BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Portfolio Recovery Associates attempted to collect a debt ( XXXX XXXX XXXX for {$700.00} ) from me which I had no knowledge of, upon contacting them I asked for validation of the debt but after several attempts no one could provide me with supporting documentation that this was my debt. They continued to tell me that the debt was sold to them therefore they have no other information. I disputed this debt with PRA and credit bureaus ( XXXX, XXXX and XXXX ). In XXXX of 2018 I received a letter from PRA saying that after investigating, they were closing the account and will notify the three major credit reporting agencies to delete the account. The account was deleted off all the credit reporting agencies. About a month or so later I started receiving threatening calls again from PRA about the same account. I explained that we have already discuss this matter and it was taken care of. I spoke with several people from PRA and they just continued to threaten and harrass me. They would call daily from sun-up to sun-down. Shortly after this account was placed back on my credit reports. I have tried disputing this again. I have screen shots of the collection being deleted from bureaus, along with disputes from the credit bureaus showing that indeed this account was deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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

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 2018-08-24
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed : XXXX County Police Department # XXXX. 
As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I am a litigious consumer and fully intent to enforce my rights, you should now that law provide monetary relive of {$1000.00} per item, if you continue listing these items illegally this complaint will serve a proof in a court of law. 
I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2023-06-01
Company: EQUIFAX, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In the first week of XXXX I moved from XXXX XXXX XXXX to XXXX XXXX. I had to change banks due to the fact there isn't a USBank for 1200 miles from XXXX. During that process I left XXXX dollars in the account, and placed a hold on the account to ensure no transactions were coming out of the account. On around XX/XX/XXXX I contacted USBank and asked them to remove the hold so I could XXXX the money to my XXXX XXXX XXXX account. During that phone call I asked them to then close the account. Over a month passes by and on XX/XX/XXXX I received a text notification that USBank had changed my address. This concerned me, as the account should have been closed, and they already had my new address. 
After receiving the notification I immediately called the bank and found out I had a negative XXXX dollar balance, mostly due to bank overdraft fee 's and penalties. At this time I attempted to close the account, and tried to pay what I thought was my actual expenses that came out of the account. ( I was actually double billed by my Student loan company. ) At this time I spent the next two hours trying to get them to close the account and settle up the difference of what was owed, minus and fee 's for their negligence. In this process they could not reach the right department, or could not find the right person to resolve the issue and close my account. At this point I am beyond upset, and am considering filing a lawsuit against the USBank. I need your help closing the account, removing any fee 's and help paying the actual money that I do owe to the company. During my two hours on the phone, they clearly demonstrated they should not be allowed to handle US citizens money, and the disorganization, and de-compartmentalization of the company clearly demonstrated they are attempted to defraud me as a customer. At this time, I now want my account immediately closed, and I will not be paying any fee 's or payments to close the account, including anything that was withdrawn from the closed account. This is the Banks error and they are liable for any payments withdrawn during that time. 

To anyone reading this statement, I do not recommend USBank to anyone, as they do not protect you as an individual customer, they care more about Bank prophets. They are a clearly should have their Business License, Operating License, Insurance, and another other US related rights revoked by the US government.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX # XXXX {$530.00} & XXXX XXXX # XXXX {$720.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditors ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2023-06-16
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Applied for car said was going to run XXXX and ran all these inquiries 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 2021-12-02
Company: Experian Information Solutions 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 had a late payment on my XXXX XXXX credit card in XX/XX/2018 and i called and explained my problem to XXXX XXXX from XXXX XXXX  on XX/XX/XXXX at XXXXXXXX XXXX  and i was promised to remove late payment from all 3 credit bureau around XX/XX/XXXX. I pulled my credit and it was not updated so i disputed information and it came back as verified and information stays and correct. I called bank and asked for rep who helped me on XX/XX/XXXX and was told i they have no way to connect me to him. I filed a complaint with XXXX XXXX XXXX and person who handled my complaint wrote in response '' information stays and i was told in a letter dated XX/XX/XXXX '' which i never received in mail email or document section on my online account. letter a copy of that letter was mailed to me with a statement saying " I was told its not guaranteed to remove the negative information which i don't remember and additional narrative will be added to my credit file and will be seen by credit granters and if i wish to remove the narrative i write to them requesting and they will remove narrative and late payment stays. i rejected offer from XXXX XXXX to XXXX and i responded by saying i never heard of the XX/XX/XXXX letter till today and banks nationwide was closed as it was not only sunday but also our XXXX XXXX  and no way this letter can be written on that day and i suspect it was created and in retaliation and based of this fake latter you put additional narrative on my credit file so i cant get credit. Some other rep try to assist my XXXX complaint this time and she came to a decision that late payments stays and additional narrative was placed on my credit file as retaliation and given a statement as '' XXXX of XXXX fall on sunday we celebrated XXXX XXXX on XXXX of XXXX and not XXXX of XXXX so information is correct. ''

