BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-14
Company: BARCLAYS BANK DELAWARE
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is not a problem for me personally, but XXXX XXXX XXXX Credit Card recently announced the roll-our of an incentive program called XXXX XXXX  to allow people to round up their purchases to earn miles. Clearly, looking at the math, this is not a great deal which seems to try to target consumers and encourage them to believe that they will get something of tangible value while incurring additional debt ( ie, exchanging real money for fake money ) in way that could add up substantially over the course of a year without giving them anything of real value in exchange. See the link below XXXX XXXX XXXX This is something you should consider regulating and forcing the company to provide an honest disclosure of the value of these miles. As airlines often arbitrarily decide that miles will be revalued or re-price flights in miles ( which can expire ) - how does a consumer really know what the actual value of what they are purchasing is? And, if they rounded up their purchases, shouldnt they be entitled to know how fast that can accrue. It seems like a pretty deceptive practice which should be discouraged.

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 2022-07-20
Company: EQUIFAX, 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:
On XX/XX/2022 i sent Equifax a complaint letter certified mail, which i was notified when they received it. It has been almost 30 days and the items still remain on my report and I have not received a response from Equifax. Equifax is in violation pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft within 4 business day upon receiving all necessary documents which i have attached to this complaint along with the complaint that was mailed to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

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

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 2022-07-20
Company: EQUIFAX, INC.
State: TX
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 XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX try to inform you that I am a victim of identity theft and I complain to question particular accounts in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud : XXXXXXXX  XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$800.00} XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$390.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX  XXXX Balance : {$98.00} XXXX  XXXX Balance : {$45.00} XXXX  XXXX Balance : {$45.00} XXXX  XXXX Balance : {$94.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Experian Information Solutions 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:
Disputed information with Experian several times and still has incorrect info. Unfrozen credit file even after 2 letters for deletion.

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 2019-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im filing this complaint against Portfolio Recovery Associates, LLC, because I have been disputing 2 negative items on my credit file since 2018. Portfolio Recovery Associates, LLC, is reporting I owe them for 2 accounts in the amount of {$840.00} and {$1100.00}. Ive been disputing the account in the amount of {$840.00} since XX/XX/2018 and {$1100.00} since XX/XX/2018, directly with Portfolio Recovery Associates, LLC, in addition to all 3 credit bureaus. In these disputes Ive consistently requested validation of these debts, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have consistently requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these debts. As of today, I still have not received lawful evidence that this debt belongs to me. In its place, Portfolio Recovery Associates, LLC, has consistently sent me bills and letters from what appears to be the original creditor XXXX XXXX. Which, again is not lawful evidence that this debt belongs to me, and violates FCRA & FDCPA. As per FTC opinion letter a printout of a bill or itemized document does not constitute verification. In addition, to them sending me bills and letters from XXXX XXXX theyve sent me letters stating the accounts were sold, assigned, and transferred to them from XXXX, XXXX. Whom provided them with an electronic file of its business records concerning the accounts. With that being said there should be competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these debts. Which, again they have failed to send me. These negative items on my credit reports ( including XXXX, XXXX and XXXX ) from Portfolio Recovery Associates, LLC for a debt I dont owe, is a violation of the FCRA & FDCPA ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete these entries. These negative reportings are harming my credit file, and hurting me financially. As this has caused denial of credit, higher interest rates, higher insurance payments, all due to these items lowering my credit score. With this complaint Ive included some of my dispute letters and the letters Ive received from Portfolio Recovery Associates, LLC, along with what they consider validation of debt. Ive only included some of the most recent letters due to file size limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX  XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

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

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 2022-07-20
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Well Fargo sold my condo and I want home equity money.

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 2023-08-07
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Initial claim against PNC filled on XX/XX/XXXX. 

XX/XX/XXXX - PNC called asking us to make a payment. Since we no longer have access to any of our old accounts, we requested a full detail of deposits and withdrawals. 

XX/XX/XXXX - received documents of all past accounts with balances only. No details provided regarding all of the deposits from our employment direct deposits over the last few months. Therefore, we have no way to verify the exact amount left on our account. 

XXXX - XXXX ( needed to make work arrangements to arrive late due to PNC employee regular schedule of office hours XXXX - XXXX, M-F ). Set up appointment to talk to XXXX XXXX, PNC executive client relations. At XXXX am, " XXXX '' called, stating XXXX had phone trouble. We were told we would need to make another appointment if we wanted to talk to XXXX. 

