BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX keeps updating a charged off account for a vehicle loan. The loan is over 7 years old and they are updating it as though it's a new account. I know that there are legal limits as to how long a company can keep reporting a negative account. It is not legal for a company to sale your account as though it was new in order to keep reporting, nor can they update it each time you contact them. I have had the same or similar problem with XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX as well as other accounts. This must be the new game in town. Please advise on how I can permanently have these accounts removed ASAP, never to return. What are my legal recourses if they do not comply?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I'm trying to buy a new car so I went to the car dealership today XX/XX/2020 and they ran my credit to see what bank would approve me for the auto loan but when my scores and reports came back, I was told I did not get approved by any bank because of some accounts reflecting badly on my credit. The accounts are from these companies. XXXX   XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX. I have never opened an account with any of those companies nor did I give anyone permission to open these accounts on my behalf. I don't know who is responsible for these accounts but I have already filed a police report. I did not benefit anything as a result of these accounts being open in my name nor did I contribute to any payments made towards these accounts. I am not affiliated to any of the companies listed above and I did not allow them to run or access my credit nor do I have any type of contract or agreement with them.

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 2019-05-23
Company: Checkr, 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:
CHECKR IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT WHICH STATES Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ATTACHED IS A COPY OF THE FAIR CREDIT REPORTING ACT. NEVADA REVISED STATUTE 598C.150 states : NRS598C.150Purging of information from files of reporting agency ; disclosure of purged information.A reporting agency shall periodically purge from its files and after purging shall not disclose : 1.Except as otherwise provided in NRS 463.334, bankruptcies whose dates of adjudication precede the report by more than 10 years. 2.Except as otherwise provided by a specific statute, including, without limitation, NRS 463.334 , any other civil judgment, a report of criminal proceedings, or other adverse information, excluding a record of a conviction of a crime, which precedes the report by more than 7 years.

CHECKR has previously conducted background screenings for other employers and has submitted CLEARED results that didn't suggest careful consideration be taken. ATTACHED ARE ALL DOCUMENTS SUPPORTING MY CLAIM/DEMAND THAT CHECKR REMOVE THE NEGATIVE ITEM FROM 2004 AND SUBMIT THE SAME INFORMATION TO XXXX AS THEY DID TO XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: JPMORGAN CHASE & CO.
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/2018 I opened a XXXX auto loan with Chase Bank. Today, I tried to make my payment via the telephone and was unsure of whether it had gone through or not. I called in to make my inquiry, and I spoke to, and was transferred to/from, 5 people. Each of these people would not speak to me until I gave them my SSN, make, model, year, DOB, and address. Just to get the understanding that my auto loan payment I made via the telephone was proper, I had to decide this information 30 times. Yup, 30 times. The Chase system is too arduous and too difficult to manage if even I can not access information. Of course, their representatives were horrible and difficult. I further do not wish to give out my private information to call center representatives, as that practice is incredibly unsafe in its own right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
Portfolio Recovery Associates LLC has violated all of my federally protected consumer credit rights. Pursuant to 15 USC 1692d, Portfolio Recovery Associates is threatening me via false debt collection letters, and also by reporting fraudulent consumer claims on my credit reports. The statue of limitations has expired on this account, and they are still harassing me for payment. Portfolio Recovery Associates LLC has tarnished and abused my reputation with their fraudulent consumer reporting tactics. 

Pursuant to 15 USC 1692c ( c ) 2, I am invoking my specified remedy as a consumer, and I am the Original Creditor. 

On XX/XX/2021 I sent them my Invoice for violations, Cease and Desist, Affidavit of Truth, and Exhibits via certified mail. They are attached in this complaint. 

I am currently waiting for their response/resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize. <br>XXXX XXXX XXXX XXXX XXXX XX/XX/2018<br> <br>XXXX-XXXX XX/XX/2018<br> <br>XXXX XXXX XX/XX/2018<br><br>XXXX XXXX XXXX XXXX XX/XX/2018<br>XXXX XXXX XXXX XX/XX/2018<br><br> I did NOT sign anything!!

