BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: CA
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:
Unauthorized & unrecognized inquiries on my credit reports XXXX  XXXXXXXX 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 non-monetary relief
Consumer complaint received 2019-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I've been trying to change my address once for about 2 weeks. I contacted capone via chat and both times were useless. I contacting them via XXXX twice. Useless. I got a phone call from someone dating it was them who instead of addressing my issue tried to get personal information from me first. I refused and hang up. I filed a complaint with an executive. I got two emails from the office if the president that have not addressed my issue. I want my account closed. Confirmation sent to my address and removal from their marketing lists for all of capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: ARS National Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Thank you for taking the time to read this, this is more about the culture of the website not so much about the complaint of debt owned. The website is https : //www.arsnational.com/. There are promoting this on their website. " ARS is dedicated to fostering an environment that appreciates humanity. ARS respectfully promotes cultural awareness and treats everyone with kindness. As a method to increase cultural competency, ARS : * provides continuous education on diversity, equity, and inclusion, * promotes various ethnic events, and sponsors the development of Employee Business Resource Groups ( EBRGs ) to cultivate inclusiveness while ensuring that all team members thrive.

ARS is passionately driven to solve complex challenges involving diversity and inclusion. ". Idk if you guys are aware but if diversity, equity, and inclusion are used in the way the current government has been using it. Promotes racism, lack of education leads to better job candidacy then those who qualify for certain positions, which can lead to dangerous situations, and their aim is in education. Which if you are aware has lead to some very bad books being shown to underage children. It might just be me but these keywords are a big red flag.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: PNC Bank N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
In XX/XX/2021, a scammer opened a prepaid debit card at PNC Bank in my name and using my social security number. The scammer also changed the address, email, phone number, password, and security questions on my online PNC account. 

I have a HELOC with PNC which is set to autopay, so I did not notice the fraudulent account for several months. As soon as I realized what was going on, I immediately notified PNC Bank and requested that they remove the prepaid debit card account from my account and investigate the matter. I have made repeated requests to the bank and spent hours on hold and nothing has been done. 

I was able to undo the changes to my PNC online account, but the prepaid debit card is still connected to it. I still don't understand how any of this happened and the bank has taken no action and offered no explanation or apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: AES/PHEAA
State: OH
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 requested a refund for payments made during covid deferment. Fedloan Servicing processed the request and said I would get a payment in 6 weeks. I have yet to get a payment and can't get a hold of them for an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-04-27
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:
To whom it may concern, I'm reaching out to request that you investigate a credit file that continues to linger on my credit report with XXXX and Equifax report. I have filed numerous disputes directly with credit reporting companies to remove XXXX, XXXX from my credit report/file. XXXX continually fails to provide sufficient documentation that I owe them the amount they claim. In addition, XXXX can't furnish proof that this is my account and continuously report on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), the action taken by XXXX XXXX, XXXX, and Equifax violates my consumer rights because the companies fail to provide proof or documentation that this is my account. I have provided sufficient evidence that this is not my account and filed multiple disputes directly with XXXX and Equifax. I am also in the process of filing a complaint with the XXXX  Attorney General 's Office. I have supplied proof of final payment and emails stating that I paid my last month 's rent on XX/XX/2021. I've attached proof of payment. 

Please advise because I am tired of being hassled by XXXX XXXX at XXXX, who has restricted anyone within the company from taking my calls and addressing my concern or filing disputes with the company. I have good credit, and this shouldn't be on my credit. 

Thanks in advance for your consideration and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: MD
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 name is XXXX XXXX XXXX XXXX. Was also XXXX XXXX, never has been XXXX or XXXX XXXX, I have never lived in XXXX XXXX XXXX XXXX XXXX MD XXXX i already report this many times, not sure what else it is under this persons name in my credit and no Idea Why it is in my credit, does she has my social? I beed this out of my credit report, this is like my 5th email and also sent two letters to remove that persons name out of my credit! 
And also XXXX is not my employer, it is XXXX XXXX for the last almost XXXX years

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 2022-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ive never received any type of debt validation notice. This company is also reporting inaccurate information as well as different and information such as balance and dates of accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2020 Balance : {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Upon reviewing my credit report. I discovered Im being reported as 30 days late for XX/XX/2021. My payments are due on the XXXX. So that would mean XX/XX/XXXX is 30 days late. I take my credit very seriously and never missed a 30-day payment and uncharacteristic for me without prior arrangement. I will post receipts for payments made during the time period. Confused by this I contacted the creditor. Instead of correcting the mistake. It was stated I missed XXXX XXXX payment and that they're reporting correctly. According to my credit reports, I was current for the month of XXXX and XXXX I was also under the impression during XXXX since I'd been granted a deferment which i had for the prior months.. No notices were sent out to me saying otherwise as I was on FMLA and sent them proof as well. I'm a frontline worker and been put on leave for health and also bereavement due to covid and also emotional trauma of losing 8 family members from XXXX-XXXX. Both parents and my child had XXXX at the same time in XXXX. My father 's condition was touch and go for a while. This creditor is being unreasonable. Even after the payment arrangements were set up for future payments. As suggested. I was still marked # 0 days late. I disputed it with the bureaus and emailed the CEO. My report is also reporting different balances from my online account balance. My balance should state! XXXX and the wrong month for 30 days late. As a good customer and being affected by XXXX. This is hindering my homebuying process. I've hit a brick wall with them. Attached are some of the obituaries for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: TX
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:
A request was submitted numerous times, most recently in XX/XX/2023 to have this inaccurate reporting removed from my credit report. They responded claiming this account was accurate, but I am not liable for this debt with XXXX XXXX XXXX XXXX for {$15000.00}. I do not have a contract with XXXX XXXX XXXX XXXX. They did not provide me with the original contract as requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/19, we paid off the balances on our credit cards. Our XXXX Chase card had a {$2000.00} balance that we paid in full. On XX/XX/19, we logged into our account to update our travel preferences since we would be traveling and did not want to be alerted for fraud. Upon logging into our dashboard, we saw that Chase had increased our credit limit to {$4000.00}. My husband and I will both attest to this, under oath, that we both saw the credit increase reflected on this account. 

