BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: Experian Information Solutions 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:
Upon reviewing my updates, the incorrect information were 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 the 3 Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4000.00} XXXX XXXXI ( Original creditor : XXXX XXXX  XXXX ) XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4000.00}

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 2023-05-09
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these items immediately : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES 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 information incorrect

Complaint:
I have mailed Portfolio Recovery Associates , LLC with 2 separate letters, and also dispute information with all three CRA. With the online dispute it is coming back as verified, with them sending only statement from the company that they purchase a charge off debt, which is not validating the debt. I also sent them letters, requesting Portfolio to remove all 7 of the accounts that they have purchased as a debt buyer and to remove all 7 accounts off all 3 of my credit reports. I have never received any correspondence back from my original request & I still have not heard or receive my green card receipt from that company. I am requesting for Portfolio Recoveries to remove this off all 3 of my credit report due to.

CFBP subpart b-rules for FDCPA Debt Collectors 1006.18 False, deceptive, or misleading representations or means.

( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.

( b ) False, deceptive, or misleading representations.

( 1 ) A debt collector must not falsely represent or imply that : ( iii ) Any individual is an attorney or that any communication is from an attorney.

They have on my credit report that they are an attorney/ collection agency and have tried to take me to court in 2018. They have not been able to validate any debt, and a statement does not show proof that they are validating the debt. A letter saying that you purchase the debt from the creditors does not give them rights. They are also validating 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies CFBB 1006.18 False, deceptive, or misleading representations or means.

61. Gross income defined ( a ) General definition Except as otherwise provided in this subtitle, gross income means all income from whatever source derived, including ( but not limited to ) the following items : ( 11 ) Income from discharge of indebtedness ; CFBP 1006.2 Definitions ; ( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another.

Everything they are doing or have tried to do is illegal and none of the credit report agency or debt collectors respecting or following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank blocked my checking account on XX/XX/XXXX without any notice before, and I suddenly lost my account and my money locked in the account. Citibank reply to me to wait 30-60 days to process and close it. On XX/XX/XXXX, I checked my account is closed but I didn't receive my refund check after 3 weeks. And during this period I called Citibank again and again, every time bank told me it is in process. I don't understand why still hold my money so long since the account was closed and I had waited long time. I told them I have to move out next month and hope them push the process quicker, but still no any response! They don't care about their customers situation which I am in urgent to my money. They don't respect customer because they block and close with no any previous call or notification to verify. I am very angry with their service and disappointing their attitudes. Keep delay and keep transfer my call.

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 2021-12-01
Company: EQUIFAX, INC.
State: NC
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 sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: BAM Management US Holdings Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Good Day, My name is XXXX XXXX XXXX. I am writing this letter in hopes of receiving some assistance with collecting funds i have deposited over the internet to a company known as Binance us. which advertised its self as an exchange place to buy and sell crypto currencies. I had been using the site with no problem at all until XX/XX/2021. I received an email from Binance.us that a deposit of crypto I purchased for the sum of {$1000.00} usd was reported to my bank to not be available so I needed to make a deposit or sale some assets to bring my account current and until I did my account may be blocked until the proper funds are disbursed. At the time I didn't understand the message so i thought there was an error because the funds were available so I counited to trade all functions of my account were active and i was able to trade. I made a sale of some of some coins i had valued at the time of transaction completion to the sum of XXXX usd which was deposited to my Binance wallet. Immediately my cash sale went to XXXX due to the company taking its Money that was owed and sending me the remaining in my wallet, no problem their now this is were the problem occurred. on XX/XX/2021 I made a purchase for XXXX usd XX/XX/2021 another deposit for XXXX usd again on the same day made another deposit of XXXX usd which Binance allowed me to make a purchase with. During this time i made an increase in my positions so i wanted to liquidate some of my assets so i made an order to sale which went fine but when trying to withdrawal I get a message I've been suspended on trading due to risk management so i follow the instruction on the website and send in a ticket for review of my account no response i send numerous tickets to alliviate the situation but every time i try to contact someone they send messages from a bot with no actual person to talk to or department to communicate with. my wallet is now holding a total of {$5100.00} i recently closed on my first home and the money i have locked and not able to touch is really putting me in a bad position. i have more than 15 failed attempts to rectify this situation even screen shooting all my transactions and laying out the time line for Binance but to no avail no response just generic automated responses it been really hard to get buy without my funds this was a quick investment and now its turned into a night mare i pray you can help me resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Consumer Portfolio Services, Inc.
State: LA
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 have contacted them every month since XXXX and i have made a payment every month since XXXX on time and i still ole for XXXX. THEY WILL NOT UPDATE it showing late every month which a late charge is being taken from payment every month. THIS COMPANY REFUSES TO FIX THIS PROBLEM. I WAS PAYING THEM THROUGH PAYROLL DEDUTIONS.I STOP IT THIS MONTH BECAUSE MY BALANCE WAS NOT GOING DOWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company called to collect a debt. I tried to explain to the representative that the country is currently in crisis. I dont have money for non-essential items, therefore I did not have extra money to pay a past debt. The representative then asked if I had a credit card or tax money to pay the debt with and I think that was completely in appropriate. After the call the debt was then reported on my credit report as a negative collection item which is unfair at this time. This pandemic is barely giving me money to keep up with my current bills let alone paying on a past due account. Bill collectors are not essential businesses so why are they even open and trying to take money form people at this time. I have received numerous calls everyday for about two weeks now. It is harassment at this point. I want the calls to stop and for these people to be a little more understanding at this time. And also for this item to be removed from my credit 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 2023-08-14
Company: Prosper Marketplace, 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:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

