BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-11
Company: Navient Solutions, LLC.
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 status incorrect

Complaint:
Their refusal to have the accounts removed has ruined my life and especially my credit. The department of education has my accounts listed 4 different times on my credit report starting from XX/XX/XXXX to XX/XX/XXXX and these are with XXXX XXXX. And the others are with Navient and they are listed multiple times from the dates of XX/XX/XXXX-XX/XX/XXXXand they are all the same accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: U.S. BANCORP
State: MN
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:
On XX/XX/XXXX, I called to inquire about my account because I was unable to use my accounts at a merchant. I was told that my accounts were closed for my protection because of a large number of purchases I made for my business at XXXX XXXX and some incidental purchases of gift cards. 

On XX/XX/XXXX, I received three letters from U.S. Bank indicating that all my U.S. Bank and Elan Financial Services credit card accounts had been closed. 

On XX/XX/XXXX, I sent a letter to U.S. Bank stating my concerns and requesting that my accounts either be reopened, or that I be paid for the rewards associated with the closed accounts. 

In late XXXX, I received a letter dated XX/XX/XXXX stating that U.S. Bank would neither pay my accumulated rewords nor refund the annual fee that I had paid. 

The losses U.S. Bank caused me through their adverse action are as follows : XXXX points awarded to my XXXX XXXX card, worth {$1100.00} when redeemed for travel at XXXX cent per point {$180.00} in rewards from my U.S. Bank XXXX XXXX XXXX XXXX, as of my XX/XX/XXXX statement {$400.00} annual fee I paid for the XXXX XXXX card

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 2020-07-06
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reported this as identity theft with the federal Bureau of Identity Theft and it was removed by and now it has been placed back on my credit report from a collection agency. I mailed my Identity report on XX/XX/XXXX. I was original from XXXX XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than XXXX business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 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 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 filed a chapter XXXX bankruptcy in XX/XX/XXXX that was discharged in XX/XX/XXXX. Every collections account I had has been updated showing discharged in bk/closed, but one account. My account for XXXX who's collecting through XXXX XXXX XXXX is the only account still showing as an open collections account but should be reported as discharged in bk/closed. I've reached out to the Collections company in addition to Transunion and XXXX to dispute the incorrect status and nothing has been done.

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 2021-02-02
Company: Chime Financial Inc
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX  sent a refund of XXXX to my chime checking account on XX/XX/21, but it has yet to be posted on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: NE
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:
I have written and talked with my school loan lenders over the past year with no avail however, after further review of my three credit reports, I have found them all to be two to three years old, and my financial balances are totally incorrect. Unfortunately I have five lenders who have not updated any of my financial information to the credit bureaus. XXXX XXXX XXXX, Select Portfolio Servicing, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, which is a credit card I paid off in full sixteen months ago, in the amount of {$3100.00}. After calculating such figures I have paid back {$14.00} to these five lenders and my credit reports state false and or incorrect balances on these accounts. This is a very negative and significant situation for me and my future. I need help or directions that will help me fix this serious problem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PNC charged me back in XX/XX/XXXX attorney fees ( Statement attached ) they used an attorney and filed a motion in the XXXX XXXX requesting relief from Automatic Stay on my property on the other hand the customer service department Authorized a Forbearance plan to me as a consumer for 3 Month since i had hardship due to covid XXXX i had to use my BK attorney at that time to file a motion and opposition cost me {$200.00}, there attorney ended up withdrawn the motion due to the fact i am on Forbearance plan i addressed this issue with the Executive office officer below the client relation and her email are attached Given the Fact that as a consumer i signed the loan documents with XXXX XXXX in XXXX then it was transferred to PNC to service the loan in XXXX in XXXX Given the fact that this is BK case filed because of my financial hardship, and the debt was Discharged on XX/XX/XXXX as well they made an error by utilizing an attorney, ignoring my forbearance and that cost me fees to their counsel and my attorney as well to defend the motion this is the feed back I received from PNC executive office : " in addition, the security instrument has been attached and on the page labeled 9 or 13 bullet point number 14 states : Lender may charge Borrower Fees for services performed in connection with Borrowers default This is something you signed when you received the mortgage. This means that a motion was filed against the debt owed. PNC is required to have legal council as well. These funds will not be reimbursed to you. 

In addition My Application with Loss Mitigation was denied the 1st time in error then the 2nd application was completed in XX/XX/XXXX but it has been difficult for them to acknowledge my income and acting they they can not understand my letter of explanation Underwriting has been ignoring some of my income They told me before on a recording line " we can not entertain a loan modification at this time " because the investor is not willing to do so They ignored the Covid XXXX Hardship Guidelines that was sent by PNC to XXXX XXXX the investor XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
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:
I had a credit card with the XXXX XXXX XXXXXXXX XXXX XXXX XXXX that was sold to a collections agency portfolio recovery. It was being reported as delinquent and negative on all my credit reports so I called the XXXX XXXX XXXX to get the contact number for the collection agency so that I could pay the debt off and clean up my credit. Upon speaking to a rep with I agreed to pay the debt only if the account be completely removed from my credit report. They assured me that once I paid the debt it would be removed from my credit within 30 days after the debt was paid. On XX/XX/2020 I made my final payment on XX/XX/2020 I got a notification from my credit bureau apps that I had a negative/ delinquent reporting account. The account was from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I called them and told them that I had paid the debt with portfolio recovery and that the debt and all account information should be deleted from all of my credit reports. I spoke to a XXXX and she told me that since portfolio acquired the debt I had to contact them to get the account deleted. After I got off the call with her I called XXXX, XXXX, and XXXX  just too find out who was reporting the debt and both companies have not removed the debt and still reporting delinquent/ negative marks on my report. Ive been getting the run around from both companies. I just want this account deleted from my credit reports since I paid the debt off and they told me that it would be deleted after I made the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a savings and checking account with Chase bank on XX/XX/2019. The account was opened and I started the process to fund the account. I funded the account through a transfer initiated by Chase with my other bank. On XX/XX/XXXX I received an email stating Chase had canceled the transfer. I called Chase to ask why they had canceled the transfer and they told me they closed my account and canceled the transfer. I have asked repeatedly why my account had been closed right after I opened it and the only response I receive is " Our account specialist reviewed the account and you can no longer bank with Chase. '' I am unsure what caused them to determine I am unbankable and I feel like they should have denied my account request initially instead of waiting for me to initiate the transfer. I would like Chase to take me off of their unbankable list because I have done nothing wrong. If there is something wrong with my banking history they should be able to explain to me why they decided to close my account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
During the fall of 2019, I began receiving phone calls from Portfolio Recovery Associates, LLC ( PRA, LLC ) attempting to collect a credit card debt previously held by XXXX XXXX. Initially believing this to be a legitimate debt owed, I spoke to a representative over the phone agreed to pay a settlement amount of {$1200.00} by XX/XX/2019. However, after checking my financial records, I realized that I had already settled this debt with the original creditor, XXXX XXXX, and the debt was paid in full. I received tax documents from XXXX XXXX  and the discharged debt was listed as taxable income for the 2019 tax year. Despite this and despite the fact that I submitted records to confirm my payment to the original creditor ( settled with 3 monthly payments of {$540.00} paid XXXX 2019 ) as well as my 2019 tax documents, Portfolio Recovery Associates continues to report inaccurate information to credit reporting agencies, severely and adversely affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
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: Investigation took more than 30 days

Complaint:
On XXXX I disputed the following items with Equifax online ( XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX # XXXX. I was then given a confirmation number XXXX. See documents enclosed confirming this. 

On XXXX I disputed the following items with Equifax online : XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, and XXXX  # XXXX, and XXXX  # XXXX. I was given a confirmation number XXXX. See documents enclosed confirming this. 

On XXXX I went online to submit another dispute of erroneous information to found that the accounts I disputed back in XXXX XXXX and XXXX XXXX were still listed as under investigation. When I clicked on the " dispute not available button ''. it stated the account was still under investigation. See document enclosed confirming this.

I then checked the dispute status on both and confirmed with Equifax that these disputes had been completed XX/XX/20 and XX/XX/20. See dispute status enclosed. 

it appears that the accounts I disputed had been completed. However, Equifax has the accounts listed as still under investigation. This is a violation of the FCRA and my consumer rights. As they stated the disputes are to be completed within 30-45 days. it is well past that time and they have confirmed the disputes are complete. Whys are these accounts still listed as under investigation? Due to the fact that they failed to list the accounts in the correct status on my report- I request deletion of all accounts listed and included in this complaint. Failure to correct my report will result in civil litigation with a consumer attorney if not resolved expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this 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 2019-05-31
Company: EQUIFAX, 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:
Please reverse the late payments reported on the following accounts : XXXX   XXXX ; XXXX XXXX XXXX ; The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio recovery services were contacted and proof that the expenses on that account were done by me. They replied back with a copy of the credit card statement showing the purchases but no receipt proving that was an authorized purchase done by me. in another word, the company was unable to provide proof and evidence that the purchases were done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: CITIBANK, N.A.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an online account with citibank and made my initial deposits with XXXX XXXX money orders. The checks have cleared but access to my account has been frozen. The initial deposit was made on XX/XX/XXXX. The bank is now demanding copies of the checks even after they have cleared. I sent a tracked package with notarized copies of said documentation. They have yet to even acknowledge receipt of paperwork, even tho I have confirmation of delivery on XX/XX/XXXX. I have called over 10 times and spent multiple hours on the phone trying to rectify the situation. I am not allowed to even talk to the department involved in the hold. Today ( XX/XX/XXXX ) I was informed that I would need to send the documents again, even though I have confirmation of receipt of delivery.

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 2018-02-11
Company: Experian Information Solutions 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 status incorrect

Complaint:
Their refusal to have the accounts removed has ruined my life and especially my credit. XXXX XXXX XXXX XXXX has my accounts listed 4 different times on my credit report starting from XX/XX/XXXX to XX/XX/XXXX and these are with XXXX XXXX. And the others are with XXXX and they are listed multiple times from the dates of XX/XX/XXXX-XX/XX/XXXX and they are all the same accounts.

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 2018-02-11
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 status incorrect

Complaint:
Their refusal to have the accounts removed has ruined my life and especially my credit. The XXXX XXXX XXXX has my accounts listed 4 different times on my credit report starting from XX/XX/XXXX to XX/XX/XXXX and these are with XXXX XXXX. And the others are with XXXX and they are listed multiple times from the dates of XX/XX/XXXX-XX/XX/XXXX and they are all the same accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: Kriya Capital, LLC
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account opened in my name and fraudulent, I never had a service with XXXX XXXX. Not sure where and when this account was opened. All I know is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
For maybe more than 20 years trans union has been reporting and gathering wrong information on me which has affected my credit score and report. They were reporting my name as XXXX XXXX XXXX and My name is XXXX XXXX XXXX Also they have been reporting my birth date as XX/XX/XXXXand my birth date is XX/XX/XXXX. This has resulted in bad information gathered. The other two credit bureaus have my credit scores ranging from XXXX to XXXX at different times and transition stays from XXXX - XXXX. I have complained and ask them t fully investigate how the wrong information mah have hindered my score and ruined my life stopping me from lower payments, credit cards and many better things. They changed the information but nothing else not even an apology and my right score.

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