BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Portfolio Recovery calls everyday from all kinds of phone numbers. Calls multiple time while I'm at work. I have asked to stop calling, but then will use another number to call again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The account with XXXX XXXX XXXX  account # XXXX ending in XXXX is closed and charged off. There should be no DELIQUENCY AFTER A CLOSED DATE ... ..So how is this ever late or past due? On any of these reports. I have provided proof and documents that this has been reporting inaccurately for months. I have been disputing it mulitple times not only with the creditor but with the credit reporting agencies and they have come back and said they have verified that this is accurate but not addressing the concerns of the disputes. Well i do have rights and according to FCRA 623 Duty of Furnishers of Information to Provide Accurate Information at all times. This has not been the case for me concerning this account with XXXX and Equifax. Please see attached inaccuracies with mulitple request of disputes to verify the information that was provided by the creditor. 
how was 34 payments received on a 4 month term loan? 
How is there a payment amount due? 
why are there 3 different amounts on all different bureaus? 
why is this charged off and closed and past due at the same time? 

This has caused me so many issues in the last year that i cant express how thankful i am to finally get help with one bureau, now can you assist with the illegal activity that is being done with the others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with XXXX XXXX XXXX with a balance of {$3700.00} and an original creditor of 09 XXXX XXXX XXXX XXXX. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.

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 2017-11-27
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
The student loan company wo n't remove the cosigner from this account. I have been trying to get her off my loan account for over 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: CNG FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
I applied for credit from Axcess Financial and they made inquiry without reason. I dont have credit with them, It is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: DLC, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a collection on my account from XXXX XXXX XXXX and I have never been to one of their locations. I have never applied for credit with them and I never gave them any of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: EQUIFAX, INC.
State: OH
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 so tired of dealing with CFPB and Equifax. There is no way, no way that you looked into these accounts. Your company has a tendency to rubber-stamp things because you're a true POS of a company that leaks financial data and tries to hide it from the public. As far as I'm concerned Equifax should be completely shut down. XXXX and XXXX  corrected these matters as these were " authorized user accounts '' they are NOT MY ACCOUNTS PERIOD ( YELLING ). Even in the account ownership/status, it says this very thing. I have three accounts with XXXX XXXX that are mine and they report as owned by primary. If you fail to acknowledge this request within 30 days I will be filing suit not only against you but all the other creditors. I have been removed from these accounts over a year ago and reporting was closed on all other credit reporting agencies except your POS system. 

Accounts XXXX XXXX XXXX Account Number XXXX High Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX High Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX High Balance XXXX Date Opened XX/XX/XXXX I want the CFPB to publish this to show that Equifax will not handle removing closed authorized user accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Experian Information Solutions Inc.
State: CT
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:
Experian and XXXX never send me verification that XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX [ never late ], XXXX, and XXXX, XXXX is reporting XXXX  please verify this account I never applied they do n't even do service in my area, it has been more than 60 days and the credit bureaus are not verifying accounts that does n't belong to me im going to take 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 2019-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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:
XX/XX/19 I attempted to speak to both XXXX and kohls/capone   about a hard inquiry that I never did. kohls states they have no record but will not provide letter of deletion and as for XXXX   they will not work with me without said letter. Both refuses to fix the problem of having an inaccuracy on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
American Express XXXX. Http : //Pay.gov Tracking ID : XXXX .Information to bank to remove the debit block. Company ID : XXXX Name : XXXX  XXXX Invoice from XXXX XXXX XXXX  XXXX ( XXXX ) Unclaimed Payment ( XXXX ) XXXX Merchant Payment Profile ID : XXXX XXXX XXXX Bill Pay Federal Document Nbr XXXX Executive Office for XXXXmmigration Tax Reform USA President XXXX XXXX XXXX Itinerary Summary On Hold Record Locator : XXXX This reservation is on HOLD until XX/XX/2019 XXXX XXXX  CET ( Central XXXX Time ). Electronic payment Receipt Acknowledgement - XXXX ( XXXX ) Have No valid Ticket number - XXXX member XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Experian Information Solutions Inc.
State: AZ
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:
I applied for a XXXX XXXX and XXXX card on XX/XX/XXXX. I was told that I would receive a letter in 7 to 10 business days. When I received the letter I was told to call and verify my information. I called and was told I was approved for {$250.00} for XXXX and {$350.00} XXXX. So then I got a letter asking for a copy of my id, drivers license, and bank statement. I sent in the information Priority Mail which was {$6.00}. I called XXXX XXXX when it was delivered and was given an account number and told that I can go into the store with my social and they would be able to pull up my information. So I took my wife to go get some clothes. Imagine my embarrassment when I was told that the information was still not working. So they gave me a number and I called, XX/XX/XXXX I spoke with a supervisor who told my account was permanently closed because the id and social security were unreadable. But the supervisor advised he would give 45 more days if I could get in a better copy. So I took time out of my day to go down to the social security office and get a brand new social security card. Sent in the information AGAIN priority on XX/XX/XXXX another {$6.00}. Tracked and seen it delivered on XX/XX/XXXX. Called almost every day to commenity since then and was told no information was processed yet to give it a few more days. Give it a few more days. Give it a few more days. Called yesterday XX/XX/XXXX, was told by a supervisor in Idaho that the account was permanently closed back on XX/XX/XXXX and he could not reopen it. NOT ONCE was I told that when I called several times before that. I was told the information was not received. Now these 2 credit cards are reporting to my credit report as closed accounts and SIGNIFICANTLY dropping my credit score because that reflects bad on me. These accounts were never open to begin with so how can they be closed. I am disgusted with this company and extremely disgusted with the customer service I received. I spoke with several people who never told me once that my account was permanently closed. I gave the supervisor last night the tracking number to the information sent on XX/XX/XXXX and he too seen that it was delivered on XX/XX/XXXX. Why it was not processed I am not sure. But I want these 2 credit cards off my report! This is completely ridiculous. And completely unprofessional.

