BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent three requests to Porfolio Recovery asking them to provide me with the documentation required by law for this company to leave this information on my credit profiles. Porfolio Recovery has refused to respond. I am also sending a formal complaint to the Virginia state attorney general and to the FTC. I was told to try this before being forced to file suit seeking the maximum monetary award allowed under the law as this derogatory entry is stopping me from purchasing a home. I also plan to sue for fraud as this company has opened an account under my name without my permission.

****************************************************************************************** I am demanding the following as required by law : * Documents bearing my signature ( Fair Credi

t 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. ) * Documentation used to verify this debt * Any documentation that shows Verifiable Proof that this judgement is mine. *Documents that show this alleged debt is not past its SOL *Proof that you are legally allowed to collect on this debt.
****************************************************************************************** If Portfolio Recovery can not provide me with the proof required I would like a letter stating that these items are being deleted from all of my credit of reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Company stated that they need to see the payment on transaction history however I provided pay stub checking number as well as information needed to verify that the fund should be in the account according to the accountant which is the sender that initiated the payment which is my employer. Manager refused to open up an insurance claim stated that he was the only manager in the office that was in control of the office then proceeded to send me to another manager that stated the same as far as their self being the authorized party to handle this concern. Company did not provide any verification to their claim however I had all the verification for my claim, including documents and pictures, And conversations and company as well as accountant personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I purchased carpet in ~ {$6500.00} from Lowe 's at 0 % promotion for two years using Lowe 's credit card which is managed by Synchrony bank, the term of 2 years was ending on XX/XX/2021. I made regular monthly payments in last two years and brought the balance down to {$1100.00} in XXXX, XXXX. Somehow I thought my promotion was ending in XXXX, XXXX, but when I checked my online account on XX/XX/2021, I found out that I was charged {$2700.00} interest. I called the customer service and talked to an agent, she told me that if I make a payment of remaining Balance of {$1100.00}, the whole interest of {$2700.00} will be waived. I made the payment of {$1100.00} over the phone which was posted to my account on XX/XX/2021. But interest charged was still there, I called back and I was told again by an agent that interest removal request is still in the process and will take couple of days. I called again after the couple days, I was told again wait for few more days. I have called at least 7 times since XX/XX/XXXX and as of today this interest of {$2700.00} is still showing as an outstanding balance and agony is that they have charged {$63.00} on top of that by end of billing cycle. I called again yesterday and spoke with 3 agents, and supervisor and they still gave me the same message that this interest of {$2700.00} will be removed but they don't give me a definite date or timeline. This has created an unnecessary tension for me that charging {$2700.00} on {$1100.00} for a day is exorbitant amount of interest doesn't make sense and then it has been more than a month they have been telling me that it'll be removed but still haven't removed it and on top of that charging interest over interest. This is a blind exploitation and extortion against innocent consumers. Please help alleviate this tension for me, 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 monetary relief
Consumer complaint received 2022-05-01
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 XXXX account # XXXX & account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXccount # XXXX & XXXX XXXX XXXX account # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
This is a continuation of my complaint ( XXXX ) submitted to Consumer Finance Protection Bureau . The CFPB closed my complaint with the resolution provided by Paypal being that they would grant me a credit of {$1.00} to be able to sell my crypto remaining assets so that my balance would be empty and then I would be able to close my account. I have requested the XXXX XXXX  credit ( see attached ) and Paypal failed to provide me a XXXX XXXX  credit. My balance in Paypal crypto is still under a XXXX XXXX I forfeit any balance in my account so that it can be closed. Paypal is refusing to close this account and keep this balance for no reason. I do not care about the remaining balance. I forfeit the balance. I want this account closed immediately. Please see attachments, showing I requested the XXXX XXXX credit and showing my balance is still under {$1.00} in Paypal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 applied for a Credit Limit Increase 9 times, since I have been a customer of Capital One. Every time I have been denied. I requested an increase and been denied, when my credit score has improved tremendously compared to my scores when I was originally approved. I have compared my situation with other personal friends, and feel that I am a victim of Credit Discrimination. I have called Customer Service and asked to speak to the Credit Department, and was told that was not possible. I spoke to a Senior Representative instead. Although the Representative did understand my frustration, I was still told that there was no way to talk to the department who handles this issue. I believe that my payment history warrants an overdue credit limit Increase, as well as my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
To whom it may concern, My name is XXXX XXXX, I am the co-signer of my son, XXXX XXXX 's student loan consolidation. Account number : XXXX. He had four loans from XXXX XXXX in which he wanted consolidated. He applied to Citizens Bank. Loan amounts were : {$21000.00} - {$19000.00} - {$4700.00} and {$4600.00}. A total of {$50000.00}. 
All loans were consolidated on XX/XX/XXXX. We later discovered that the {$19000.00} loan was still active on XXXX XXXX. When we contacted Citizens Bank and informed them of their error, it was pointed out that one loan was misidentified as XXXX XXXX XXXX listed as the original lender. 
When the error was corrected, Citizens Bank added the {$19000.00} again, totaling {$69000.00}. They had doubled the {$19000.00} loan and added it to the total. The bank had also changed the term from a 15 year pay back to a 10 year pay back without notification. Payments went from {$370.00} to {$500.00}. Accruing interest from XX/XX/XXXX to XX/XX/XXXX with XXXX XXXX in which we had to pay the balance of {$49.00}. XXXX Bank had refused to pay the interest of their mistake. 
The additional {$19000.00} was eventually removed and the {$50000.00} was restored, however the loan payment amounts and term had not been corrected. I am concerned with the financial harm this has caused my son and myself. Numerous hours of frustration and phone calls have been spent on this to date unsolved issue. Your assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is a follow up and documentation of the XXXX  Card company contending to harass me by sending me by XXXX XXXX XXXX  of their policies on interest rates and et al. This is not about any of that information! This is about the voice message of {$600.00} clearly shown owed to me clear and simple! They have admitted the money is mine in an earlier letter sent through this method and then lied that I spent it in following purchases! But that's a lie! All they had to do was do simple addition and subtraction on the statement I attached at the beginning! That statement shows the purchases at that time! 

