BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-31
Company: PNC Bank N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a PNC Bank Rewards credit card. I called their customer service department to request a lower APR interest rate. I was told by the agent on a recorded call that my APR would be reduced 6 %, effective my next statement. 

Upon receiving my next statement there was not the promised APR reduction. I called in to PNC back asked to speak to a supervisor to lodge a complaint. I spoke to a supervisor who said they would pull the call, listen to the call and see if they could help me. 

Today I received notification from PNC bank that they were unable to offer me the 6 % APR reduction that I was promised on a recorded call. I asked for a copy of the call with the agent and was denied. 

I am filing this complaint as this is very deceptive and dishonest. I was promised a 6 % APR reduction by the PNC bank agent, and come to find out this will not be the case .... 

Please help me with this matter, Very truly yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Portfolio Recovery calls me on holidays, weekends, and violates my rights by the Fair Credit Act. They have repeatedly called me before XXXX and after XXXX. They do not follow the rules. They harass me on a daily basis, even after blocking the number every time. I have proof of times that they have called by taking screenshots that were outside of XXXX. I'm sick of them breaking the law. They need to be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: ALLY FINANCIAL INC.
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I got an Ollo Credit Card, now moving to Ally Bank, about ayear and a half ago. They advertise a Variable Interest Rate on their website of 23.99-28.99 %. 

I have been consistently charged 33.24 % since the initiation of the card, resulting in larger monthly 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 2019-10-31
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX, I went on line to get a loan for debt consolidation. LoanMe was able to offer me a loan. I was given a few loan options with the highest amount being {$7600.00}. The options and terms are attached below. I wanted to get the option with 48 months but the loan officer only offered me the 84 months option and told me that's just how the loan was set up. I have the email conversation saved. Of course the 48 months option was the best deal for me and the 84 months option the lender would make more money, which also means more commission for the loan specialist. I just felt that the loan specialist did not have my best interest. He should be able to set up the loan if it was one of the options given to me. I contacted customer service department on XX/XX/XXXX and spoke to Ms XXXX to try to work out a better option. I asked her if she could investigate to see if there was anything she could do to give me the better loan option with 48 months term. She said that was just the loan I signed for. But i still feel like it was predatory lending. I really needed the loan because my husband was in the hospital and he lost his job. I only made $ XXXX/hr at the time as a preschool teacher. My monthly payment is {$560.00}. After paying all my other bills, it is very difficult to pay any additional amount as I have tried to for the past year. It made more sense to give me the 48 months term based on the income I had. I would be able to pay it of in 4 years worse case scenario than to pay it of in 84 months. 

I borrowed {$6600.00} + {$950.00} origination fee = total loan amount {$7600.00} For 84 payments of {$560.00}, total payment would be {$47000.00} For 48 payments of {$580.00}, total payment would be {$27000.00} As you can see, the 84 payment plan is almost interest only and i still owe about {$7500.00} after making payments for about a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
My credit was ran without my knowledge or consent

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 2018-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
As of XX/XX/XXXX I had a credit card balance of {$810.00}. I made a payment of {$810.00} on XX/XX/XXXX and as far as I was concerned, I thought I had paid off my total balance. On XX/XX/XXXX I received a text message from Capital One stating that I had a new balance due of {$6.00}. When I opened the Capital One application on my phone I saw that the balance was due to interest. I called Capital One that day and asked why I had interest charges when I had paid off my balance on XX/XX/XXXX. The woman stated that interest is accumulated every day even though I have a {$0.00} balance. I questioned that, telling her that it's not right that they do that. She then put me on a brief hold and when she came back she said that in order for no interest to be added, I must pay off the total balance in two consecutive months. I don't understand how interest can be accrued when I have a {$0.00} balance. She continued to say the same thing over and over. I ended up ending the conversation with her because I was getting no where. My payment date for this balance is XX/XX/XXXX and I refuse to pay this. I am now concerned they are going to charge a late fee when I do not pay this and I would like this taken care of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit card plan as late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
This Bank of America account was fraudulently opened under my name and I will not pay something I have no knowledge of. I've managed to remove other charge accounts from my credit report because they were not mine. I also have physical proof from other financial institutions telling me that the account opened was not done by me.

