BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-31
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Used mobile deposit on Saturday XX/XX/XXXX. I was notified Monday that my deposit would be delayed. They said it would be available after 5 business days from the deposit date. They said the deposit date was Monday the XXXX. They said the check flagged in their system. The amount the check was for was 50 % of what was owed so I collected the remaining balance and cash it at the bank where the check was from with no problem. This wait is causing severe problems for my family. 5 business days would be next Monday making it a total of 9 days after my mobile deposit. Navy federal has been borderline rude in helping me resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I need the account corrected 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 2023-08-05
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Obtained a title loan # XXXX from XXXX XX/XX/XXXX in the amount {$11000.00} with interest XXXX XXXX to be used to make a down payment for business rent. 
I used my VA XXXX to qualify for the loan and make payments. As of XX/XX/XXXX, my current interest rate is XXXX  XXXX. I have been harassed with many phone calls and text messages for many months in an attempt to collect late fees in the amount of {$110.00}. 
I have made many phone calls to this company to ask them to stop charging illegal late fees. I have not once been over XXXX days late with loan. 
This company is in violation of the 2007 Military Lending Act by charging me over XXXX XXXX in interest fees and illegally charging late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Incomm Holdings Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had purchased a Vanilla Visa {$500.00} gift card from XXXX on XX/XX/23. When I got home, I noticed the card was tampered with. I called Incomm to set up a dispute. They asked for pictures of the front and back of card as well as receipt. I sent that to them on XX/XX/23. They said it would take 30 days to resolve. It's been 60 days and I have not heard from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Upon trying to create a joint account, Capital One sent an automated message to do submit verification information. There link did not work and kept sending a link to my phone that when then verified, would just send another link to my phone in a continuous loop. When I called the bank to have this taken care of they told me that I could only verify account by clicking the link, which we tried again and it again did the same thing. The rep. then lied to me and told me there was no other way to verify, even though there system was broken and it was up to me to fix it. The accounts associated with the bank are now frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: MA
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:
I am writing to formally dispute inaccurate information on my Experian credit report. On XX/XX/XXXX, I contacted Experian regarding the following discrepancies, and as of today 's date, I have not received any response from them. I am providing the details of the inaccurate information and requesting the necessary corrections : The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Incorrect Balance : {$5400.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Incorrect Balance : {$5100.00} Please correct/update this inaccurate information on my credit report. 

The following account does not belong to me : Creditor : XXXX Date Opened : XX/XX/XXXX Incorrect Balance : {$520.00} Please remove it from my credit report. 

The following account does not belong to me : Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Incorrect Balance : {$3700.00} Please remove it from my credit report. 

The following account does not belong to me : Creditor : XXXX Date Opened : XX/XX/XXXX Incorrect Balance : {$5500.00} Please remove it 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 2023-08-05
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have an American Express credit card account that has been active for 7 years. During these I have never encountered a problem until now. In XXXX I received an email threatening to lower my limit unless I paid them over {$3000.00}. I thought the demand was outrageous. For starters I am going standing with my account, no missed nir late payments. So, I called to see what going on and the rep tells me that American Express done a review and that it may have been something on my credit report. I knew it wasnt anything going on with any of my creditors. I explained that to the rep and voiced my disappointment with their practices. 
After I decided to check my report and found that my debt ratio had increased because a creditor placed a duplicate account on the reports. However, ALL of my creditors are in great standing, nothing reporting negative ever. I called Amex back and explained the situation while voicing my concern of target good card holders regarding nothing that affected the accounts I hold with them. I got nowhere. Meanwhile, my account has been flagged to receive multiple texts ( I never signed up to ) and emails reminding me to pay them. Harrassment for no reason. 

