BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, to whom it may concern. Portfolio Recovery has caused my credit files and scores to be drastically damaged, reduced, and affected by placing a debt that I do not owe and that is not mine. 

Account # XXXX The Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Company : Portfolio Recovery Associates , LLC XXXX. XXXX po box XXXX XXXX, CA XXXX Account # Same as above. 
Reference Number : XXXX XXXX My Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI. XXXX I have never until XXXX of XXXX had a XXXX XXXX Credit Card Account. I was sent an offer and I applied and received a card. However, I this company keeps trying to place this debt on me, as I have explained to them and XXXX XXXX, that this account isn't mine and I have never owned a XXXX XXXX XXXX untill recently XX/XX/XXXX, because I was sent a pre approval offer from XXXX XXXX to which I was approved. 

Back in XXXX I lost my wallet and it was never returned to me. I have explained to Portfolio Recovery that I may have been a victim of identity theft, and that may be why there's an account with XXXX XXXX. Whoever did this, had all of my personal information from my wallet, from my ID, my Social Security Card, My Birthdate, My Address, and other info like Medical cards and Bank Cards. At the time this happened, I was forced to get all new info cards, and change passwords etc. This company was told this information, although whomever opened this account, they had all of my info, I never had an account with XXXX XXXX. They insist that it's mine with no proof that it's mine other than all of my personal info. I have never signed a single document applying for this card, yet this company has repeatedly reported as a collection to all of the major credit bureaus, destroying my credit and making my scores drop unbelievably low, all while I have been trying to buy a new home. I This has affected me directly because this isn't my account, yet they keep reporting that it is even after disputing this a few times with no removal from Portfolio Recovery. I was told by them, that XXXX XXXX Discharged this debt and Portfolio Recovery bought it on XX/XX/XXXX. First XXXX XXXX kept reporting this account that wasn't mine, then Portfolio Recovery started. This isn't right. It's not my account at all. Why do they keep reporting something that's not mine? 

I need to know WHAT MY RIGHTS ARE under the law, and if they have violated my Civil Rights by maliciously continuing to report this account on my credit to the agencies. I live on a fixed income because I am on XXXX. XXXX due to XXXX XXXX. I'm tired of being a victim of people like this, who only care about making a dollar, or profit, even tho'they know this isn't my account. Please help me bring an end to this nightmare as I am trying to buy a home, through a program that helps buyers with XXXX. Thank You. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The company that I've been dealing with is Fifth Third Bank there was a bill taken out for them out of {$180.00} that was put in for a dispute the bank denied dispute and I had to redo this dispute after 34 days several overdraft fees and 700 hours out of my own pocket the issue was fixed now when I'm facing with this company is my account is way overdrawn I'm trying to catch up from their error when this happened and now they're refusing to take a payment plan for me to pay back the money to my checking account and will not dispute an item in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
So basically, I bought a car around XXXX and i couldnt afford it anymore becasue i had financial trouble so i talked to XXXX XXXX XXXX XXXXXXXX about my options and they said i could sell it to get the most out of it and i would be left with a loan amount to pay off. SO i had 2 offers for around {$16000.00} and they said to me that those offeres where too low and they could get more for the car and wouldnt allow me to sell but to give it to them voluntarily to sell it, When i did XXXXXXXX XXXX  marked my credit as a repossesion and i waited a month and called and they had no information and every couple of weeks i would call but they had no answers and i asked about the credit information and they couldnt asmwer that either, so after months and months maybe 3 or 4 i called and they told me they sold the car and i was left with about {$7500.00} to pay off in a loan, i didnt have any money to pay so i havent paid it and i asked more any other options and they said no. I asked about my credit why does it say i have no late payments and a repo on it, and they cant answer my questions and I feel like they took way to long and the processes want handled correctly and the information i have on the account isnt right, please anyhting you can do to help me i would appreciate it so much, i am XXXX and married and im trying my best to start our life and this is really preventing me from getting a house if i am being honest and i really just need some help. my number is XXXX. Thank you for anything you can do for me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Reported incorrect addresses listed and these addresses were not removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX I don't and have never lived at the above addresses.

The following jobs were listed, but I do not know or have ever been associated with either job! 

XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the above listings as any previous employer of mine!