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 2023-02-24
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-10-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: DC
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:
This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 Balance Owed : {$46000.00} ; XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12
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: Information belongs to someone else

Complaint:
Credit reporting agencies are required by law to report true and accurate information on a consumer credit file. Every measure must be taken to avoid inaccuracies, false and misleading information. I have submitted proper documents involving some accounts reported fraudulently on my file. The Fair Credit Reporting Act gives me the right to request information be blocked. Every measure should be taken to prevent reinsertion of accounts once they have been removed. I have been treated like the suspect who is using my identity instead of the victim who is suffering. Experian has been acting nonchalant in reference to my issue. I have requested sign documents with my signature from Experian and Creditors involve. I have receive nothing to support the continuation of the following accounts remaining on my credit file. I have a right to know what information Experian have receive in reference to the following accounts. I should not have to suffer because someone else has open accounts in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Paramount GR Holdings, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
CFPB closed my original complaint ( # XXXX ) and GoodLeap lied as they never responded to me. Request you not close this complaint until they respond to one of us. 

GoodLeap is applying different methods from month to month on how they process payments. I sent a {$50.00} payment in XX/XX/2021 with instructions to apply it to my principal. It was only applied to interest. By the load agreement, my first payment was not due until XXXX XXXX XXXX. Then in XX/XX/2021 I sent in an additional {$100.00} principal. Then on the due date they elected to only debit my account {$42.00} instead of {$140.00} and they elected to split the payment ( {$84.00} for interest and XXXX for principal for the two XX/XX/2021 payments ). The also failed to provide me monthly statements in XXXX and XX/XX/2021 until I filed a complaint with the XXXX For two months I had no insight into how payments were being applied or my loan balance. When I went through the details of daily breakdown of changes, I noticed that on XXXX XX/XX/2021 my daily interest accrual went up while my loan balance and rate remained constant. This also happened on XXXX XX/XX/2021. In fact, with a lower principal than my initial opening balance my interest per day is actually higher on XXXX XXXX ( {$2.00} vs. {$2.00} at the beginning of the loan ). GoodLeap will not explain exactly what they are doing nor will they provide answers to why my account is not always up to date. I have been overcharged interest on this loan. I was effectively charged {$160.00} in interest for XXXX ( counting the {$50.00} sent in XXXX ) and the loan agreement states the XXXX payment was only to be {$140.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Has violated my rights XXXX XXXX has violated my rights Equifax Mortgage service has violated my rights 15 U.S.C 1681 section 602 A. States i have the rights 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: BARCLAYS BANK DELAWARE
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX and XXXX. Despite sending them the letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX and XXXX have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : BRCLYSBANKDE XXXX Balance : {$0.00} ; BRCLYSBANKDE XXXX Balance : {$0.00}

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX-I have never been late on a payment pursuant to 15 usc 1666b , late payments can not be reported onto an open line of credit, this late payment remark is a defamation of my good character, please remove. 

The following hard inquiries are not attached to an any open accounts on profile, nor have i given written consent for them to be placed onto my report. Pursuant 15 USC 1681 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 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX, N/A, N/A, N/A, N/A, N/A, N/A, N/A, XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, Original Creditor : XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : 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 2023-03-09
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX  sent a credit card to collections, under my name and information but I do not recognize the account or any associated charges. This account is fraudulent and needs to be closed and removed from my credit files and consumer reports. 

Below is information sent to me after I attempted to dispute the information. 

Supposedly : XXXX XXXX : XXXX XXXX, XXXX. 
Current Owner : LVNV Funding LLC Reference ID : XXXX Balance : {$540.00} I am completely unaware of how and why this information is on my consumer report and credit reports, when the account was reported fraudulent years ago. This is ruining my credit score and preventing me from various opportunities to grow my personal business and provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: AMERICAN EXPRESS COMPANY
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to AMERICAN EXPRESS but they failed to give me any results or feedbacks about this concern. Please investigate and erase it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
CHECKING MY CREDITREPORT IS SHOWING I HAD 3 COLLECTION FOR 3 DIFFRENT CREDIT CARDS I NEVER OBTAIN BECAUSE AT THIS TIME I AM OUTSIDE OF THE COUNTRY SOMEONE STOLE MY INFORMATION AND USE TO OPEN THIS CREDIT CARDS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
PRA has failed to notify the credit reporting agencies of multiple disputes that I have filed with them, in addition to other violations of FCRA. 
Though I have filed disputes with Portfolio Recovery Associates directly and also via XXXX, they have failed to notify the credit reporting agencies of my dispute in violation of FCRA 623 ( a ) ( 3 ) but have continued to pull my credit monthly and report updates monthly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an credit offer from Fifth Third Bank at zero interest good through XX/XX/XXXX and on XX/XX/XXXX I went to my Bank and accepted the offer.

Since accepting the offer I have to go into the bank and have them reverse the interest charges and they ca n't seem to resolve the issue and I 've spent countless hours trying to resolve the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-06
Company: EQUIFAX, 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 credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation