BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint involves Portfolio Recovery Associates, LLC, a debt buyer, fraudulently reporting itself as a Factoring Company in the Account Type section of my XXXX  credit report between XX/XX/XXXX and XX/XX/XXXX, relating to a collection ( Account # XXXX ). 

Portfolio Recovery Associates, LLC is in violation of the FCRA and FDCPA by ever describing itself as a Factoring Company on my credit reports. Portfolio Recovery Associates, LLC is junk debt buyer it purchases security interests in old, defaulted receivables. Factoring companies only purchase new receivables. 

On XX/XX/XXXX, I initiated a dispute with the XXXX XXXX XXXX of XXXX, Virginia, arguing that Portfolio Recovery Associates had since XX/XX/XXXX, been erroneously reporting itself as a Factoring Company on my XXXX  credit report. I included an attachment of my XX/XX/XXXX XXXX  credit report verifying my claims. 

On XX/XX/XXXX, XXXX XXXX, Regulatory Compliance Analyst with Portfolio Recovery Associates, responded to my complaint. XXXX claimed, PRA has confirmed that it is properly identifying itself as a Debt Buyer to the consumer reporting agencies ...

She goes on to write, PRA does not control the way consumer reporting agencies report the information furnished by PRA. Accordingly, any differences in their reporting of the information which PRA furnishes is the responsibility of the consumer reporting agencies, not PRA. 

This is a lie. 

On XX/XX/XXXX, I spoke with several XXXX  representatives who confirmed that XXXX  DOES NOT modify, change, amend, or alter any information furnished by a creditor. 

The same day, I submitted a rebuttal to XXXX fabricated XXXX XXXX XXXX statements, providing additional evidence that my XX/XX/XXXX XXXX  credit report still showed Portfolio Recovery Associates reporting itself as a Factoring Company. 

Tellingly, on XX/XX/XXXX, Portfolio Recovery Associates began reporting as a Debt Buyer under the Account Type of my XXXX  credit report. I confirmed with XXXX  on XX/XX/XXXX that this change in reporting was instituted by Portfolio Recovery Associates, not XXXX. 

It is clearly evident that both XXXX and Portfolio Credit Associates are lying, are/were in violation of FCRA and FDCPA reporting regulations, and need to be held accountable. 

I have attached the XXXX XXXX XXXX correspondence referenced above, in addition to attachments proving Portfolio Recovery Associates was reporting as a Factoring Company to XXXX  in XX/XX/XXXX and on XX/XX/XXXX. Ive also provided an attachment which shows how Portfolio Recovery Associates began reporting as a Debt Buyer on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Great American Finance Co
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
my company received a wage assignment notification for my loan on the remaining XXXX dollars owed to XXXX. We have 3 payments remaining and were less than 30 days late. 

the initial letter was sent from their office without a call or letter to me. They claimed they call, but I would have known if they did. The last time my wife spoke with them, she scheduled the payment to be debited on XXXX/XXXX/XXXX. even though this was taken care of, they sent out the letter to my company multiple times once regular mail and the 2nd certified. it was sent directly to my employer notifying of a wage assignment. 

Their actions are not justified, and a wage assignment should be a last effort to have it initiated. 

My account was not even 30 days late and was satisfied. This a predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a single mother who recently tried to buy house. I was denied for my house because of my credit. That inspired you check my credit report, and to my surprise there were several accounts that were Unauthorized by me.

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 2017-10-27
Company: Experian Information Solutions Inc.
State: NJ
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 have around 3-4 hard pulls on my exparian report. that should n't be there

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 2023-02-01
Company: JPMORGAN CHASE & CO.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 I made a deposit on mobile deposit the money was already in my account on XX/XX/2023 but someone took the money out now is on pending and my app is saying XXXX negative XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: CAINE & WEINER COMPANY, INC.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on CAINE & WEINER ( Original creditor : XXXX  ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC Mortgage raised my escrow amount without submitting a new escrow analysis, in violation of 12 CFR  XXXX. No taxes or insurance premiums have changed, so I believe the change is in error. I have called customer service about this twice on XX/X/17 and received contradictory explanations from the two customer service reps. I then asked to speak to a supervisor, and was told none was available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Professional Debt Mediation, 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: Problem with personal statement of dispute