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 2023-08-30
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-06-01
Company: EQUIFAX, INC.
State: TX
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:
Pursuant to the FCRA, the account below has violated my protected consumer rights provided by the federal state under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have a right to privacy. 15 USC 1681 Section 604 A section 2 further states a consumer reporting agency CAN NOT furnish an account without my written instructions. I have not given any such permissions or authorization to furnish the above account on any of my credit reports. Being the litigious consumer that I am, I am confident that we can have this item removed before any court suit documents need to be filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This problem has to do directly with PNC Bank and their policies. I have been a long term customer of PNC Bank for approximately 6 to 7 years. I reached out to PNC Bank a day after noticing I had accidently overdrafted my by about {$8.00} with 2 transaction and immediately sent payment to cover the overdraft as soon as I possibly could. I was still charged a {$36.00} overdraft fee. I reached out asking if they could waive the fee but was told that I would " have to wait til XXXX '' for my next overdraft fee waive. So I filed an official complaint against the overdraft fee so that it could be reviewed. 

PNC abides by it's mission statement that " for more than 170 years, we have been committed to providing our clients with great service and powerful financial expertise to help them meet their financial goals. We are proud of our longstanding history of supporting not only our customers but also our communities, employees and shareholders. '' Personally, I do not believe that taking funds from customers who lend and trust a bank with their money, while the bank provides little to no benefit to their customers is a sound form of banking in today 's more modern world. In XXXX alone, PNC raked in nearly {$270.00} XXXX in overdraft fee revenue ; to clarify that would be over XXXX customers that PNC Bank was able to profit of off. I don't see how this helps PNC customers to " meet their financial goals '' as the company claims in its mission statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-19
Company: MicroBilt / PRBC (formerly CL Verify)
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to call MICROBILTFinance ResellerXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX several times to an inquiry that remains on my credit. I never authorized this company to see my or pull my credit for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have Wells Fargo credit card. I have setup automated payments. 
Why the payment for card ending in XXXX was not done on time? It is showing late by XXXX  days. Then finally i need to do manual payments.

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 2023-06-01
Company: EQUIFAX, INC.
State: CT
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 is 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
Company: CarMax, Inc.
State: MS
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:
On XXXX XXXX, 2021 while browsing cars on Carmax, the preapproval option was given. No where in the writing did it notate that the preapproval would be a hard pull and on top o that my credit was also pulled by XXXX XXXX as well as XXXX XXXX, without my knowledge or consent. Therefore this did cause my credit score to drop. I ask that these inquiries be removed immediately from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I continue and will continue to address this situation. I feel everytime that I have addressed this matter with Capital One Bank about the unauthorized inquires, they continue to respond saying that they have no record. The record is there where there representatives have told me that they had no such record that was found. 

I still question where these inquires came from. The other credit bereaus investigated and found my case to be fraudulant applications and immediately removed but Equifax continues to hold this situation up and continues to insist that II have capital one deal with this situation. 

Capital One continues to discriminate towards me and not properly addressing my concerns. I have ask for the inquiries to be removed and as i stated before until they disappear off my credit report I will not quit with the complaints till a resolve has been reached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with explanation