These inquires need to be deleted from my credit reports as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20
Company: CITIBANK, N.A.
State: OR
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 took out a sears mastercard under a promotional offer. I rarely used the card. I made a {$25.00} purchase. I always pay my bills on the first of each month. Apparently this card had due date of XX/XX/XXXX. They posted the receipt of {$25.00} on XX/XX/XXXX. The following month I received a late fee of {$27.00}. I called in and requested the fee be waived and I closed the account. There was XXXX outstanding balance on the card. I assumed the card was closed and the fee was waived. The following month I received a bill for an additional {$41.00} fee. The total I now owe : according to sears : is {$68.00}. I called Sears and explained they had waived the fee and I had closed the account. Sears said they could waive the {$2700.00} fee ; but I still needed to pay the {$41.00} fee. I wrote a letter and explained the situation. I just received a response that stated " We received your request for a fee credit on your account. We are unable to credit your account for the late fee because it is valid. '' I am guessing : that the fee will continue to mount until I pay the fees.. This is a unfair practice. Sears received their money and I closed the account. I have no plan to pay any of their excessive fees. I will never purchase anything from sears, or citibank mastercard. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. XXXX Thank you, 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 monetary relief
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2019 I was alerted through my credit monitoring programs that my credit score had dropped significantly. When I went to check on the reason I discovered that my {$3000.00} XXXX XXXX XXXX card limit had decreased by {$2300.00} making it only a {$700.00}. This in turn jumped my debt to limit ratio to 97 % ( I owe {$660.00} ) which caused my score to drop over 40pts. I  accessed my online account for the card and saw nothing indicating a change. I opened my statements and saw it was still showing {$3000.00}. When I contacted the card company they said that on XX/XX/2019 they changed the limit and then on XX/XX/XXXX, sent a letter. The claim was that they occasionally receive information from the credit bureaus and then make changes without notifying their customers based on that information. When they were asked to fix the problem, I was informed that I would have to go through a full credit limit increase application allowing them to pull and place an inquiry on my credit report which is now 40pts lower due to their changes so now I won't qualify. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
You are currently reporting debt to my credit report {$200.00} and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. I am aware of a debt with XXXX XXXX XXXX XXXX  but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

With Regards,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 an unauthorized with drawl was made from our checking account in the amount of {$3000.00}. On XX/XX/XXXX we became aware of the problem and contacted XXXX XXXX. We were told that the money was electronically transferred to pay a XXXX 's credit card. We do not have a XXXX credit card. 
The bank said they needed a signed letter stating the transaction was unauthorized. The letter was written and mailed return receipt requested. At that time they said an affidavit form was also required and they would put a form in the mail. On the XX/XX/XXXX we called the bank and again was told we needed a signed letter which was written, signed and emailed to their email address. As of that date the required affidavit had still not been received. On XX/XX/XXXX we called again and then were told that the affidavit had not been mailed and they would send it that day. The problem is that there seems to be a 10 day window for them to take action and the affidavit may not be received in time to return it. They did confirm receipt of the emailed, signed notification. Every time we call we seem to get different information. They have frozen the account and we can not even pay our XXXX bills. I have written them another letter explaining in detail everything that has happened. No response. We are a retired couple living on our Social Security and this {$3000.00} represents almost two months income.

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 2020-10-09
Company: JPMORGAN CHASE & CO.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been disputing billing charges from Chase Cardmember Services ( an online credit card used by Amazon ) since XXXX of 2019. I had an Amazon gift card balance of {$290.00} in XXXX of 2019 and used it to purchase a variety of items. In XXXX or XXXX of 2019, Amazon had a promotional offer which was to get a {$70.00} gift card to switch from their card to a Chase Card. I took the offer. Perhaps the offer was not valid and Chase billed me for the items I purchased with that card. 
I started receiving bills from Chase in XXXX. Immediately, I wrote to them and informed them that the items were paid for with an Amazon gift card. They conducted some type of investigation, and informed me that the investigation proved that the charges were valid. I continued to dispute them and Chase claimed that they would continue their investigation. One by one, billing charges were  dropped. They informed me that they had made mistakes. I assumed that all their charges were mistakes, and that the matter was resolved. Unfortunately, that is not the case. Early this month I received a notice from them that they had done an investigation and found that I owed them {$14.00}. I wrote them a letter explaining that the bill had been paid and a cancelled check was sent as evidence. I also received another bill for {$75.00} with no explanation as to why the money was owed. 

I have no idea how to get this matter resolved.I have written ten letters to Chase Cardmember Services. My feeling is that their customer service department is incompetent. Chase has harassed me for over a year for {$120.00}. I do not owe them any money and would like them to stop sending me bills and information about their so called investigations. 


Any help you can provide would be appreciated. 


Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-01
Company: Equitable Acceptance Corp
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
-XXXX XXXX and I signed the submitted Financing Agreement for 48 Months on XX/XX/XXXX. After a brief correspondence I knew all dealings concerning the arrangement would be dealt with by Equitable Acceptance. 
- At no other time was I contacted by XXXX XXXX, only Equitable Acceptance ( resp. known now as XXXX and EA ), and then by  monthly surface mail. 
-Late XX/XX/XXXX I gave EA notification that I was unemployed at the time due to XXXX and doctor 's notice to take a leave of absence for recovery. I knew at the time that XX/XX/XXXX 's payment had to go through because it was short notice, but asked for a 6-month period of grace on further payments. 
-First, I received a repetitive response of staying committed to making the payments, regardless of my ongoing status, then I was put on hold for close to an hour waiting for a " supervisor '' to give me a response of any kind. 
-Finally I was assured that the company will not withdraw from my account until XX/XX/XXXX, at which time I would correspond with them and inform them of my current status. 
-Funds have been withdrawn from my account since XX/XX/XXXX to the tune of {$270.00} ( {$39.00} a month ). I had contacted my financial institution ( XXXX XXXX XXXX ) to put a stoploss on the acct, but was informed they were unable to do so because banking information on the company 's end was not accessible. 
-Since then, I received correspondence by mail as well as by telephone from XXXX XXXX. Their claim was to file with them for recertification, a process which I was not aware of nor considered how important it was concerning my loan status. 
-It was at this point I was looking for a way to cancel this entire process. Not until I had received correspondence from XXXX concerning payment due did I come to realize all of my correspondence and transactions were with a company of reputable or credible standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have called TransUnion and written disputing these fraud accounts on my credit report and let them know over and over that these accounts do not belong to me. I have sent police reports, ID, FTC report, and all the required documents asked of me with no assistance. The accounts from XXXX   XXXX/XXXX/XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX are fraud accounts and do not belong to me!!!!!! There is variations of my name listed which I sent my ID to have this corrected and they did nothing. My name is XXXX XXXX this is the only name I have ever been given. There are also one inquiry where someone attempted to get a card in my name from 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 2017-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We have a GM Card serviced by Capital One. Our last payment due date was XX/XX/XXXX. We set up a payment in full on our XXXX XXXX bill pay for XX/XX/XXXX, and according to bill pay, the payment was mailed in time to be received XX/XX/XXXX. We noticed that the payment had not been taken from our checking account as of the XX/XX/XXXX, logged in to Capital One on XX/XX/XXXX, and saw that a late fee had been charged. We called Capital One on XX/XX/XXXX, and they told us they had not received our payment. We talked to a supervisor, and she suggested that we should make sure our payment is received 5 to 7 days before the due date. That was her only advice. She did reverse the late fee. On XX/XX/XXXX, we received an email from Capital One that they still had not received our payment. As of XX/XX/XXXX, they have charged interest on the account balance. We called XXXX XXXX, which is our checking account, the evening of XX/XX/XXXX, and they asked us if the address had changed. We looked at our statement, and sure enough, the address had changed. XXXX XXXX put a stop payment on the check, and we went on XXXX XXXXs website to make the payment. It processed on XX/XX/XXXX. There is no notice anywhere on the statement to make it obvious that the address is different, and since we use bill pay, we didnt notice the change. We have had a GM Card for almost 30 years, and this is the first time in all that time that the address has changed, and I would call that a big deal. So our complaint is that, 1 ) there should have been a big notice on the bill that the address is different, and 2 ) when we called Capital One, that should have been the first thing they said, hey, weve got a new address. 
We had a similar issue with them last XX/XX/XXXX. Two months in a row, we called Capital One because they had not processed our payment on time and slapped us with a late fee. They had issued us new cards because of fraudulent activity, and we forgot to update our account number in bill pay. They could have nicely said, hey, update your credit card number in bill pay, but they didnt. It wasnt until we filed a complaint with you, and they filed their response, that we saw our mistake. I dont think they would have ever said anything to us about what was causing the problem if we hadnt filed the complaint. 
They dont try to help solve the problem. We cant help but feel that they dont want to point out our errors, so they can collect late fees and interest on their customers. 
We have credit cards with several companies, and this is the only company that we have ever had issues with. And I would also add that until Capital One took over the GM Card, we never had a problem with this card either.

Company response to consumer: Closed with explanation