BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PORTFOLIO RECOVERY ASSOCIATES Account Name XXXX Account Number Debt Buyer Account Type .On XX/XX/2020 this debt was removed from my XX/XX/XXXX report due to not having sufficient verification of debt. I disputed the debt with XXXX and XXXX  in XX/XX/2020 and asked for verification and validation of debt. I havent received anything from the credit bureau or creditor. On XX/XX/XXXX I wrote the creditor and credit bureau requesting proof be sent to me validation and verification nothing was received but the creditor and credit bureau updated this debt on my report with no proof. The date the dispute was submitted was XX/XX/XXXX, dispute updated XX/XX/XXXX and disputed results ready XX/XX/XXXX. It was not processed correctly and they did not require any proof be submitted only went on the creditor words. According to the FCRA that is illegal. Im asking this to be removed from all accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I filed a dispute on XX/XX/21 well over 45 days and no investigation results have been provided,.

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 2018-08-22
Company: Weinman Acquisition Group
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a call from a man who left a message saying that I was avoiding them and that I needed to call them in order to stop him from coming to my house and my work. I called the number that he left and the lady said that I needed to make arrangements in order to stop it from going to court and fraud charges be filed against me. I panicked so I set up arrangements. She said I owed around 1700 but if I settled it would be XXXX and it was going to be XXXX a pay period until paid off. I asked if I could receive any documentation because I thought I had made payments but just didnt pay it off and she said that they couldnt give me any documentation until it was paid in full because I could use that information against them.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Capital one credit card and Capital one 360 account. I use the 360 account to pay my balance down by {$200.00}. They show payment accepted. Then 2 week later I get email sorry your bank declined payment and sending money back. So I paid again another 2 weeks went by they did it again. I called bank they said no problem their end. Call credit card it bank fault. They both capital one best part they trying flag my account for late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested several times from Experian what methods they used to verify a collection account on my report from XXXX. I have also written to XXXX and they will, nor have they, sent me any supporting documentation that I requested to validate this debt.

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 2021-01-22
Company: Credit Corp Solutions Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit corp solutions keep calling me and threatening to take legal action on a debt that they have not provided verification for. I have asked in writing and over the phone multiple times for verification that they own the debt and have the right to collect the debt along with the original car holder agreement signed by me that binds me to the debt. However, they have not provided me with this and it has been months now. I sent them a letter dated XX/XX/XXXX requesting this information and still have not received it. This was sent certified mail so I know they received it. When I received mail from them they sent me a letter claiming that the cardholder agreement is in the package however it is not there just account statements. They can not provide me with documentation proving they own the debt either. Every time they call from different phone numbers making it impossible to know when it is them calling. They have also made comments about how this would affect my credit and asking if I have looked at my credit lately. Using scare tactics to try and get me to pay a debt that they can not validate. They make a claim that I owe them {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Opened multiple XXXX XXXX credit card accounts with citi bank. Citi bank offered miles in return for money spent. Many thousands of dollars spent resulted in award mileage of XXXX as of XX/XX/2019. Mileage account tied to citi spending was involuntarily closed and all mileage earned was taken away without any communication or compensation offered by the bank.

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 2018-05-13
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

Best Buy Opened XX/XX/XXXX Closed XX/XX/XXXX XX/XX/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 2020-02-03
Company: Navient Solutions, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This letter is being sent to you in response to notices sent to / from me from the Dept of Edu / Navient and more importantly, due to their erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that their claim has been disputed and validation was requested.

I have asked the Dept of Edu/ Navient to please provide me with the following : What the money they say I owe is for : Explain and show me how they calculated what they said I owe : Provide me with copies of any papers that show I agreed to pay what they say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you they are licensed to collect in my state : Provide me with their license numbers and Registered Agent or Agent of Service : At this time, I also informed Navient that if their offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX , XXXX or XXXX  } this action might constitute fraud under both Federal and State Laws. Due to  this fact, if any negative mark is found on any of my credit reports by their company or the company that they represent, I will not hesitate to bring legal action against them for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Navient provided the following documentation : A statement summary of my account 4 Master Promissory Notes that DO NOT have my signature on them Since reaching out to Navient, action was taken which has been detrimental to all 3 of my credit reports, and I am consulting with my legal counsel for suit. The information provided by Dept of Edu / Navient includes information that is inaccurate and invalidated, but the credit bureaus have been verifying these accounts as accurate, when in fact there is no provided proof that it is accurate.

