcy on my credit report wasn't verified and to provide me the physical proof of verification. Within 3 weeks each credit bureau stated that it was verified via XXXX XXXX. I contacted the court that was listed on my report asking them to provide me with their method of verification to which they responded with a letter stating they do not physically verify with credit bureaus. I sent a second round of dispute letters in XXXX of XXXX  along with the letter from the court stating I wanted the proof of physical verification. Its been 3 weeks and i called today to follow up. I spoke to two separate individuals both providing me with generic responses " it can take up to 30 days for a dispute to be updated '' I said I provided documentation from the court and I was told " credit bueaus dont process documents or review them we just upload them into your file '' I was told that XXXX, TU ans XXXX  gets their information from XXXX XXXX which is a third party vendor who still doesnt physically verify. The credit bureaus are refusing to delete the bankruptcy yet they arent physically verifying nor are they providing me proof that they actually investigated each time I've disputed.

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 2020-04-16
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PNC called me about my 2nd home ... which is in default ... no fault of mine ... I tried to correct the problem but PNC would not work with me. I have a tenant with many children ... who is through XXXX XXXX XXXX. My tenant was to move XX/XX/XXXX ... but Covid-19 hit and we are in a state of emergency. PNC just called me ... threatening me ... ..and told me to evict my tenant in the middle of a global pandemic. 

Please see my email XX/XX/2020 ... to them ... and asking for at least payments to be deferred to the end of the loan ... as the President stated. 

To PNC : Good afternoon XXXX I just received a very disturbing call from PNC. 

We have a global pandemic and PNC just called me about my payments. 

As of now ... everything is frozen ... no evictions and no foreclosure because of Covid-19. 

My tenant was to move out XX/XX/XXXX ... but she is through Housing and Housing and our State has put a hold on everything. I have not received a payment from Housing because of the hold. The tenant is still there ... and I will not break the law by evicting her in the middle of this epic pandemic. 

PNC just told me to evict! Please tell PNC to back off or I will make the phone call very public. 

I expect ... as it's been stated - that at least 3 mortgage payments can be deferred to the end of the loan because of the global pandemic. 

Can you please have my payments deferred for 3 months ... as there is nothing I can do to change this situation. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: GA
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 credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 an account without my written instructions I did not give anybody 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 non-monetary relief
Consumer complaint received 2022-06-24
Company: ProCollect, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone rented an apartment in XXXX XXXX XXXX in Rhode Island using my SSN on XX/XX/XXXX and owe balance of XXXX XXXX Pro Collect Inc report a collection debt on my credit history on XX/XX/XXXX which impacted my credit history. I called Pro Collect Inc and tried to tell them I didnt owe this money but they are not accepting it and asking me to pay money. 

Pro Collect Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas - XXXX Pro Collect Confirmation No : XXXX Agent with whom I spoke with COntact No - XXXXXXXX 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 2022-07-27
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I didn't give the said Debt Collector consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes.

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt.

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of XXXX years.

The said Debt Collector need to understand this is also aggravated identity theft 18 USC 1028A I'm demanding for the alleged debt entry to be deleted and removed from ALL CRAs effectively immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive tried telling them this was not mine due to identity theft, I have no knowledge of this or when so when this did appear on my credit report I asked if they can work with me or help me find the right source to remove this off my account. very rude, hung on me. forced me to try and pay a debt that was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: AL
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 Fair Credit Reporting Act 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 an account without 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 non-monetary relief
Consumer complaint received 2020-04-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX 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 file for others to see. 

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, phone numbers, and names corrected on my credit report. This is a violation on my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
The company is reporting late paiments and i never paid late. The account they reportin late paiments is XXXX XXXX XXXX XXXX of the account 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 2022-07-27
Company: Experian Information Solutions Inc.
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 have a dispute with Experian and a credit card I never opened by XXXX XXXX on XX/XX/2022. The account shows closed on XX/XX/2022 after I called XXXX XXXX disputing the account, but never should have been opened in the first place. 

I have multiple disputes with XXXX. There is an address and phone number that is not mine requested on XX/XX/2022. In addition there was a hard inquiry by XXXX XXXX XXXX XX/XX/2022 with the same address and phone number that does not belong to me. I called XXXX XXXX XXXX XXXX fraud, but this is still on my XXXX account XXXX Also the same XXXX XXXX account opening and hard inquiry on XX/XX/2022 and account closing on XX/XX/2022. 

I would like these cleared up and removed from my credit reports.

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 2022-11-26
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX  # XXXX / XXXX Date Opened : XXXX / XX/XX/ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX 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 an account without 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 2022-11-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the 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 explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Today on XX/XX/22 My credit score was a XXXX It is now a XXXX Experian is now pushing yearly credit cards on people with bad/fair credit. 
It's a bait and switch. 
The companies of these credit cards are paying Experian to push their XXXX/high-interest rates cards. 
The credit card company then pays Experian for placing preapproved credit cards on their site. 
Mind you with a yearly fee and very high-interest rate. Predatory lending at its finest! 
Moreover, once you're approved for their card your credit score goes back up. So do you see the scam/con? 
Checking your credit isn't really free while they're pushing these high credit cards on " poor '' consumers. 
If you will not rectify the problem, we will be going to the news media. These folk needs to be exposed! Sincerely, XXXX XXXX. A poor consumer.

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 2022-04-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I paid a collection from XXXX XXXX and it is paid in full in XXXX.on the Experian it dropped my score XXXX points stating its a paid collection late in XXXX. I am in the middle of a mortgage loan and at risk of losing my financing due to the wrong reporting.How could I be late in XXXX on Experian on the same day it was paid in full. I truly need this to be connected immediately or Im at risk of losing my mortgage loan and I already put everything into this.

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 2022-09-19
Company: SYNCHRONY FINANCIAL
State: CO
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:
Hello. Thank you for your assistance with this matter. 

I signed up for the Venmo Credit card, which offers an introduction promo of double rewards for the first year. Over that it should go back to its regular reward program which is : 3 % cash back on the top spending category, 2 % on the second category, and 1 % on all other purchases ( so for the 1st year 6 %, 4 %, 2 % cash back respectively ). Venmo/ synchronycredit has not been upholding the contract with the rewards. Not only have I not been getting the promised double rewards, but I'm not even getting there regular rewards. I have spend {$300.00} with them thus far and only gotten back {$34.00}, or 1.1 % back.

They do not show customers how the rewards are calculated, instead they assure that all rewards will be calculated by them to make things easier on the customer. Unfortunately, they calculate the rewards incorrectly. By not showing the data they are intentionally make it very difficult for the customer to check their rewards, as well as obscure their shady and illegal business practices. 

I have called, emailed and messaged them about this issue repeatedly, they have verified that I should be receiving the 6 %, 4 %, 2 % rewards but I am not. They have said that they will fix the issue and send me my rewards balance, but have taken no action. 

I never received a physical copy of our card agreement, so I have asked for them to send me physical or emailed copy of our contract; to which they said that that was impossible. Pretty sure they are in violation of some laws by refusing to send my contract.

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