BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX i settled in court to pay off 3 outstanding credit card balances with Portfolio Recovery Systems located at XXXX XXXX XXXX, XXXX Virginia XXXX. XXXX ; XXXX ; & XXXX. The agreement to pay at settlement was {$25.00} per account per month until it was paid ( attached ). I HAVE NEVER RECEIVED A BILLING STATEMENT FROM THIS ENTITIY. I have kept track of every payment made to this establishment on my own. I paid off XXXX & XXXX. When I got to the last payment of the docket in question XXXX, on XX/XX/2019, I wrote on the payment that I beleived it was my last payment and if it was not to let me know ( also attached ). Portfolio RETURNED my LAST payment back on XX/XX/XXXX Informing me it was unacceptable along with a note to say that I need to pay the unsettled balance of the debt immediately. 

I WAS LITERALLY MAKING THE LAST PAYMENT ON THE settled DEBT FOR XXXX!! I have been paying this dept for 4 years religiously AND as consisently as I could without EVER receiving a billing statement!! 

I then sent in what I believed to be the last payment a SECOND TIME with an Written explaination. 

IT WAS RETURNED AGAIN because I flagged them that I beleived It was my last payment. Portfolio refused it a second time, and scruitized the account to find reason not to accept the last payment and close the account so they can file a judgement for the original unsettled balance. 

In my explaination to Portfolio, I asked them to provide me with my payment information, a general billing statement in detail, which I havent received in the four years I have been paying them on any settled account. 

THEY have not complied ( see attached ) The just returned my second payment threatening to imply a judgement on the full unsettled amount. 

I have had ZERO issues with payment up until this point and I have settled two previous accounts with this collection agency before the one in question IN GOOD FAITH. I have also, almost entirely payed the docket in question in full. 

This is shocking unethical behavior and a very slimey way to profit off someone who is struggling. 

Now that Portfolio returned my last payment check..not once, but twice the last payment is still outstanding which could give Portfolio the opportunity issue a judgement which at this point is SO UNFAIR as I was down to my last payment! 

I didn't pay four years of settled debt to get down to the LAST payment of the LAST debt settled in court and have this happen. People who dont pay deserve this treatment NOT PEOPLE WHO DO! 

This is a horrible injustice and a desperate tactic for a collection agency to get paid. The owner is a lawyer and is manipulating the system for profit. Something he could be disbarred for. 

Please assist me to clear this up. I would hate to have to take this to the bar association next. All supporting documentations are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: IN
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:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I attach proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. There are also numerous inquiries that are shown in my report, many of which are not mine. All these companies referred me back to the creditors that submitted the requests, who then referred me back to the companies which resulted in a vicious cycle of runaround. I am a victim of fraud, and this data breach has truly hurt my credit score. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX 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 2019-07-10
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I am completely shocked. Wait times to speak to a customer service agent at Barclays were an hour. I had to hang up and call back. When I called back, they told me my APR was 27 % when initially during application I was told it was 18 %. Then, they tell me there is NO BENEFIT GUIDE. All mastercards come with certain benefits, that vary by issuer. Generally, Barclays includes baggage insurance, car rental insurance and trip cancellation protection. The agent, at extension XXXX HAD NO IDEA WHAT A BENEFIT GUIDE EVEN WAS. He was by far the most uninformed customer service rep that I had ever spoke with, except maybe the person who transferred me to him. The XXXX XXXX XXXX is a joke. You can't get through, they lie to you about the rates, they lie to you about benefits. This is absolutely unacceptable. How does a CSR not know what a benefit guide is?

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 2023-11-26
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/23, I disputed this XXXX account for the accuracy of reporting to the 3 major credit bureaus. 
I have attached a copy of the most recent reporting for XXXX and highlighted the inconsistencies they are reporting. I have not received investigation results regarding this accounts from them, I have also disputed this account via mail to the bureaus on XX/XX/23, XX/XX/23, & XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, XXXX and Equifax are all reporting information on my credit report illegally. 

According to 15 US CODE 1681a the consumer report DOES NOT INCLUDE : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX, Equifax, XXXX are reporting late payments on my credit that I never had and should never be recorded ANYWAY if I did have them. 