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 2019-04-28
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am XXXX and I have been in serious of car accidents.I have almost been XXXX and XXXX by a dog. I fear driving on the highway. This bank, PNC Bank, is conveniently located in XXXX, NJ. I did nothing too them and my banking access online is revoked. I also have a POD banking account with my father that I am not given information about. 

I believe that this company is XXXX towards dark skinned women. This is the first time that I ever had a problem with my checking account. What is he looking for to unrevoke my account? How do I unrevoke the account? What is required to unrevoke the account? 


I am XXXX and have difficulty getting across the bridge to my other bank every week. I fear of another accident. Could you tell them to grant me access to my online bank account.I did nothing to them. Additionally, someone is hacking my checking account. Are they able unrevoke my checking account? This could affect my credit score. I am in the process of moving, buying a house and a new vehicle, Right at this point, I feel that this company is being discriminatory against me for no reason.They have no explanation given. They did not allow me to explain my side of the story. This is the first time, in 20 years, since completing my education and opening this checking account, that this has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: EQUIFAX, INC.
State: AZ
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 had a XXXX credit card for years, account number XXXX XXXX XXXX XXXX. Unfortunately in XX/XX/XXXX I ended up in a divorce. The Courts gave me ALL of the marital debt, at the same time I lost the job I had had for years. I used up all of my savings and resources by the middle of XX/XX/XXXX. I contacted XXXX NUMEROUS times in an attempt to work out some kind of payment plan but no agreement could be reached. Finally I gave up and turned my account over to a consumer debt settlement company and In XX/XX/XXXX, began making monthly payments upon acceptance of the {$9900.00} settlement of the {$28000.00} balance. At that time my account correctly showed that you had charged off my account or at least XXXX as a loss and my credit report correctly reflected this. 
However, XXXX continues to show this every month on my credit report statement and this is not the true reflection of my account at present. XXXX agreed to a settlement and I am paying this settlement as agreed. I respectfully requested numerous times that you simply reflect accurately the current state of my account. As recently as XX/XX/XXXX of  this year XXXX continues to report my account status as delinquent 90 days+.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: WELLS FARGO & COMPANY
State: CA
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:
My credit card at Wells Fargo was used for fraud in that a series of on-line transfer were made to the credit card which I did not authorize. My credit limit was {$15000.00} and the on-line transfers were for more than {$41000.00}. Wells Fargo now claims that my credit card balance is over {$41000.00} and is demanding payment.