They think because a little person that they can harass me as they been doing with their multiple mailers all saying the same thing! When in fact I only want what is mine that I worked hard to earn legally and honestly! But I wonder if they really understand that! 

" Their '' voice message attached is clear that they owe me {$600.00}. The attached statement is clear showing the purchases at that time! I don't see why they refuse to honor the truth and give me my money! Please deposit it in my XXXX checking account! But please add daily interest and punitive damages! 

I'm asking the " pfpb '' to instruct the card company to communicate using this method to obtain trailers and paper trails for legal action against them, similar to the class action case against XXXX XXXX! In which I ask the XXXX  to ask The card company for a XXXX  to see how many others are effected to stop the methos of theft! 

It's a shame it had to go this far!

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 2022-05-01
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan for {$1500.00} on XX/XX/21. I have been paying the he loan consistently since XXXX. To date, I have paid roughly {$2200.00} to this company and still have a balance of {$1500.00}. I can not afford to make these exorbitant payments. Thats more than I took out in the first place. I would like to revoke ACH authorization on my account and to have this account closed. I am willing to settle on a discounted rate to have this debt removed. I also ask that all future communication be sent via email and no phone calls should be made to myself or my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: EQUIFAX, INC.
State: PA
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:
I am writing to request an investigation of the following information that appears on my XXXX XXXX report : Dispute 1 Account # : XXXX XXXX XXXX Based on, 15 U.S. Code 1681c2 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 XXXX business days after the date of receipt. It has been XXXX days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Enclosures : Federal Trade Commissions Identity Theft Affidavit. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a vehicle through wells fargo, Over the last couple of years I have received checks for small amounts with apologies saying they overbilled. One point I had a repossession on a very low amount. which I had to pay a larger amount to get car back. Car is paid off, but I am inquiring about said damages awarded through the court settlement recently. Thank you, 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 2022-10-27
Company: Nationwide Recovery Systems, Ltd
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I am my brothers POA whom the debt is possibly owed and they refuse to verify. They will not talk to me about it. I have told them several times, since they cant talk to me, to remove my contact info from their information. They keep saying they will, but don't. Today, XX/XX/2022 they called me at XXXX XXXX. I have record of it on my phone from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Complaint Re : Experian : Credit Freeze difficulty Dear Sir or Madam : On the advice of our financial advisor I yesterday went on-line to request a credit freeze. When I went to the Experian site I found that I first had to establish an account with them. In doing so I was confronted with this message : " By clicking " Submit and Continue '' : I accept and agree to your Terms of Use Agreement, as well as acknowledge receipt of your Privacy Policy. '' 1. I downloaded their Terms of Use Agreement. It is 50 pages long! That is 25,761 words of deep legalese! No one can reasonably be expected to accept and agree to such a document without a legal team and a week or so to understand and evaluate it. I, of course, will not blindly agree to these terms. 

2. Their Privacy Policy is only 8 pages long, but it includes many details that I find quite unacceptable.

Recent legislation requires credit reporting companies to provide free credit freezes on request.

By requiring me to open an account and agree to such preposterous terms Experian is blatantly trying to avoid their legal responsibility, as well as showing utter contempt for my privacy.

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 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
After reviewing my credit report and understanding that based on 15 USC 1681 any inaccurate information needs to be removed. The credit bureaus are not making sure that they are getting these inaccuracies off my credit report. As a consumer I have a right to have all alleged fraud or unverified items off my credit report but yet the Credit Bureaus is not taking this matter seriously. I have attached a copy of my ID and my FTC 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 2023-11-02
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
Below is the response Ive received from Equifax regarding an ongoing dispute for an account that was open fraudulently, Ive provided all supporting documentation and still havent had my issue resolved, this is ridiculous and Im planning to sue Equifax and all parties involved! I personally feel like Equifax have been operating against consumers fraudulently and their multiple data breaches are the reason why Im a victim of identity fraud to begin with. It also took them longer than 30 days which is obviously another clear violation of the FCRA : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : CARD ASSETS, A XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. Trade : FIRST TECH FCU WE SHOW THAT YOU HAVE PREVIOUSLY DISPUTED THE SAME ITEM AND EQUIFAX IS EITHER CURRENTLY PROCESSING THAT DISPUTE OR HAS RECENTLY PROVIDED YOU WITH THE RESULTS. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you XXXX visit XXXX. With XXXXEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: VA
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 numbers XXXX 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 a account without my written instructions.

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 2023-08-26
Company: Experian Information Solutions Inc.
State: IN
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 filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX 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 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 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 2023-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I have reached out to the company several times they replay by stating that they are following the credit laws which they clearly are not I recently received a copy of my consumer report, and I noticed some late payments posted on my consumer report : Capital One account number XXXX This company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumerr XXXX XXXX and the person XXXX XXXX XXXX Making the report is not INCLUDED on my Consumer report! A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

Company response to consumer: Closed with explanation