On XX/XX/19, we logged back into the account to pay off the card again for the spending that we did while traveling. Upon logging in, we noticed that Chase decreased our limit back to the original amount of {$2000.00}. 

We called Chase on XX/XX/19, and was told we would need to speak to the fraud department, who transferred us again to the limit department, and was disconnected since their office was closed. We called Chase again on XX/XX/19, and was told that our credit limit was never increased. 

We have experienced multiple egregious errors with Chase before, from not canceling a stolen credit card despite it being reported stolen, and the card subsequently having charges on the account. We have also logged into our account to find that we are not able to gain access to any of our accounts due to the " information not being available ''. We have 2 car loans, 1 credit card and a checking/saving account with Chase. 

We want a full investigation into why our credit limit was increased and decreased within a span of 2 days. We do not believe Chase when they said that it was never increased. My husband and I are both willing to provide declarations of our testimony as to what we witnessed when we logged into our account and saw the credit limit increase on XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: IL
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:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2022-04-27
Company: EQUIFAX, INC.
State: TN
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 these accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: KEYCORP
State: WA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I was approved for Covid19 Benefit, but I never received it nor the Debit Bank Card.

I have spoken with the ESD Department and they informed me that all the Covid19 benefit was sent to the Key Bank ( for over XXXXXXXX XXXX ). Them, I was really calling both Departments about my benefit. But. The Bank and the ESD was only pushed me around from Department to Department. From ESD to The XXXX Bank and each time I called I was given different misleading information regarding my benefit. After a year with both Departments I went to court in Washington State Office of Administrative Hearing and the Court granted all in my favor on XX/XX/XXXX XXXX  XXXX., Docket XXXX XXXX XXXX XXXX Agency No XXXX XXXXThen ESD informed me that all the benefit was sent to key Bank. Calling key Back again they said that the account is closed and to call ESD Department, Finally the key Bank asked me to fax them all the court Documents which I did ( to Fax XXXX XXXX XXXX XXXX ) and I got confirmation number ( XXXX XXXX XXXX ) from the bank that all is updated and a new card with be send in XXXX days. I have never received the Debit Bank Card yet. Calling the key back again they informed me that the account id closed and they do not have any information regarding this case I have been mislead by the Key Bank and lied too on every time I call them, Then The XXXX  Bank told me today to call the ESD department again. I have been pushed around to much already and the key bank is not acknowledging that fact the=at I a sent them the Court Documents.

Therefore I an appealing to your Department with the Key Bank Befit Card account and my due benefit to be paid to me in full as soon as possible. 
Thank you XXXX XXXX New Phone : XXXX XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: PENTAGON 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 would like to file a complaint against Pen Fed Credit Union routing number XXXX. 

Pen Fed erroneously reported three thirty-day late credit card payments on my credit report for XXXX, XXXX and XX/XX/2017. I have made over 30 phones calls, multiple online disputes and in person meetings to resolve this situation. 

Because the payments were automatically sent via XXXX auto pay XXXX submitted proof of electronic payment directly to Pen Fed. XXXX even had a least two conference calls with Pen Fed to resolve this matter. 

The systems at XXXX are very automated and they were able to provide proof of payment and transaction IDs. XXXX also confirmed the payments were received by Pen Fed and not rejected. 

Pen Feds research appeared to be very manual. The response from Pen Fed has always been we dont see the payments or we must have sent the payments back. On several occasions I requested electronic documentation from Pen Fed showing that the transaction IDs were rejected, but Pen Fed could never produce documentation. 

It took so long for the issue to come to light because Pen Fed kept accepting the electronic payments. The electronic payments were removed from my account every month. Once Pen Fed received the payments it is their responsibility for misappropriating the payments. 

These were not payments that were mailed and lost in the mail. They were electronic payments that could be tracked by the sending institution XXXX XXXX XXXX. 

I included proof of electronic payment for every payment Pen Fed said they didnt receive. I continued to pay my monthly payments while this situation was being researched by XXXX and Pen Fed. Instead of being a good business partner, Pen Fed kept adding late fees on top of late fees during the investigation. 
Pen Fed never located my payments. I eventually had to file a fraud report with XXXX due to the misappropriation of my payments. 

Even though I repaid the payments ( I had already made ) and the payments were up to date Pen Fed cancelled my credit card while I was still reaching out trying to get my information updated. 

Not only do they have erroneous late payments on my credit report they also have Cancelled by grantor listed for the credit card. This only compounds the negative impact on my credit.

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