BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX, XXXX, and Experian are inaccurately showing that several of my accounts are 30, 60, 90,  and/or 120 days late on my credit report. The following accounts are inaccurately reporting late : XXXX XXXX XXXX XXXX  - Date XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX/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 2018-01-31
Company: PRESTIGE FINANCIAL SERVICES INC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I've been with this thieving company since 2013. Bad credit and a BK forced me to take their unconscionable terms for a car. The rate is abhorrent - they have only credited {$3500.00} of a {$16000.00} balance in 5 years. These people are vampires. I'm not even a month late and now they're back to the threatening tactics. I want this company to lose their license to make auto loans. They prey on people. It's disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: U.S. BANCORP
State: IN
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:
On XX/XX/19, I used my US Bank Visa to purchase online a CPR class in XXXX for {$75.00} from XXXX, XXXX. The class was scheduled in-person on XX/XX/XXXX. On XX/XX/XXXX, I cancelled the class for which I have a confirmation email. XXXX XXXX of XXXX assured me I would receive a {$75.00} refund. The last week of XXXX, I received my Visa statement showing the charge but not the credit. I filed a dispute. and spoke with XXXX again when she called to assure me she had processed the refund. 

On XX/XX/19, I received a VISA dispute letter stating XXXX refused to refund me since I attended class and received CPR certification. They finally requested my documentation, which I sent today. On XX/XX/19, I called XXXX to inform her of the situation. She sent me the electronic notice she received from XXXX about the dispute, stating the {$75.00} is being withdrawn from her deposit. Apparently this occurred. I read the VISA dispute summary to her and sent it to her. We agreed it is full of lies. Now, this seems like banking credit fraud. We are giving up time and resources when it should be already settled.

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 2018-04-27
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I would like to submit a complaint against ( Louisiana Recovery Services )  regarding unknown medical account ( s ) ( XXXX ) ( {$140.00} ) and ( XXXX ) ( {$140.00} ) reporting on my credit files. I mailed ( Louisiana Recovery Services ) a  certified, registered and tracked letter via the United Stated Postal Services on  XX/XX/XXXX requesting validation of the account ( s ) ( Louisiana Recovery Services ) was reporting on my credit report ( s ). ( Louisiana Recovery Services ) has not  responded to my letter requesting debt validation. Therefore, I contacted the original creditors listed on my credit report ( s ) that ( Louisiana Recovery Services ) claimed to be collecting for. The original creditor ( s ) I spoke with stated I did not have any outstanding account ( s ) /debt ( s ) and that XXXX had paid all account ( s ) /bills. Additionally, the original creditors stated the account ( s ) I was inquiring about were well over six to seven years old. Which means the account ( s ) ( Louisiana Recovery Services ) were attempting to collect are also time-barred and obsolete for collections and/or reporting per the Fair Debt Collections Practices Act and the Fair Credit Reporting Act. Upon learning this, I contacted the XXXX office to find out how to file a complaint of fraud against ( Louisiana Recovery Services ) for  attempting to defraud me a senior citizen and XXXX. ( Louisiana Recovery Services ) have violated several state laws, FDCPA and FCRA.

These erroneous entries by ( Louisiana Recovery Services ) are detrimental to my overall credit rating and has caused me severe financial and emotional distress and anxiety, which are exacerbating and aggravating my current medical issues. I will pursue the enforcements of my constitutional rights via all legal remedies available.

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 2020-02-08
Company: AES/PHEAA
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: Old information reappears or never goes away

Complaint:
US DEPT OF EDUCATION/XX/XX/XXXX .. XX/XX/XXXX = Closed .. Balance = {$0.00} .. Monthly payment = {$0.00} ... Current Payment Status = 120 DAYS LATE ... .. I began serious work on my credit file in XXXX. My first step was to consolidate my student loans. The Dept of Ed happily closed all of my accounts and transferred the balances to a single FedLoan Servicing account. After much work, I brought my scores up into the mid and high 600 's by XX/XX/XXXX ... I was preparing for the day my mother passed away and HUD foreclosed on the reverse mortgage, also known as my family 's home. My mother passed on XX/XX/XXXX. Foreclosure was set to began 6 months later ( the first week of XX/XX/XXXX ) ... I wasn't prepared for the amount of points I lost when my mothers accounts were removed from my credit files. I frantically pushed my numbers as fast and as far as I could until late XXXX. I then began the process of purchasing a place for us to live, knowing my options would be limited but time was quickly running out. I finally found a lender that would accept me and just as we were about to sign, during the first week in XXXX, the entry shown above posted at the bureaus ... I lost an average of 63 points and with it any chance of securing the loan I desperately need before HUD lays claim to our home ... I had successfully disputed this account last year. The notation was removed and the status was changed. It reappeared, again. ... This entry has destroyed my life. I see now that it has refreshed at the beginning of the year every year since the account was closed. I have been permanently marked delinquent. Lenders laugh at me ... Reporting an account that has a {$0.00} balance as late is beyond  irresponsible in this arena. The bureaus should have questioned this entry automatically instead of blindly letting it stand, so I blame them too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
XXXX removed the kohls / capital one account but it still shows on XXXX and XXXX and should be removed in full! This is a violation of the fcra and who ever does not remove the account will be sued in court

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
In violation of the Fair Credit Reporting Act ( FCRA ) Experian gave itself the right to edit my requested personal statement to reflect Experians own personal biased and retaliatory Statement to cause me more imminent irreparable damages. I attached two photos from a related legal file to be used in court of law. The two photos show the above undeniable fact about Experian violation of the FCRA .today isXX/XX/2019, Experian not only is taking over 30 days or about a month and half to delete the wrong already disputed before collection about the same thing alleged over and over by XXXX and/or XXXX hired collection companies within Experian who deleted that alleged thing before and in many times, but now Experian is engaging now in clear fraud against my information by stating information that does not represent me and I never consent to it. I challenge Experian to bring one single convincing evidence that the statement appearing on my credit report with Experian as shown on the photos is my statement exactly as I requested. 


Experian stop your fraudulent transactions against my information. You will be sued and rights reserved to Do so at any time without notice until you receive a summon. 



All stated herein is to the complainant current states belief, knowledge and understanding and it is all subject to anything or any change or any correction by him only at any time without any notice and without waiving his rights. 



Thank you, XX/XX/2019 The complainant

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 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2020-04-29
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I in the past used the XXXX app as an additional savings program. At some point months ago, Pnc decided that they would no longer allow access. I have contacted Pnc to help with this issue and in essence got the sorry not sorry response via social media ( the only way I actually got a response ). 
They have inhibited me from accessing my funds in the way that I choose. I have attempted to log in with a in place security measures and still am not being granted access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXXt # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2018-04-27
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Pentagon Federal Credit Union is involved in a bait and switch with veterans credit cards in relation to cash advances. They roll over cash advances and then when you go to pay instead of paying the highest rate first as they advertise they have an algorithm that partitions the payment so you never pay the lowest rate completely. Their poor customer service folks have no clue what they are doing because it was designed in the high office in collusion with IT to make it innocuous. But they are stealing from the veterans they have pledged to protect and it is offensive!

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 2021-10-18
Company: Atlanticus Services Corporation
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:
These accounts don't belong to me. Please remove them form 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/FORTIVA Account Number : XXXX This is not mine. 

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

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

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

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

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

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

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

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

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

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: PNC Bank N.A.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I need to report any negative report that XXXX XXXX XXXX might have provided to my credit also i was Getting BBVA erased from my credit with late payment when they force placed on my trucking during my time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: JPMORGAN CHASE & CO.
State: AZ
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:
I have spent the last month in and out of the hospital with a XXXX illness. Thus, I have not been checking all of my accounts daily, as usual. Yesterday, after I was released, I checked my Chase Bank account online and was horrified to discover that I was nearly {$700.00} overdrawn!! It appeared that the overdraft was entirely due to three unauthorized charges. There was a charge of {$39.00} from XXXX dated XX/XX/2019. I do know this company. They are a subscription box company with whom I have an annual subscription. The amount of the subscription is {$170.00}. I was also charged that amount of the same date. For some unknown reason, I was also charged {$39.00}, the price of a single box ( the box ships quarterly ) that same day. I tried to contact the company via email and telephone on XX/XX/2019. I have not received a response. The second two charges were from a company called XXXX. I  have absolutely no relationship with this company, which appears to be another subscription company involving clothing. On XX/XX/2019, I was billed {$40.00} and on XX/XX/2019, I was billed another {$300.00}. Again, I tried to phone the company and also sent an email. No response has been received. Today, XX/XX/2019, I called Chase Bank around XXXX XXXX., P.S.T. Since I have been a client, Chase has had to clear up numerous disputes on my behalf. Unfortunately, I have been dealing with serious identity theft issues for the last five years and have been desperately trying to receive a new Social Security Number. Thankfully, Chase has been nothing but helpful with these unauthorized charges. They always issue a provisional fee within 24 hours and remove all the overdraft fees incurred by putting these charges through. Today, however, I spoke to a woman ( name unknown ) who refused to issue a provisional credit for any of the three items. When I asked why, she stated that since I did not report these charges on the day they posted to my account, she could and would open an investigation. I replied that I had never heard of that policy and explained that I had been hospitalized. She was unmoved and again stated that this was not Chase 's problem. I told the woman that if that was the case, I was going to be forced to switch banks since this new policy basically offered no protection whatsoever to their clients. Her response was " fine '' and a hang up. I am supposed to be resting and not dealing with stress as per my doctors at the XXXX XXXX. Instead, I am horrified at the sheer amount of overdue payment notices I now have to pay and wondering how I will make it through the next week as far as food, transportation to doctor appointments, etc. until I receive a XXXX payment near the end of next week. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-17
Company: EQUIFAX, INC.
State: MO
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 filing this complaint due to no course of action being taken by the following XXXX, Equifax, and XXXX. These accounts do not belong to me. These accounts are fraudulent. I have filed a complaint multiple times and have not been formally notified to a resolution to the accounts listed below. I am requesting that these accounts be removed from all three reports immediately. If these accounts are n't removed in a timely manor I will take further action against the credit reporting agencies. 

XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$1200.00} Terms : High Balance : Limit : Past Due : Payment Status : Unpaid XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : {$340.00} Date Opened : XX/XX/XXXX Balance : {$8400.00} Terms : 64 Months High Balance : {$6900.00} Limit : Past Due : {$8000.00} {$8000.00} Payment Status : Charge-off XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : {$63.00} Date Opened : XX/XX/XXXX Balance : {$560.00} Terms : 9 Months High Balance : {$560.00} Limit : Past Due : {$700.00} Payment Status : Charge-off I also, noticed that the last payments have not been deleted on my student loans. I am also, going to file a formal complaint if this is not handled appropriately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions Inc.
State: WA
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  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late and also reporting a collection/chargeoff I the amount of {$5200.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a XXXX dollar balance. This false reporting of not only lates but a collection/chargeoff on an account with no outstanding balance, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the 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 2018-04-27
Company: EQUIFAX, INC.
State: TN
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 is not a joke, XXXX XXXX has used my dispute against me and is trying to shake me down for money, and has now doubled my balance owed in just one month and now is reporting late payments every month. Back in XX/XX/XXXX, I contacted XXXX XXXX to let them know about their reporting issues on my personal credit reports was inaccurate- and they said they would investigate ; but instead they contacted the credit bureaus and told them I owed DOUBLE the original amount!!, and that I needed to pay or " handle this matter '' ASAP!! This really happened and I can't imagine how many laws were broken in trying to shake me down. XXXX XXXX is now reporting a balance of {$6600.00} on a loan they state I personally received in 2011 for {$3400.00}. I couldn't believe it so I reached out further, and their ( XXXX ) only answer was to state that they sent me an " identify theft package '' to help me. XXXX is the one who is using my identity incorrectly!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Theyve called me Everyday 7 8 times a day starting the beginning of XX/XX/2019. XXXX after me asking them repeatedly every day, to not call my phone before XXXX.

Company response to consumer: Closed with explanation