The company Dept of Edu/ Navient has failed to respond to this validation request and the information provided in the Master Promissory Note must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting b
ureaus : XXXX , XXXX  and XXXX } should be sent to me immediately.

I have also disputed this information with the 3 credit bureaus as inaccurate, and they have come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: AR
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 credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my 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 2020-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I noticed I had been charged two {$25.00} maintence fees, a total of {$50.00} ( Bank of America Advantage Monthly Checking ) for XX/XX/XXXX and XX/XX/XXXX. My minimum balance to avoid those fees was never lower than the required minimum. ( This happened once before a year or two ago. )

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 2018-05-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX XXXX opened XX/XX/XXXX closed XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a Chase customer for over 12 years, and today at a restaurant, I found out that all my credit cards are closed for no reason without any notice. I called Chase today, and the credit card team supervisor XXXX told me that it was due to Retail banking issue, and transferred me to the Retail banking department which I have a Premier checking account with. But the Retail banking person told me that my Premier checking has no issue at all and it was all the Credit Card department 's decision. I felt being kicked between different departments and reaching nowhere. This is really bad customer experience and created tons of trouble on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX XXXX opened XX/XX/XXXX closed XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my 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 2020-02-03
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:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2018-05-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX opened XX/XX/XXXX closed XX/XX/XXXX XXXX   opened XX/XX/XXXX opened XX/XX/XXXX ( authorized user )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Im XX/XX/XXXX I have a payment of XXXX I forget the exact amount I had auto pay on and it must of not came out my account it is showing as it being a late payment this was totally out of my control

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing because I do not recognize item on my credit report. The account is listed below. I have never done business with this company.

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 2020-07-03
Company: EQUIFAX, INC.
State: LA
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 erroneously reported a late payment on my credit report. This has significantly impacted my life. I am unable to get approved for a mortgage. XXXX XXXX has refused to remove off my credit after several disputes and complaints to the creditor and credit bureaus. They customer service I received regarding this matter was very rude and demeaning. I would never recommend this loan company. They falsely report information that affects a customers ability to obtain credit elsewhere. I would like the sirurisriin to be rectified by XXXX XXXX removing the false report of a late payment off my report immediately. I have supporting documentation that states I have paid on time each month. My payments are automatically drafted each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I took out a payday loan with Cash Call back in XXXX. I defaulted on the loan because the payments were high and I could no longer afford to pay it. The interest rate was astronomical. I believe it was 126 %, but I'm not too sure, as that was almost 20 years ago now. 

The debt was then purchased by XXXX, XXXX XXXX XXXX XXXX has obtained judgment against me and now they say I owe {$7500.00}, even though the loan I took out was for {$2500.00}. They constantly call me, and my relatives, asking where I'm located so that they can serve me with court documents. I was afraid, so I called them back and made a payment plan of XXXX XXXX/month as that's all I could afford. I began doing some research, and the state of California, where I live, used Cash Call due to it's predatory loan practices and high interest rates. Cash Call was ordered to pay fines and also to repay some if it's consumers who had taken out the predatory loans. I believe I fall in this category, this debt is almost 20 years old and it's not fair that I have to pay back almost triple the amount of the loan.

I tried to settle with them for {$2500.00}, the original loan amount, but XXXX, XXXX Will not settle with me. They'd rather garnish my wages during a time that Covid-19 is happening. They are harassing me, and won't allow me to settle for a lesser amount. They are also threatening to garnish my wages in XXXX for a XXXX debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: EQUIFAX, INC.
State: VA
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:
On all 3 of my credit reports XXXX XXXX reported the credit card was charged off XX/XX/XXXX however that is inaccurate information. The card was charged off fraudulently XX/XX/XXXX. The late fees were refunded because XXXX XXXX know they made a mistake and still forced me to pay for interest for a card that should have been closed XX/XX/XXXX. However They have reported the card charge off date as XX/XX/XXXX which is not true. It was charged off XX/XX/XXXX. 
Since XXXX XXXX had failed to correct inaccurate information on my credit report damaging my credit report I ask the info completely be removed. Also the card in question is involved in a class action law suit against XXXX XXXX. The information by law should be removed until the litigation is completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-17
Company: EQUIFAX, 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:
I believe I was a victim of the Equifax hack and have had my personal information stolen sometime between XX/XX/XXXX and XX/XX/XXXX. I am closely monitoring my accounts for suspicious activity. I have placed a 90 day fraud alert on my files as of XX/XX/XXXX. Currently, I suspect a line of credit from XXXX XXXX for {$10000.00} to be opened under my name falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: DISCOVER BANK
State: KY
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation