BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent PORTFOLIO RECOVERY a letter asking them to verify this account belongs to me. They sent me old XXXX XXXX statements. THIS is not what I ask for. I want the Original contract from me and XXXX XXXX with my signture etc. If they can not give me this, please removed the account OFF my credit reports ASAP. I sent many letters and they have yet to provide proof. 

PORTFOLIO RECOVERY # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : DEBT BUYER Balance : {$4000.00} Date Updated : XX/XX/XXXX Original Amount : {$4000.00} Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Banking ) Past Due : {$4000.00} Pay Status : >In Collection<

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, 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:
THIS IS MY 2ND ATTEMPT. IM INTERESTED IN DISPUTING ALL INVALID DATA THAT IS HINDERING MY FILE FROM BEING 100ACCURATE. PLEASE REVIEW AN DELETE ALL DATA SUBMITTED ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: CITIBANK, N.A.
State: CA
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:
Citibank Mastercard accepted my payments over the phone from my bank accounts, but did not credit them in a reasonable period -- even though my bank informed me that the money had been paid immediately to Citibank. During XXXX I made 2 large payments ; Citibank told me that I had to wait 2 weeks ( until XX/XX/XXXX ) for the payment to go through, even though they had received the money immediately. I was denied credit at several places of business and my utility bills were not paid either via the Citibank credit card as well. This was dishonest, unethical and unfair on Citibank 's part. They were taking advantage of the situation and could easily have checked to see if a deposit was made -- but instead, kept my money without crediting it for weeks.

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 2020-01-22
Company: ALLY FINANCIAL INC.
State: VA
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:
In regards to Complaint ID, XXXX. 
Ally Financial provided false information to the CFPB. They have refused to fix the error made by their company, and to add insult to injury, they are providing invalid information to a government agency created to protect consumers. I have been dealing with this issue for four months, and the emotional impact to my family is rising. 
In response to your final response Ally sent to me on XX/XX/XXXX. 
First, I made multiple calls to Ally in XX/XX/XXXX. This is in regards to the call made XX/XX/XXXX, at around XXXX ET.You all know this is the case, because I have requested this call be pulled multiple times. I also attached a copy of my cell phone record to this complaint validating my claim. Also, I asked for my payment options, and was offered a skipped payment by an Ally representative. She offered that to me, and you all need to own up to your mistakes and complete lack of staff training. The lady offered me a skipped payment for XXXX, as long as a {$130.00} payment was made to the account. I specifically asked about the impact on my credit report, and she reassured me multiple times that everything will be fine. I mentioned this at least three times on the call, and she assured me that my next payment will be due in XXXX. She made an offer to me and I accepted. That offer was a skipped payment with no negative credit impact. 
I have spoken to a total of four supervisors, and they have all admitted fault and validated my concerns. Are you calling your supervisors liars? 
Ally I am fulfilling my contract, and you guys are in breach of yours. You have lied to me multiple times and falsified findings to benefit the company. This is unacceptable and I hope there will be Justice. The company needs to be held liable for the amount of stress, pain, and distress they have inflicted on my family. 
I also attached an audio recording from a conversation with a supervisor validating my story and admitting agents fault. The call has been pulled by multiple supervisors and you all insist on making invalid claims and refuse to be accountable for your errors. CFPB please help me and I hope justice is served. XXXX XXXX is a veteran, and I am a working class mother of XXXX. We are doing our best to recover from hard times, and with one error, Ally took us back to square one. We refuse to accept their negligence.

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 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The company will not remove late payment from my report and I have communicated that the information is reporting inaccurately on all of my reports. When my card was lost in XXXX the bank issued another card. The company continues to report the payment history from that card as if it is still open. The company opened a new tradeline and made my age of the card appear newer and also reported the old payment history and new payment history. The account is being reported twice and needs to be corrected.

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 2021-10-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: EQUIFAX, 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:
my name is XXXX XXXX there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Bread Financial Holdings, Inc.
State: PA
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft COMENITYCB/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/ This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/ This is not mine. 

6. Identity Theft COMENITY BANK/XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
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 a victim of Identity theft and I have reported fraudulent accounts to Transunion, to remove account. I have provided copies of my US Identification, social security card, FTC report and Police 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 2020-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back in 2016, I discovered my son 's father had being using my credit card and putting it back into my wallet. I had no idea about the transaction until I went to make a purchase and the card was declined at a store. I contacted Capital One and told them those purchase were not mine and that it was a possibility that based on the type of charge and the time that my former boyfriend was using my card. During that time those purchases were made I was at work and there is no way that I could make those purchases. They told me I couldn't dispute any of the charges, because I knew the person who did it. Then they took me to court to sue me causing the bank to freeze all of my bank accounts. I finally got my accounts unfrozen, but this is a permanent stain on my credit report. Is there anything I can do about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
On XX/XX/XXXX, I made a payment to American Express in the amount of {$3700.00} for my corporate American Express card via XXXX XXXX online Bill Pay. However, the payment never posted to my account. After months of calling both American Express and XXXX XXXX, as well as, 3 failed Dispute filings, Im writing to engage both companies more formally and enlist support from agencies whose purpose it is to help protect consumers like me. American Express has held thousands of my dollars for 3 months claiming that it has not received my payment despite the fact that I have provided proof showing that the money has been sent. I dont know where American Express put my payment, but I want my payment immediately credited to my account permanently. Ive provided the XXXX XXXX proof of payment to American Express several times in the past 3 months. Additionally, on or about XX/XX/XXXX, a call took place that included an American Express representative, a XXXX XXXX representative, and me. During this call, the XXXX XXXX representative provided to the American Express representative the full American Express account number to which the payment was sent. XXXX XXXX has been unwilling to share the number with me due to privacy issues. Unfortunately, that call was disconnected before the American Express representative confirmed that she had found and applied the credit appropriately to my account. Despite that call and my 2 other dispute filing, American Express has failed to properly credit my account. Please check the recorded phone records for the full American Express account number that XXXX XXXX provided as the account to which the payment was made. Please also look for accounts under my maiden name. 