Complaint:
two years back I filled out an application for these apt but was never told of a fee of XXXX XXXX. when i left the office I noticed they had put this on my credit. I would have not filled the applicant if I knew there was a fee. they got my ss number off the application and put this charge that I was never told of on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: ID Analytics, Inc.
State: NV
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 was denied credit on XX/XX/2019 by XXXX  due to a credit report they received from XXXX XXXX. My XXXX XXXX, according to XXXX, was XXXX out of XXXX, when I have credit scores ranging in the high 600s to low 800s with the major nationwide credit bureaus ( XXXX, etc ). I have contacted XXXX repeatedly to obtain the free credit report I was promised in the denial letter, but continuously get a recording asking me to leave my name and number for a call back ( latest call XX/XX/2019 ). XXXX does not allow me to request the credit report online ; other than by phone, they ask me to send by fax or regular mail my social security number, drivers license, and other sensitive material that I am not comfortable sending by fax or mail. I am not sure when I will ever be able to fully review and thus dispute my credit report with them. This complaint is primarily about XXXX, but also I don't believe that XXXX XXXX  should be using such a company for their credit checks.

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 2017-10-05
Company: EQUIFAX, INC.
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:
Equifax continues to report a closed current account as 30-60days late. The account in question is a XXXX XXXX auto loan account. The account was paid as agreed and current. The loan in question was paid off on time but yet Equifax continues to report it as late. I 've sent repeated disputes and data. They have not sent me information as to where they got this inaccurate information and what steps were taken. Even after contacting XXXX XXXX about the agreed the account is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/21 I recevied a call from someone posing as a XXXX XXXX employee. He notified me that my electricity was going to be shut off in the next XXXX minutes if I was unable to get my balance up to date. I agreed to pay what was due. He put me on hold and came back saying theire systems were down but could not stop the shut off unless I could pay at a nearby XXXX XXXX office or by a mobile payment to an account number he gave me. I was not near a XXXX XXXX facility so I agreed to pay through XXXX. I made what I thought was XXXX payment but then quickly saw tow additional payments come out of my account. I alerted Bank iof America within minutes. I have attached below the letter from the bank. {$7000.00} was taken from me. I have bank with Bank of America fro XXXX years and feel they are not taking any responsibility that XXXX of there tools was so easily used to streal from me.

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 2022-03-31
Company: National Credit Adjusters, LLC
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:
In XXXX, someone in XXXX stole my identity. At the time I resided in GA since XXXX and was working on assignment in XXXX. XXXX Bank contacted me and immediately I went in and we closed the account and opened a new one. In addition, there were other payday companies and creditors this person tried to hit. A letter was sent and all was resolved. 2 years later it was sold to a collection company, when they contacted me I explained what happened provided information and never heard from them again. This company NCA seems to keep refreshing the date so that it will never fall off. It has been 9 years and if anything this should still not be reporting on my credit report, better yet it was identity theft and they keep updating to keep it on there. I have tried everything. Please help. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received a copy of my credit report and found the following item ( s ) to be errors

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 2017-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Disputed the validity of this entry on my report and never have been provided account details as requested. Send notice that account was paid in full and funds to original creditor. The account delinquency was 2010 and according to law once a debt is paid and OC is paid then the collection agency no longer has an account to report. Please delete this item immediately as I have waited over 60 days to get this resolved and numerous calls. The debt was a duplicate also to another debt collector, causing several inaccurate entries to my credit report. 
It is sad that I have to cause stress to myself to fix this problem .Collection accounts that are closed and returned to the original creditors are to be deleted from the Credit reporting agencies, as these accounts are no longer in collection. 

Furthermore, if the accounts were paid they should not be listed as an open account. 

Your verifcation of the accounts as a " Paid Collection " is a violation of the FDCPA and FCRA, Specifically ; FDCPA violations ; 15 USC 1692e ( 8 ) providing false information to credit reporting agencies FCRA violations ; 15 U.S.C. 1681i duties of furnishers to provide accurate information.