Account - XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX The late payments recorded for XXXX and XXXX of XXXX NEED UPDATED IMMEDIATLEY to CURRENT so it will stop damaging me financially and mentally. 

Account - XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX the late payments recorded for XXXX and XXXX of XXXX NEED UPDATED IMMEDIATLEY TO CURRENT They are also reporting the transaction and experience I had with XXXX XXXX XXXX date opened XX/XX/XXXX I NEVER GAVE WRITTEN CONSENT TO REPORT THIS ACCOUNT TO THE 3rd PARTY CREDIT REPORTING AGENCIES. I NEED THIS REMOVED IMMEDIATLEY. 

They are also reporting the transaction and experience i had with XXXX XXXX opened on XX/XX/XXXX I NEVER gave XXXX written authorization to communicate my private and personal info to the credit reporting AGENCIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
am sending this complain on something on my credit report that is in accurate and that I did not authorize. in accordance with the fear credit report acts this creditor have violated my rights, under 15 usc-1681 section 602 I have the right to privacy. 15 usc 1681 section 6042 section 2, it also states that the consumer reports agency can not furniture account without my written instructions. Under 15 USC 1666b a creditor, may not treat a payment on a credit accounts, under and open end a consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
First of all, I wouldnt need to file a complaint on here if you could just answer your phones. I tried calling on two separate occasions each time it tells me that my whole time is more than 20 minutes OK I dont have 2030 minutes to just sit around on hold maybe capital one does but Im busy, and now youre taking up more of my time. This is terrible customer service. 

If you look at this account, I have a balance of {$29.00}. If you go back I have made numerous purchases from a company called XXXX. They were supposed to come out and do work for me but they never showed up. This went on and they just kept billing me over and over and over again I eventually came to the bank and asked for help, whenever you sent the dispute to the company, they immediately refunded every transaction except for this one transaction your guess is as good as mine as to why they left this one transaction out. When I noticed that I called you and I said whats going on and the woman I spoke with apologized and shes like Ill resubmit it and Im sure itll be fine. But guess what the {$29.00} is back and you want me to pay it you have not given me any information as to why this one transaction would not have been disputed or why its showing up on my bank account but the company never came to do any of the work They closed my account whenever I disputed the transaction Why do I still owe {$29.00} why are you not disputing it and if youve exhausted all of your efforts which I havent seen any evidence of, but if you have the baby its time for the bank to cough up {$29.00} and not make the consumer Have to pay for something they didnt get your supposed to be there to protect the consumer. I have good credit I pay my bills I dont have any issues I did my part I reported it I did everything you asked me why are you not doing your part now

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate this account It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I received multiple overdraft fees from Wells Fargo

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 2022-03-22
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Description of Complaint : I opened a new checking account online ( XX/XX/XXXX ) to add to my current accounts. As a customer of 20+ years I believed it was a great opportunity to choose another account for the better options available. However after opening the account Chase decided not only to freeze the new account but all my other accounts due to suspicious activity. The first problem was I never was contacted ( phone, text, or email ) to inform of restricting account or verify if I was the person opening account and had to find out because my card was declined making a purchase. After calling in and confirming my identity I was told I needed to go into a local branch and bring 2 forms of identity and proof of address. Once my account was reopened I was notified that any ACH debits ( PD on XX/XX/XXXX and XX/XX/XXXX ) that were still pending we returned. Meaning bills that were paid and processed by merchants yet hadnt finished processing in Chase had now been returned back to the merchants. When trying to resolve this issue I was told that yes I should have been notified but unfortunately there wasnt anything they could do. I have spent the last 5 days contacting over 10 merchants to let them know what happened, 3 of which I cant get access or set back up auto-payments until my next bank statement or I get a letter from the bank verifying my account. Which includes an investment account in which I could be losing money daily ; as well as accrued late fees and returned check fees all because I opened an account through the option available online. There is no disclaimer stating that this is possible and all I received was empty apologies with no resolutions. I as the consumer have no recourse to the banks mistake and am now responsible to clean up my lively hood because they didnt do their due diligence and just restricted my account. Then they sent a letter dated after I went into the bank and verified/opened my account which arrived on today XX/XX/XXXX stating my account has been blocked. Ridiculous!!! 
Desired Settlement : Repair ; Refund ; Modification/discontinuance of an advertised claim

