BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received a phone call last year asking me questions about my business credit card saying they were from the credit union. I had previously noticed announcements about spoofing attempts with RBFCU. I called the customer service number at XXXX. The representative told me not to answer any questions from that number that called ( XXXX ) as it was fraudulent. Fast forward several months and my business card was closed because I didnt respond to their upgrade request. Im now unable to pay it via the app. They also occasionally send paper statements but not with the full account number so Im unable to pay electronically. I asked them to give me the full number but they refused or kept referring me to my personal account. I have to call in every month and wait an average of 25 minutes for a special payment department to locate this closed account or I have to snail mail a payment if I do get the statement in a timely manner via postal mail. I am being severely inconvenienced due to misinformation from the credit union representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX the following inquiries ( 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 XXXXXXXX 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, states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the dates below : 30 days late as of XX/XX/2018 and XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
RE : DELETIONS TO CREDIT REPORT Dear XXXX, XXXX, Experian : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Account # Reason for Deletion : XXXX XXXX XXXX Incorrect Original Amount of Debt Incorrect Payment History-Account was paid on XX/XX/XXXX. Not reflecting on any of my three credit reports. 

Incorrect Date Open on the Account- All Three Credit Reports State that that Account was opened in XX/XX/XXXX which is Incorrect Two Different Original Amount 's Owed On The Account. All Three Credit Reports Is Inconsistent With Original Creditor XXXX XXXX 's Account. All Three Credit Reports Stated The Amount Is {$220.00}. But Original Creditor XXXX XXXX States {$210.00}. 

I AM ENCLOSING PROOF FROM ORIGINAL CREDITOR " XXXX XXXX '' According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below. 

Thank you. 
Sincerely,

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 2023-10-18
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Confusing closing, charged a higher interest rate than originally quoted. Mortgage loan officer did not attend as promised. The closing agent attempted to contact the Wells Fargo loan officer but loan officer didnt answer the calls. 

I also had a problem with Wells Fargo failing to process mortgage payments timely and accurately. Resulting in missed and late payments charges Mishandling my payments. They even returning payments to me and later claiming that payments were not made. Wells Fargo said I defaulted on the loan and proceeded to wrongly foreclosure on my family home. My husband XXXX children and I were homeless.

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 2023-04-20
Company: PNC Bank N.A.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
PNC Bank XXXX XXXX XXXX XXXX, PA XXXX denies receiving my XXXX payment for the car loan I have with them. The payment was due on XX/XX/XXXX and funds in the amount of {$540.00} were sent electronically from my account with Local Government XXXX XXXX XXXX 's online bill pay on XX/XX/XXXX7. This same method of payment has been successful to this same PNC loan 25 months/payments before. Proof of payment has been provided to PNC numerous times yet I'm still receiving collection calls and texts. The Credit Union I bank with has launched an investigation. They informed me other Credit Union members are experiencing the same issue with PNC Bank claiming their payments were not received by PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am contesting a collection account that is recorded on my Experian and XXXX credit reports. I have, in the past, protested this account through Experian and XXXX, with unsatisfactory results. 

The collection account is for XXXX XXXX in the amount of {$700.00}, and has been on my record for more than six years. 

The original debtor, XXXX XXXX XXXX, was at no point in time opened or used by me. Claims otherwise constitute fraud by the creditor or a third party. Therefore, this collection account should be removed from my credit report record.

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 2018-05-11
Company: Windham Professionals, Inc.
State: MI
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 refinanced all my student loans, on all three credit report there is a number of duplicate accounts for the same student loans that are not being recognized as the same or updated as the same, they are more then 7 years old and only one of each shows paid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-03-29
Company: Experian Information Solutions Inc.
State: MI
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:
Based on, 15 U.S. code 1681i - procedure incase of disputed accuracy states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S. Code 1681c2 - Block of information resulting from identity theft states, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 616. Civil liability for willful noncompliance 15 U.S.C. 1681n states, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of It has been 30 days and you are in VIOLATION of these laws because I am a victim of identity theft & I have provided the proper documents to prove such. Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-06-05
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My IRA CD in the amount of {$95000.00} was requested to be transferred to my investment company in XXXX. The account was closed by PNC bank on XX/XX/XXXX and my investment company has still not received the funds. I called PNC bank about this on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I visited a branch in XX/XX/XXXX. I called XX/XX/XXXX. I sent a Indemnification authorization and it was received XX/XX/XXXX. I called XX/XX/XXXX, XX/XX/XXXX. I was to get daily updates which I have not gotten. I called XX/XX/XXXX with no return call. I still have no answer as to when I will receive my money. I have lost 4 months worth of interest and an investment opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: ERC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
ERC contacted my elderly parents at a number and residence that I have not lived at or used in over twenty years. They attempted to pump my parents for information about me but would not state who they were or what they wanted. I only found out that they were a debt collection agency through XXXX. This number and residence have never been associated with the account in question and I never gave permission to be contacted at this number by anyone.