" XXXX '' stated PNC would not remove any type of hold or negative denotation until we paid $ XXXX they are stating we owe. She stated PNC will not do anything further regarding how the employee/teller accepted, cashed, deposited, and cleared our check twice without proper endorsement ( XXXX ). 

PNC is not taking any responsibility for wrong actions taken by it's employees. These actions are the ONLY reason any of this happened in the first place. PNC is also not providing details of our account deposits. We, the consumer, are the only party involved in this situation sufferings any consequences. Our credit scores have dropped over 200 points, we had to max out all of our credit cards, we lost car insurance, we can not open a bank account at any other bank, we are being reported as frauds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
XXXX accordance with the fair credit reporting act CAPITOL ONE late payments and XXXX 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 XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U C S 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus last XXXX XXXX, 2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX  XXXX XXXX Balance : {$38.00} ; XXXX  XXXX XXXX Balance : {$690.00}

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 2018-05-17
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
The company states 4-5 business days and 7-10 business days ( depending on working holidays ) for transactions to complete. They state this time frame is due to the bank, not them personally. I purchased onXX/XX/XXXX. It almost immediately showed up as a pending transactions. It completed posting on the XX/XX/XXXX. 

At the latest, my funds should have been available on the XX/XX/XXXX. To this day, the digital currency is still being held and I'm unable to access or transfer it. 

I've reached out to the company 's email and phone. They claim a " specialist '' will contact me but never do and there is absolutely no timeline for when they will. It seems like they're mocking the fact they are holding my funds for no reason and there's nothing I can do about it. It's unbelievable. 

I've completed all forms of verification, including sending the front and back of my ID. I completed the instant bank verification. I even completed a smaller transaction during this waiting timeframe and it's cleared just fine. They completely refuse to help. Can you assist me please?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Transunion Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commission 's IdentityTheft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide with the exact source where you received such information, so I may take appropriate legal action

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 2019-08-21
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir : I am writing to you out of desperation. On XXXX of this year, the company XXXX, the company name for Shell Point Mortgage purchased my mortgage from now defunct XXXX. The only problem is that I was not informed of the change until XXXX. I received my formal welcome in XXXX after one employee did admit that there were multiple issues with the welcome letters due to the volume of now mortgages. I made my payment on time to XXXX in XXXX and proved to Shell Point with a bank receipt that I did so.Shell Point is insisting that XXXX send it back but can provide no proof that they did. Instead they are forcing me to provide multiple month statements of my bank records as if I did something wrong. I do not have anything to hide but I do believe that my privacy overrules the companies lack of evidence and acting like a bully. I am not applying for a mortgage but the company is insisting that I must provide more information. In the months that followed, My credit rating was demolished and attempts to purchase other rental properties were unsuccessful due to my new low rating. I made multiple attempts to contact XXXX XXXX with both phone calls and emails and the results were not positive. Multiple robocalls, with some on vacation even though I did not release my phone and in XXXX instance I was threatened by a by a XXXX XXXX to hold my credit rating hostage until I provide this information.I sent an email pleading that I am not a litigious person and wished to only to correct my credit rating and ask for a copy of the receipt from XXXX showing that they returned my XXXX payment. I have talked to two different lawyers that all agree that your company is treating me unfairly but that the legal costs would out-way correcting this issue. My request is simple, could they please review their company 's actions, send a copy of the returned payment from XXXX, and repair my credit rating.I am at my end

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: KEYCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Key Bank absorbed   XXXX   XXXX   XXXX   in  XXXX  of  2016 . At that time I had  XXXX  in my account as I was n't sure how the merger would work out. Apparently there was a mystery charge of  XXXX  to my account ( which I hadn ; t used as I was moving to Ohi o ),  This caused my account to be overdrawn. No notice was sent. When I mentioned this to the bank  officer  at the branch, I was given a run a round and a  XXXX  # to executive customer service. That was a fax number. After several calls I got the right number.  XXXX   XXXX  told me that this charge would be dropped.   I used check and it passed through ( funds were in the account ) but another bounce fee attached. I called the  XXXX   XXXX  again and after another runaround she agreed that the fee would be waived. It never was. As I stopped using the account over this-they continued to assess fees and now they have closed the account and are trying to collect the charges they assessed in error as " money that I owe them ''. Now the last 7 times I have called  XXXX   XXXX  is never in the office or can not come to the phone. Always she is going to call me and she never did. This has been going on since  XXXX   2016 .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I value your help to DELETE some accounts from my credit report that transpired because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00}

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 2022-07-20
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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