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 2023-03-02
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I tried to use PNC Bill Pay to pay out a required distribution from an estate account. After 2weeks where PNC Guaranteed delivery had not occurred of the payment, I demanded the Bank issue a stop payment on the check they had written and informed them that I would issue a handwritten check to pay out the required distribution, PNC failed to stop payment on the check they had written and instead issued a stop payment on the new check. PNC has refused to refund the fees associated with the payment claiming they have not made an error ( in either not delivering the check they as guaranteed or not stopping payment on the correct check ). I have wasted numerous hours fighting with them and at this point want the fees and my hourly wage reimbursed for their incompetence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently paid this account on time, and the presence of an inaccurate late payment is causing me significant anxiety. I am unable to sleep properly due to this issue. Please promptly update my account and remove any incorrect information to alleviate this stress. I am begging you to take action as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
From my calculations this company is charging me over 30 % interest. Roughly close to 45 % interest which is way higher than nys allows. I was under impression from dealer that it was going to be 16.9 % interest. Plus they made me put a down payment of {$1200.00} and made my payments {$510.00} a month on a 2016 XXXX Car with taxes was sitting at just under {$22000.00}. With interest rates loan went up to just under {$33000.00}

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 explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to address a matter of concern regarding certain accounts appearing on my credit report. 

ACCOUNTS : XXXX  XXXX # XXXX XXXX XXXX  XXXX # XXXX Despite my persistent efforts to dispute the accuracy of these accounts and ensure their verification, I have encountered significant challenges due to a lack of adequate information. Consequently, I am unable to confirm the validity of these accounts. 

Given the limited information available and the absence of proper verification, I strongly believe that these accounts may be the result of identity theft or a mix-up of files. In light of this situation, I kindly request the immediate closure and removal of these accounts from my credit reporting.

While I want to Reserve my intention to take appropriate action in response to the ongoing violations associated with these accounts, I emphasize that my primary objective is the prompt closure and removal of these erroneous entries. By promptly addressing this matter, we can work together to resolve the issue and alleviate any concerns. 

I trust that you share my commitment to maintaining accuracy and fairness in credit reporting. Resolving this matter swiftly and ensuring the accuracy of my credit report are in everyone 's best interest. 

I kindly request your urgent attention to this matter, and I expect a timely response acknowledging the closure and removal of the mentioned accounts from my credit reporting. Once this action has been completed, I would appreciate receiving written confirmation. 

Thank you for your prompt attention and cooperation in resolving this matter satisfactorily. I remain hopeful that we can reach a fair and civil resolution.

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 2022-08-13
Company: Experian Information Solutions Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2022-10-12
Company: Netspend Corporation
State: WV
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
My account is almost negative XXXX dollars because of repeating pos signature decline fees. My card isn't linked to any subscriptions or reoccurring payments but Ive continued getting signature decline fees, multiple times a day during the XXXX weeks between my payroll deposits. So before every payday my account is already in the negative and it's taking chunks out of my paycheck for something that I didn't do. I've called and complained multiple times but nothing has been done. The people from customer support are very rude and won't answer any of my questions or even try to help. I could understand if I was actually using my card to make purchases or attempt purchases while it was in the negative, but Im not. Ive asked them to unlink it from any reoccurring payments and subscriptions and they said they did but they obviously didn't because of the constant fees I'm being charged. I don't make alot of money and I'm trying to get money saved up for a place for me and my girlfriend. We have a XXXX XXXX year old with another baby on the way. Money is already tight and these constant fees are really making it so much harder. Can you please help me get my money back, please.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX  XXXX and XXXX XXXX XXXXXXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.

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