BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Portfolio Recovery Associates, XXXX, XXXX, and XXXX Thank you for sending me your internal records of the debt, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is grounds for deletion. How could this happen? are you being prejudice towards mr and trying to deny me credit in the future?. 
I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: CA
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:
Someone Inquire XXXX credit card without in my knowledge on XXXX-2023 report by Experian.Request to remove inquiry.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2023-06-14
Company: ARC Management Group, LLC
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:
On XX/XX/XXXX I was notified by XXXX that a collections account had been placed on my report. The collections company was listed as ARC Management Group LLC and the creditor information was listed as XXXX purchased business ( see attached ). It states that this is a medical creditor but does not include any contact details regarding the creditor. I immediately disputed this information with XXXX as I had NEVER received ANY communication from ARC Management Group and am unaware of any outstanding medical bills. XXXX responded to my dispute by stating that the information was 'verified as accurate and updated ( see attached ). I called XXXX to request a copy of the information that was submitted to them as proof to verify the debt as accurate and the operator was unable to offer any information other than letting me know I should contact ARC Management Group directly at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( see notes from XXXX ) XXXX I sent a certified letter to ARC on XX/XX/XXXX requesting verification of the debt. I also tried calling them at the number given to me by XXXX and was not able to speak with a live operator. The letter requesting additional information ( copy attached ) was delivered to the front desk receptionist and signed for at XXXX on XX/XX/XXXX ( see attached delivery confirmation ). As of today 's date ( XX/XX/XXXX ) I have yet to receive ANY response to my letter or communication. However, on XX/XX/XXXX, I received the original letter back in the mail marked 'Return to Sender ' ( see attached photo ). So, after having the letter in their possession for over a month, they not only failed to contact me regarding my request for debt validation, they decided to reseal the letter and return it to me as if it had never been in their possession. This company is very obviously not afraid to lie and commit fraud. ARC Management Group LLC never sent me a notice of debt prior to reporting to the credit bureau and has falsely returned my letter as if they never received it rather than send me the proper notice of debt and documentation regarding the validity of this collections account on my credit agency report ( XXXX ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: DISCOVER BANK
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I had a Discover card account open under my name which was closed, and the real account was also compromised with charges being made that were not mine, Discover initially investigated and set up a new account for me but a year later I was charged for a item from the prior account after I had notified them that some charges that they had removed were actually mine they kind it would be a matter of a few days until it was rectified, and I would receive a credit and my account balance would be corrected. I was also informed that it would not be reported as late or delinquent to the credit bureau yet I see it reported on my credit record. I notified them and ask them to rectify this and as of yet it has not been. Its been more than two months since Ive been working with them, and each time I call, I am giving different explanations in different timelines. Please assist in this matter again this is a long term repercussion after identity theft and I feel frustrated and trying to resolve this on my own with such results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian is improperly sharing my credit report after receiving the police report that I am a victim of identity theft. Furthermore, they will no longer give me online access so I can monitor any further credit inquiries on my account.

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 2023-09-22
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX sent out dispute letters/call to speak to XXXX XXXX was told what to XXXX in XX/XX/XXXX I sent out dispute letters to all 3 credit bureaus XX/XX/XXXX I sent out letters to dispute all 3 credit bureaus Today is XX/XX/XXXX no reply for the letters sent to all 3 bureaus

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 2019-02-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to Equifax they reinvestigated my disputes the errors I discovered on my report filed by them. If they had reinvestigated they would have known that in XX/XX/XXXXthe followkng occurred : 1. XXXX Bank account was paid in full with current status balance XXXX. 
2. XXXX XXXX  Bank account was paid in full with current status balance XXXX. 3
. XXXX XXXX  Bank account was paid in full with current status balance XXXX.

4. My address is still being reported in error by reporting an undeliverable mail post office box in my file.

5. My name is reported incorrectly their should only be a first name and last name.

6. My social security number should not be visible on my report for anyone to see The above items should be deleted because several attempts have been made for Equifax to correct and have purposely reported incorrect or updated information repeatedly and should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This bill is for rent on an apartment I lived in until XX/XX/XXXX. I paid the rent through XX/XX/XXXX. I am being billed for rent for the entire month of XX/XX/XXXX even though I had turned in a 30 day notice and did not live in the apartment during the month of XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: BOK FINANCIAL CORP
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of Oklahoma sent me a letter saying that they are going to revert to mailing paper statements and charge a fee of two dollars per month to mail paper statements if you are already signed up for online statements. This makes no sense and the fact that they're giving people 30 days to review and if they don't do anything, they're gon na start charging you two dollars a month in fees to mail paper statements when you were previously receiving online statements for free is ridiculous and they should be Investigated, many people do not receive their mail on time and many people will forget to log into their account and make these changes and it's unreasonable for the consumer to have to opt back out of paper statements or be charged a fee for mailing. This is completely backwards from the direction that the industry is going toward doing more online statements and away from paper mailing I believe that this is also deceptive to the consumer and unfair, because if people don't take any action there, going to be charged a fee when they were previously taking an action that should lower their fees. Most banks charge you for paper statements, but they don't all of a sudden switch everyone back to paper when they were already online for the sole purpose of collecting extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Navient Solutions, LLC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have 2 accounts from Navient showing on my XXXX  credit report. I had a loan with Sallie Mae which they sold to Navient. These are personal student loans not federal which is why they are not consolidated with my other student loans. I had filed chapter XXXX bankruptcy in XX/XX/XXXX and discharged in XX/XX/XXXX. These loans were included in the bankruptcy but still show on my credit report. The Sallie Mae loans are gone but the Navient loan still show and it's hurting me getting a mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX has ignored my request for validation. 

Please provide the following proof accordance with the Uniform Commercial Code : The Notice of Reinstatement letter with the return signature receipt that would have given me the ability to buy back the vehicle. This needed to be sent to me within 5 days the car was repossessed with the fees and late payment amount.

The Notice of Sale when you put the vehicle up for auction.

The Notice of Deficiency letter/ Post Sale Notice with fee details after 10 days of the vehicle sale date.

The original signed contact from the original creditor.

Effect of errors or omissions.

Under the laws of the State of Florida, Uniform Commercial Code Chapter 670 - 680 and State RISA and MVISA statutes a deficiency can not be claimed unless all the required notices were properly and timely given, and all the allowable redemption and cure time limits were adhered to.

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 2023-04-28
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/2023 I filed a complaint against Truist Bank for withholding by overage payment and my GAP refund as the account was closed the beginning of the new year. In addition the GAP refund has been cashed by Truist on XX/XX/2023 and no one is providing me any updates except for telling me I will be getting a follow up call in " 3 business days ''. I believe it is now 4 weeks of waiting and I still have not got a call. 
The only information I have been told is that they forgot to send my overage, and then when it was manually initiated it got rejected. 
I was also told that some clients are waiting over a year for their GAP checks and that their cancellation department is very flawed and behind.

Upon filing my complaint, the GAP refund was sent and overnighted to me, but the overage was still not sent. 
I received the GAP refund check and cashed it, and figured I was done and I would just wait until my overage arrives. 

Today, XX/XX/2023, the GAP check was cancelled and reversed out of my bank account, according the rep at my bank.

I have called Truist and they have informed me that they have no clue why and they can give me an update in 3 business days.

In addition, they told me they did send the overage but they sent it to the wrong address because they did not copy my full address correctly and I need wait 15 business days for them to correct their mistake on their end.

Truist is providing no information to me and it seems as if once the complaint was closed they reversed their payment after. 

I am owed $ XXXX on the GAP refund and $ XXXX on the payment overage.

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 2020-11-02
Company: ALLY FINANCIAL INC.
State: OH
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:
Ally Financial submitted a late payment on my credit for XX/XX/XXXX. I spoke with them in XXXX regarding set up automatic payment and due date change. It was not processed and I actually contact them and made a payment. I have been trying to get this late payment removed off my credit since 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 2023-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have 3 hard inquiries from banks which i never filed for credit card?? I am just seeing this now after amost 2 years ... 2 from capitol one and the other from XXXX XXXX XXXX which i never even hears of?? I also have another from XXXX XXXX XXXX  which i already called and had it fraud because i do not have any credit cards also have a hard inquiry for refinancing my car which i didnt try to refinance because i havent had my car for a year yet so can you please take off the 4 hard inquiries from the banks and also the ome for XXXX XXXX please and thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-09
Company: Credit Plus Inc
State: WA
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:
Credit Plus has made 2 inquiries, XX/XX/XXXX and XX/XX/XXXX, these were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: JPMORGAN CHASE & CO.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
During the month of XX/XX/XXXX, Our Chase Visa credit card was fraudulently used 98 times, racking up fraudulent charges totaling {$25000.00}. All of these charges were made to an on-line gaming site called XXXX. The fraudulent charges were as follows : 40 each at {$500.00}, 55 each at {$100.00}, 3 each at {$20.00}. 
Chase never notified me of the fraudulent activity. I only found out when my credit card was denied while dining out. Chase allowed the fraudulent charges to continue all month until my account was {$17000.00} over the card limit. ( XX/XX/XXXX statement : {$37000.00} vs. {$20000.00} card limit ). 
This complaint has been ongoing for over a year. I've written 5 letters ( latest copy is attached ), and made well over 20 phone calls. At first Chase said that these fraudulent charges were part of a scam and that Chase would not cover scams, and that I was responsible for all the charges. Later they changed to say that the charges were actually fraudulent, and that the computers had been hacked. They said they had issued a refund ( not true -- see attached letter ; Chase 's numbers do not agree ). Their latest decision ( phonecon XX/XX/XXXX, XXXX ) is that they've done all they can do and too much time has elapsed to continue expending any more effort to resolve this case. It's not my fault that so much time has elapsed. I've been wrestling with Chase for over a year trying to get them to resolve this. According to Chase 's actual statements ( copies attached ), I had to paid {$26000.00} over and above my actual charges ( {$25000.00} fraud plus interest I assume ). Yet Chase has never answered my question as to why I was required to pay {$26000.00} over the amount of my valid charges. See the attached letter for a detailed break down of the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: OneMain Finance Corporation
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have no agreement nor account with One main. I've previously requested validation of the debt they claim i owe, to which they have failed to perform. They continue to communicate with non-affiliated third parties that I owe a debt to them. I've never given them written or verbal permission to report and or communicate any information to anyone. I've previously sent a Cease & Desist communication on all mediums including to non-affiliated third parties that they continue to communicate with. They are adversely affecting my ability to care for my family due to these violations of my consumer rights.

Company response to consumer: Closed with explanation