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I alerted Regions I was going to be traveling and one of the cities I was in Was XXXX ( XXXX ) XXXX and several thousand dollars worth of fraud in the form of overcharging was done on my debit card approximately $ 5,000- {$6000.00} worth of fraud. Regions admitted they did not have my signature on file nor did my debit card require a pin and I told them they were negligent in managing my funds because had a pincode been required, or a signature, some type of fraud alert or call I could have caught these transactions sooner. I was ripped off and overcharged, I have recorded conversations from regions admitting they messed up by not requiring a pin on my debit card because these transactions were processed as debit transactions and not credit had they been processed as credit they still admitted they do not have my signature on file. I told them to get videos, itemized receipt etc to see where the items purchased on my card were sent etc. They processed over {$5000.00} in transactions in one day and I have never spent that time of money in a month! I'm very upset that this did not send off alarm bells to their fraud department and I'm more upset with their lack of serious investigation! Everyone in banking knows former XXXX XXXX are known for bank fraud and the fact I have never spent $ XXXX- {$6000.00} in a month let a loan a day in XXXX should have been flagged immediately especially when no signature or pincode was required!! I want my money back and Regions needs to be fined for having a XXXX fraud department and being negligent in managing peoples funds.

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 2023-11-27
Company: EQUIFAX, INC.
State: PA
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:
This is a complaint to XXXX, Equifax, and XXXX for the completeness and/or accuracy of information contained in the consumer file that you maintain about me, pursuant to the provisions of 15 U.S.C. 1681i.

After reviewing my credit reports I noticed that your company are violating the Fair credit reporting act by improperly using my credit reports for the following accounts ; [ XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ] XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX ] The furnishers of information are also in violation for reporting these accounts pursuant to 15 USC 1681s-2. And the reason goes as follows.

These accounts are charged off/canceled debt in which I have not been provided a 1099c form. Because it is canceled/charged off, this is now considered a certificate of indebtedness per the IRS Publication . The IRS Clearly defines a charge off/cancelled debt as Gross or Ordinary income, and income does not get reported on a consumer report which in fact makes the reporting of this information inaccurate. I provided a screenshot from the IRS website for further evidence. As your company know it is against the law to report any information not proven accurate. I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: AZ
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 was recently notified by Experian credit reporting XXXX that an account was added to my credit profile. I did not open the account. I have not applied for or received a credit card from XXXX XXXX. I have have not approved any opening of a credit card from this company. All other legitimate creditors have a way to contact them via telephone on my credit report, this company does not. It only has a XXXX XXXX XXXX. I am disputing the validity of this credit card account. Experian has replied to my dispute with them, as reinvestigated and verified, but how? They never communicated with me about the account. They are not providing me proof that I opened the account. Am I just supposed to accept that this account is my account when I know nothing about this company? I have never received anything telling me that the account is open and that I have a credit card with a certain credit limit?

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 2019-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
My credit card number was stolen, and more than {$20000.00} of fraudulent charges have been made to the account. My address, email, and phone number have been changed to the wrong one over and over, every time I correct it, it gets changed from my Arizona correct address to a Maryland incorrect address. 

I have spoken with fraud specialists at B of A. At least 10 of them. Fraud charges are filed. I closed my account the beginning of XXXX. Called today, and it was open. ( XXXX, XXXX, DE ) Added verbal password, but it was only asked for maybe 4 out of 10 times. 
Spoke with XXXX, XXXX, XXXX At my local branch : XXXX, XXXX XXXX I reported to XXXX that they have an incorrect address. They checked with Bank of America, who told them that I do have a Maryland address. I do not. 

The thief would contact B of A when I cancelled a card to have the new card expedited to their address. They issued me 4 cards in 10 days. When they were ready to issue the fifth, I decided to close my account and bank with another company.

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 2023-08-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX 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 2023-01-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$32000.00}

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