I checked my credit report today XX/XX/2023 and American Express reducing my account has cause XXXX XXXX  point drops to my credit reports. American Express has damaged my credit for no reason. I could see if I did not pay or missed payment even payments, but I have not. They based their decision because of my credit report and because I was not paying them off? Who doees American Express think they are. This company has totally gotten this practice all wrong.This is agreed terms of a credit card this is not a charge plate. I pay at least what is required. 
American Express is horrible and harrassing good customers for money. I am not sure if the company is doing bad, but this kind of treatment is inexcusible. I am not one of those customers that does not pay to agreed terms of the account. American is has damaged my credit for nothing. I refuse to be muscled, harrassed or pressured into paying off the balance when they tell me to. When I decide I want to pay in full I will, but until then they will receive payment as agreed. They claimed to be prestigious, but they are trash. An excellent company would never, never do something that would damage their customers creditor without it being warranted. I have warned every family member and friend to beware of their unfair practices to loyal, paying customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: EQUIFAX, INC.
State: IL
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:
Equifax is reporting a XXXX account on my credit report that does not belong to me and is result of identity theft. I have attempted to dispute this account with Equifax multiple times to no avail. I went to the police station and filed a police report and completed an identity theft report which is attached to this dispute. Please make the corrections immediately as it is affecting my ability to obtain a mortgage. If this account is not removed immediately I will be left with no choice but to file a civil lawsuit pursuant to FCRA 616 and 617 for willful noncompliance and negligence. I will also name anyone who touched this dispute, accepted this letter and made the decision to decline blocking the information as a defendant for violating my consumer rights. I will sue for punitive damages as well as legal and attorney fees as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20
Company: ENCORE CAPITAL GROUP INC.
State: UT
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 and XXXX  XXXX   # XXXX are double reporting on my account. XXXX   XXXX  was sold to XXXX  funding but they are both on my credit and reporting a balance. This is in violation and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I initially wrote to National Credit Adjusters a third-party collecting agency in XXXX of 2020 requesting a letter of validation for two account they have acquired and are trying to collect. One in the amount of {$560.00} the other {$720.00}, they responded in XX/XX/2020 stating, " They needed more time to investigate. '' since then I have not heard from this company after reaching out several more times asking them to stop all reporting and collection efforts without properly verifying the alleged debts, However, they continue to violate my rights as a consumer by continuing to report this unverifiable debt to the reporting agencies. This company has exhausted the time allowed for an investigation period. They are making it difficult for me to establish credit with other companies. This has been going on for three years without validating these alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
this person called XXXX XXXX email me on XX/XX/XXXX, when I email him back I ask to take this debt out from my account because I never have an account with this company and I want to dispute it, so he told me that he can not do that from there wich is a lie because I know the fdcpa rules and I work in a collections area, and he was yelling at me 'how you never had an account with this company if I have your signature and everything and he told me that I need to pay it I ask him for the XXXX XXXX phone # and he told me that I don't need to speak with them because this account is in collections already so I ask for his manager name is XXXX XXXX and he spoke with me with the same attitude and telling me that he doesn't need to help me anymore and this person XXXX was the boss and I don't need to complain with him nothing and he hung up on me ... how a person is going to pay this people even if I had open this account with this poor customer service from a manager and his agents. this people need to be terminated how poor customer service they have if they want someone to pay with that attitude no one is going to pay that way

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 2021-07-21
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions 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:
I have reached out on numerous occasions to fix these issues. I have alerted the bureau that fraudulent accounts exist on my report and have went as far as filing an FTC complaint and yet still they have left accounts on.

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 2023-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XX/XX/ somebody opened a Bank of America Credit Card in my name.

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 2023-06-03
Company: EQUIFAX, INC.
State: VA
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 was a victim of identity theft and have provided these documents multiple times. There is ONE account that shows up in collections that should not be there ( for {$140.00} ). As a result, I was recently denied a mortgage with XXXX when I have 100 % payment history and have no delinquent/derogatory debt as advised in the letter. All of my accounts are paid as agreed. I dont know what the bank is looking at to make this decision since I dont see it and would not think a home loan would face denial for {$140.00}. 

This adverse action is affecting my quality of life!!! 

Additionally, Medical collections/debts should not be showing up on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX PORTFOLIO XXXX PORTFOLIO XXXX PORTFOLIO RC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO XXXX PORTFOLIO XXXX PORTFOLIO RC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: Debt Solutions LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting phone calls regarding a XXXX XXXX and his debts. I am not XXXX XXXX and to my knowledge he died in 2016. I do not know XXXX XXXX or his family, yet his creditors continue to harass me. The most recent was from Debt Solutions in XXXX XXXX, AZ.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: NY
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:
My credit report is still showing late payments on XXXX - XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a customer service representative.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: CA
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt

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 2023-08-06
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
My identity was stolen and was used to open multiple fraudulent accounts without my knowledge or consent. These accounts are now in collections and reflecting negatively on my credit report. I have Diputes these accounts multiple times and submitted police reports about my identity being stolen and these accounts have not been removed yet. Some agencies have even written negative remarks after Ive filed a dispute. This is impacting my life negatively with jobs, housing and applying for credit lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian has placed a fraud identity alert on my credit file for 7 yrs which is hurting my ability take a loan, credit facility.

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