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 2023-12-15
Company: Atlanticus Services Corporation
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2023 Aspire Credit Card PRE-ARBITRATION SETTLEMENT DEMAND To whom It may concern : PLEASE ACCEPT THIS LETTER AS NOTICE THAT YOU ARE IN VIOLATION OF THE ARBITRATION AGREEMENT SECTION OF THE CONTRACT BY SELLING THE ACCOUNT TO THE THIRD-PARTY DEBT COLLECTOR, IN PERTINENT PART ANY BECAUSE OF THE BINDING AGREEMENT. NO ARBITRATION PROCEEDINGS HAVE COMMENCED THEREBY RESULTING IN A MATERIAL BREACH OF THE TERMS OF THE ARBITRATION AGREEMENT. 



I WISH TO SETTLE MATTER QUICKLY ON THE TERMS THAT YOU GET THE DEBT COLLECTOR TO DELETE THE INFORMATION FROM MY CREDIT REPORTS BECAUSE OF THE ILLEGAL ACTS. 

Also I wish to be compensated in the amount of {$2500.00} for Damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
By mistake, I made a payment of {$2000.00} instead of {$200.00}. I immediately called the bank to stop the transaction, but they said they couldn't. I also contacted the payment company, and they couldn't help either. I called Bank of America again because my account was at risk of overdrawing. They assured me it was impossible for the transaction to go through since I didn't have overdraft authorization. Two agents confirmed this. To my surprise, the bank overdrew my checking account, where they are not authorized to do so, instead of rejecting the transaction. 

This happened on XX/XX/XXXX. I made calls on the same day and confirmed on the XXXX that my account wouldn't be overdrawn, as the bank lacks authorization for overdrafts. Yet, on XX/XX/XXXX, I woke up to an overdrawn account. 

All of this is happening because I have another account with sufficient funds. They are acting unfairly with my money, and they shouldn't play with the savings of their customers. 

I need my money for do others important things

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 2023-04-12
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am seeking further information or escalation about why my 501c3 ECF is stuck on " Processing '' after my public school ECF was moved to " Processed '' much quicker and reflected in the Payment History. 

The employer that has not been Processed as of XX/XX/23 is a registered 501c3, appeared on the FSA Employer Search Tool, but lacked an accurate address. Here is their address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX - XXXX Processing this ECF/employer is crucial for my Payment History/Count to be accurately reflected ; I believe I will be at or right near 120 payments after this update, and am trying to have PSLF processed before I start a new job in XXXX. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
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: Information belongs to someone else

Complaint:
While checking my credit report, I notice an account from XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXXXXXX XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-04-21
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I noticed on my credit report that I a late payment for Lexus Financial. It was from 2021. I called them to discuss and we both came to the conclusion that it was when I signed up for Automatic payments from my checking account. I must have not submitted something properly and it didn't take the money from account. It was rectified the next month when I realized that my payment had not come out. 

That is the only late payment on my credit report and the only late payment I have ever had with them. It was a simple mistake and I asked if they could please get that taken off of my credit report and they stated they could not the error would have had to be on their end. 

They suggested to me that I come to this website and try and have you get it rectified. I hope you can assist me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Received a gift card for XXXX have not been able to add to my XXXX wallet, tried purchasing a program and it was declined on. XX/XX/17

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-30
Company: EQUIFAX, INC.
State: MN
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:
I recently received a copy of my ( Equifax ) credit report and I notice there is an unauthorized/fraud credit inquiry made by ( the companies listed in this complaint ). I did not authorize these credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report.

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report.

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship.

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this. 

My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX/XXXX XXXX Inquiry from XXXXr XXXX, XXXX XXXX  - Card Service Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax Mortgage Services Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: EQUIFAX, INC.
State: AL
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX {$500.00} XXXX  XXXX {$1000.00} XXXX XXXX {$300.00} XXXX XXXX {$610.00} XXXX XXXX XXXX  XXXX {$610.00} USDOE/XXXX  XXXX {$52000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reported to you how Mr. Cooper was refusing to let me make payments following forbearance with my FHA loan. Thanks to you they accepted payments again. HOWEVER they reported late payments on my credit report and knocked my score way down- it was stated that choose forbearance through the pandemic it WOULD NOT BE REPORTED as late. That is exactly what they did however and now my credit, that I've worked hard to maintain, has been ruined. How is this company allowed to stay in business? I hear bad experiences from so many of their clients and they are clearly predatory!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: IN
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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
These companies have violated my rights by putting information on my consumer report without my consent

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