American Express closed my CFPB complaint claiming they don't have enough information to find my money. That is not true. They just are not using their own systems ( recording ) or business relationship with XXXX XXXX to get it. I do not have the American Express account number where the payment was applied. I just know it was not my account. XXXX XXXX would not provide me the information due to privacy reason. However, XXXX XXXX provided that account number to American Express. American Express needs to listen to their recordings or ask XXXX XXXX for the account number. I've provided American Express the XXXX XXXX payment confirmation number, which is XXXX. That is all that XXXX XXXX needs to again find the American Express account number to which my payment was applied and give it to American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
investigation took more than 30 days i am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ) have failed to remove information that affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and a outright refusing to uphold the law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX while reviewing my credit report I discovered on my XXXX  report that Portfolio Recovery Collections services reported to the credit bureau as of XX/XX/XXXX there is an outstanding XXXX  XXXX Balance in the amount of XXXX. 

On XX/XX/XXXX I reached out to Portfolio Recovery and spoke with a representative by the name of XXXX. According to this representative she said on XX/XX/XXXX an credit account with XXXX XXXX was opened however in XXXX XXXX the account was closed. 

I advised this representative that I did not have any open accounts with XXXX  XXXX back in XXXX and that this was fraud - nor did I ever receive any correspondence from this debt collection agency to have this matter investigated and appropriately addressed. On or about XX/XX/XXXX I opened a credit line with XXXX XXXX and then I opened a second account with this same company in XX/XX/XXXX. In XX/XX/XXXX I no longer utilized XXXX XXXX services and had both accounts closed with no remaining balance - this company also followed up with me and sent me two letters in the mail acknowledging that both account were successfully closed with no additional outstanding balances. 

According to the representative ( XXXX ) at Portfolio Recovery after informing her that this debt collection was a result of identity theft / fraud she would on my behalf submit a dispute to the credit bureau and have it submitted as ( fraud / identity theft. I was then advised again by XXXX that she would be sending me a fraud package in the mail to complete so an active investigation could be conducted. 

I am submitting this claim to the best of my ability that the information enclosed is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/XXXXthe company I work for - their payroll service ( XX/XX/XXXX) was hacked into and I was told to check my accounts including my credit accounts and activity. I checked XX/XX/XXXX and saw an unfamiliar inquiry on my account - XXXX  a store that I do not shop at. I am on the phone now with Capital one who services this stores credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Overdraft fee each item

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 2021-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
As of 2 weeks ago. My account was charged {$200.00} by an ATM. I never received said {$200.00}. The ATM said my account was not charged but it was. I then contacted Bank of America and they said they would look into it. A few days later my account was closed by the state of Nevada. I then contacted the state of Nevada unemployment. I sent off what documents I had to. Bank of America has also sent off what documents they had to according to them. Yet my account is still closed.

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 2017-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Roughly around XXXX 2016 Transunion had a glitch in their system which removed all of my inquiries! And the were re add back without written notification 5 days prior to re adding them! I know my rights and I would appreciate if you will help me enforce these rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently received a copy of my 3 Bureau Credit Reports in the mail dated XX/XX/2022. After reviewing all three Credit Reports with TransUnion, XXXX, & XXXX I noticed several fraudulent inquiries appearing on my credit report that I do not recognize. I have not applied for credit for quite some time. I noticed a total of XXXX inquiries that may be connected to fraud. 

I did some research online on how to take care of these fraudulent inquiries, and then I saw some XXXX XXXX XXXX explaining how to fill out an FTC ID Theft Report. I submitted the FTC ID Theft Report back on XX/XX/2022. Please see the attached report for your review. These fraudulent inquiries are not mine are having a major detrimental impact on my ability to borrow.

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 2020-01-22
Company: Experian Information Solutions Inc.
State: NE
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 Experian and XXXX are reporting incorrectly a collection in the amount of {$2300.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was originally with XXXX XXXX. The money borrowed on the credit card had a term of ( 12 ) months at 0 % interest. I was making the required monthly payments on-time. XXXX XXXX did not honor the terms of the agreement and started to charge interest prior to the expiration of the promotional period. I was continuing to make the monthly payments without knowing that the payments that were being made fell short of the monthly amount due. I was never notified that XXXX XXXX had started to charge interest ( prematurely ) and that the monthly payments had changed. It came to my attention that this account went to collection when I obtained a recent copy of my credit report. This account has since been paid and should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2021-01-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
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:
Information company. Has is false also claim for damages against me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: SinglePoint GI
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent 2 letters requesting original documents in regards to me allowing them to have my information but instead I keep getting answers that they have validated my debt in which I have nothing received anything in writing. They have provided no paperwork or original instruments stating I owe the debt nor can they provide any signatures in reference to me agreeing that I owe them for any products or services.

Company response to consumer: Closed with explanation