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 2019-04-28
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am writing today with faith and a very= hopeful heart. My name is XXXX XXXX and I graduated XXXX XX/XX/XXXX on gran= ts and scholarships obtained by grades. I graduated with a XXXX major an= d XXXX minor with intentions of going to XXXX  school. However, due to a = young marriage at XXXX and XXXX children and a divorce it was not a realistic go= al. I decided to go to XXXX XXXX school at XXXX University to ob= tain my XXXX. As a single mom of XXXX young children I had no choice but = to work nights and attend school during the day to pay for childcare, food, = house, etc. I was the only student  who worked during this rigorous full ti= me XXXX program and needless to say was also a single parent. Despite my= efforts to try to financially support a household and XXXX young children e= nded in me losing my home and bankruptcy. I XXXX my XXXX and begun = working for XXXX XXXX medical center in XX/XX/XXXX. The XXXX Student loans w= ere very high especially when I was just trying to get back on my feet and = start a new life for my children. I spoke with Navient multiple times and w= as under the impression from the information I was provided that in 10 year= s these loans would be forgiven because of my XXXX XXXX  career. I = tried to pay through income based repayment but many times I had to defer d= ue to hardships with supporting my XXXX mother and XXXX father. I = specifically remember asking if the deferment would affect my forgiveness i= n 10 years and specifically being told NO. All I had to do was submit the p= aperwork in 10 years. I am now recently learning that this in fact is incor= rect and I will not qualify for forgiveness without having made 10 consecut= ive years of on time payments. I currently owe over 200,000 now with all th= e interest charges which is nearly double what I graduated with in debt. It= is very discouraging as a XXXX professional  coming from a low income ho= usehold trying to better herself for her family. At this time I have remarr= ied and now have XXXX children and a husband which just as well finished hi= s XXXX with a large student debt bill. I am pleading with anyone who has= some influence or power to make a difference. I am a law abiding tax payin= g professional and the price to pay for this is outrageous. I have been lie= d to by my lender for years and now I am left with a > {$200000.00} student debt= almost in time to start paying for my oldest daughters college. I heard my= daughters high school friends talking about studying in another country to= not incur all the debt. We are doing an injustice to ourselves and I stron= gly believe that something needs to change. Please help I dont know where to go from here but would appreciate= any feedback, advice, or helpSincerely XXXX XXXX XXXX --

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
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: Credit inquiries on your report that you don't recognize

Complaint:
In reviewing my credit report, I noticed four ( 4 ) credit inquiries on XX/XX/2017 from 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 2018-03-20
Company: EQUIFAX, INC.
State: AZ
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:
I applied for a XXXX XXXX and XXXX card on XX/XX/XXXX. I was told that I would receive a letter in 7 to 10 business days. When I received the letter I was told to call and verify my information. I called and was told I was approved for {$250.00} for XXXX and {$350.00} XXXX. So then I got a letter asking for a copy of my id, drivers license, and bank statement. I sent in the information Priority Mail which was {$6.00}. I called XXXX XXXX when it was delivered and was given an account number and told that I can go into the store with my social and they would be able to pull up my information. So I took my wife to go get some clothes. Imagine my embarrassment when I was told that the information was still not working. So they gave me a number and I called, XX/XX/XXXX I spoke with a supervisor who told my account was permanently closed because the id and social security were unreadable. But the supervisor advised he would give 45 more days if I could get in a better copy. So I took time out of my day to go down to the social security office and get a brand new social security card. Sent in the information AGAIN priority on XX/XX/XXXX another {$6.00}. Tracked and seen it delivered on XX/XX/XXXX. Called almost every day to commenity since then and was told no information was processed yet to give it a few more days. Give it a few more days. Give it a few more days. Called yesterday XX/XX/XXXX, was told by a supervisor in Idaho that the account was permanently closed back on XX/XX/XXXX and he could not reopen it. NOT ONCE was I told that when I called several times before that. I was told the information was not received. Now these 2 credit cards are reporting to my credit report as closed accounts and SIGNIFICANTLY dropping my credit score because that reflects bad on me. These accounts were never open to begin with so how can they be closed. I am disgusted with this company and extremely disgusted with the customer service I received. I spoke with several people who never told me once that my account was permanently closed. I gave the supervisor last night the tracking number to the information sent on XX/XX/XXXX and he too seen that it was delivered on XX/XX/XXXX. Why it was not processed I am not sure. But I want these 2 credit cards off my report! This is completely ridiculous. And completely unprofessional.

Company response to consumer: Closed with explanation