15 U.S.C. 1681s-2 - failure to provide accurate information, failure to correct reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: AFNI 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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove XXXX XXXX XXXX account from my personal credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
In XXXX XXXX I paid my car note however I addressed to the wrong people and they sent me my money back in a check form for me to cash and put back in my account and I tried at the bank branch and they said no I cant. So I called the number on the check and it directed me to my bank. The check was XXXX it was withdrawn from my account and they denied me the money Im entitled to. In the check it says it will be coming back in 90 days if not cashed so now Im XXXX short and they are once again not acting right so.. Im here to say this bank is withholding me from my OWN money. Capital One is trash.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Experian Information Solutions 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:
I'm a Victim of Identity Theft. I want a put a fraud Alert On My Credit files ASAP I did not give anyone permission to open any Accounts using my Personal Information these Accounts was open without my Authorization I want them Removed and Block From My Credit Files.

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 2021-05-13
Company: Affiliate Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XXXX about a debt collection. I did my research and found out that the debt was related to medical services. I contacted the medical provider, they never provided services to me ( which I already knew ), contacted the previous creditor and they said they could not provide any information even when they confirmed my case number. The current collector XXXX XXXX XXXX try to convince me that the debt was mine because they had all my information on the case until I confronted them with evidence and prove they were wrong and ask the for a itemzed invoice. Tree weeks later I received a fake itemized invoice with fake information which was showing that the services were provided to a different person. I call back and all they said was that that made a mistake and hang up the phone. This is something that has to be investigated because doing my research I found out I was not the only person with the same problem with this company. They are trying to scam people and the worst part they have all your personal information home address, social security number date of birth phone numbers and you don't know if there will be future fraudulent intents to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
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:
There is an account showing on my credit report that isn't mine. It's from XXXX XXXX and says it was originally from XX/XX/XXXX. I never had any service from XXXX, so this must belong to someone else.

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 2017-10-28
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This account has not been validated a XXXX has been removed from XXXX and XXXX I need this removed immediately as the company has yet to validate the Debt. 

I need them to stop reporting wrong information to the credit bureaus as false and misleading practices. Will also report to Attorney General, FTC and 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 2017-10-27
Company: JPMORGAN CHASE & CO.
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 claim started on XXXX XXXX, 2017 when someone used my Chase debit card at the ATM to take money from my checking account. I notified Chase and later the claim was approved. After I received my replacement debit card, it was used to make purchases. When I called to report the activity to Chase I was stunned to learn that Chase had not disabled the PIN number. They said if I wanted to change it I would have to take the card in to the nearest branch. Well the damage had already been done. Four more cash withdrawals. I believe Chase is guilty of not protecting me by leaving the PIN active. Now Chase is denying that claim. Im not sure why. The money was taken away without warning. i got up in the morning and i was {$690.00} overdrawn. Im pretty sure if I had not borrowed the money from my mother-in-law to put back in the bank i would have been charged overdrawn fees every day. 
Well my checking account wasnt the only victim.. My Chase/Slate credit card was also used without authorization. As well as my XXXX card, my XXXX card and, just yesterday my XXXX. XXXX seems to always be involved. This last time i had used my XXXX at XXXX that morning. A few hours later it was used by someone and again that night. 
I intend to keep writing to anyone who will listen. So far I have filed 2 claims with the Consumer Protection people. Next I am writing to the Attorney General. 

Last week I tried to shop with my debit card and kept being denied. I stopped in at the local bank and was told that you had closed my accounts. you had closed my Slate and Freedom the week before. That was fine. I had no credit left. But I need my checking account. I have medical procedures coming up which require a co-pay and my income is direct deposit. now I 'm getting letters from Chase saying they are denying myb claims because In gave authorization to the user. these are claims that were already resolved. Suddenly they think I let someone use the cards, max them out.. Why would I do that. If someone got access to my cards and used them without m, y knowledge or authorization, that 's still theft. Chase would sometimes deny 2 or 3 attempts to use the card and then let the next one go thru. did they think to call me and see ifv I was using the card? n did they think to request surveillance footage so I could see if it was someone I know. now they want to pile everything back on me to keep paying for things I did n't buy. Chase did n't help me. I have already claimed financial hardship with my other creditors. I 'm XXXX years old, living on social security and recovering from a XXXX. This is a disaster.

Company response to consumer: Closed with explanation