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 2018-07-02
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX this year I made payment arrangements with CMRE Financial Services to pay off medical debt. They told me as long as I made payments they would not report the collection to the credit bureaus. The payment amount we agreed on was {$150.00}. In XX/XX/XXXX I made a payment of {$500.00} to payoff the debt faster. CMRE still reported the debt to the credit bureaus at the end of XX/XX/2018. 

This is a breach of agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2023-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for the capital one venture card XX/XX/2023. In response I got a request for proof of income. I sent in my tax return documents ( as listed in their list of documents that can be provided ). That document was not accepted as it was a joint tax return form. They wanted additional information to show proof that I have access to my household income ( aka my husbands income ). I filed a complaint with CFPB and capital one at that point sent me a letter saying they needed a notarized document from my husband stating I had access to his funds.this makes no sense as we are married, live in the same home and have joint bank accounts. I complied and sent them a notarized document. Even after sending this they didnt accept and said they wanted more information on how much amount I have access to and the frequency. The letter clearly stated I have access to all of his funds including bonuses, investments and rental incomes and assets. I complied once again and sent a notarized letter stating a monthly amount and frequency. They have again not accepted this because now they want proof of my husbands income. This is so stupid and ridiculous. They already have the income tax return they can clearly see his income. I find this whole process harassing and mentally draining. It is an insult that I have to keep sending them stupid information that has no basis. They have no common sense.. my husband doesnt pay me monthly or gives alimony, it is household income and according to the law it is considered mine and I obviously I have access to it. I feel that capital one is being discriminatory against me for being a female and a XXXX XXXX XXXX XXXX and just finding reasons to not process and are delaying my application. They dont even connect me to the person processing the application which is ridiculous. 
If I knew this was the horrible and painful process of applying for the capital one venture card I would never apply for it. It has already created an unnecessary hard inquiry in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
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:
MISSING INFORMATION ON MY XXXX   AND EXPERIAN MY MORTGAGE XXXX XXXX ACCOUNT # XXXX BALANCE XXXX HIGH CREDIT AMOUNT XXXX DATE OPEN XX/XX/2015 TERM 30 YEARS ACCOUNT STATUS PAID AS AGREED XXXX   ATTACHMENTS

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 finally got XXXX XXXX settled and account is paid in full. See letter attached. Please delete. Thanks

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 2023-08-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, I demanded that PORTFOLIO RECOVERY ASSOCIATES LLC comply with 15 U.S. Code 1692g. On XX/XX/2023, XXXX responded, stating, " Due to your request that we cease communications, we will not be providing validation unless otherwise required by law. '' It is my right under 15 U.S. Code 1692g to receive all information within 30 days pertaining to this alleged account. 

On XX/XX/2023, I received a letter that I find to be laughable, claiming the completion of their investigation with a hearsay document that appears to be produced in XXXX XXXX. It is worth noting that PRA sent this hearsay letter was produced 55 days after i demanded full verification on this alleged account, and it took 67 days for the hearsay document to reach me. This information will be provided within the portal. Additionally, I have lodged a complaint with the Tennessee State Collection Board with the warning, and this information will also be shared. 

Portfolio Recovery Associates , LLC has gone even further with their unlawful practices by reporting on my personal credit reports without following 15 U.S. Code 1692g. I demand that PRA provide proof that they have complied with 15 U.S. Code 1681s2 ( 7 ) ( A ). They have failed to prove any claims on this alleged debt, and I have never entered into any agreement with this alleged debt. Nor will I do business with any company without my consent.

Furthermore, I demand that PRA takes all necessary steps to remove all inaccurate and damaging information from my credit reports, close all collection activity related to this alleged account, and close my file within their offices. Any further delay or noncompliance on their part will be considered an intentional disregard of the law and my rights as a consumer.

In the event that PRA fails to comply with these demands within 15 days, I will pursue legal action against them to seek redress for the damages caused to me and to hold them accountable for their repeated and intentional violations of the Fair Debt Collection Practices Act ( FDCPA ) and the law.

I demand that Portfolio Recovery Associates , LLC takes this matter seriously and takes immediate action to rectify the situation. Failure to respond or comply with these demands will be deemed an admission of guilt and will result in more severe consequences. I reserve the right to pursue all available legal remedies to enforce my demands and to seek damages as appropriate under 15 U.S. Code 1692k and through the courts.

To conclude, I want to emphasize that I will not cease my efforts until the truth comes to light regarding the questionable practices of your company. I will not pay a single penny, especially for something that is not owed.

Company response to consumer: Closed with explanation