BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 and XX/XX/2021 for two different account Debt Validation letter was sent by me using certified USPS mail with a return request to Portfolio RecoveryAsscociates, LLC the completed request was never sent back to me, things such as * Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor. 
* Complete line-by-line accounting of alleged debt. 

Portfolio Recovery Associates LLC claims the unvalidated credit debt amounts for two separate accounts are {$6900.00} and {$600.00} ( as it illegally shows on my credit reports ). 

Portfolio Recovery Associates , LLC told my lawyer and me by letter that they believe they sent enough information. 

Also upon research on https : XXXX, it does NOT show that Portfolio Recovery Associates XXXX is Licensed to collect in Texas, yet they still ignored my attorney and I request to stop collection efforts along with never sending my completed debt validation request they still added it to credit reports which are damaging my reports illegally and wrongfully. 

I contacted my attorney and my attorney called me and informed me that " Portfolio Recovery Associates , LLC '' is violating Federal Law and that I should submit a complaint to the Federal Trade Commission. 

I have given Portfolio Recovery Associates almost a year now to make this right by removing these negative things from my report and life but they have yet to remove these negative reports from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have received a prepaid card which I am unable to use because the transaction keeps getting declined. There is only one way to contact the company ( by phone ) and for the past two months they " have been experiencing extraordinarily high call volumes '' and never pick up the phone.

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 2018-02-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery called to say they would accept payment for unknown debt. Said if I gave them my bank info it would be removed from credit agencies. I asked for a statement in the mail. They declined and said they can not send any info. Agent said this was hurting my credit score. After the phone call, I pulled all three credit reporting agencies and there is no such debt due. It was too old to be on my report. Is roughly 10 or more years old. I sent a cease and desist letter via USPS Certified and Return Receipt. Letter was signed for and postcard returned to me. They are STILL calling me. I do not answer and they leave no messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Over the last year we have seen the interest charged on our JCPenney card go up and down while the interest rate has slowly gone down and no new charges have been made. Here is a list of payments and interest paid over the last year : XXXX Payment Interest APR Rates Charged XXXX {$200.00} {$140.00} 27.99 % 26.99 % XXXX {$200.00} {$140.00} 27.49 % 27.99 % 26.99 % XXXX {$190.00} {$130.00} 27.49 % 27.99 % 26.99 % XXXX {$190.00} {$130.00} 27.49 % 27.99 % 26.99 % XXXX {$190.00} {$130.00} 27.49 % 27.99 % 26.99 % XXXX {$190.00} {$130.00} 25.99 % 27.49 % 26.99 % XXXX {$180.00} {$120.00} 27.49 % 26.99 % XXXX {$190.00} {$130.00} 27.49 % 26.99 % XXXX {$180.00} {$120.00} 27.49 % 26.99 % XXXX {$180.00} {$120.00} 27.49 % 26.99 % XXXX {$170.00} {$120.00} 25.99 % 25.99 % XXXX {$160.00} {$110.00} 25.99 % 25.99 % XXXX XXXX {$170.00} {$120.00} 25.99 % 25.99 % I have contacted the company and was told the interest amount changes are based on how long the balance has been at that level. This explanation make no since to 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 2023-02-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX 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 2019-05-01
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
this company has 3 different accounts open with name from the same company opened in my credit history from XX/XX/2013. These debts had been taken care of by medicaid at the time. i tried calling and emailing them to try to fix the issue however they do not reply to my emails, even if i try to settle for a lower price they simply do not answer. It has been a nonstop battle with these people. 

they say i allegedly owe them the three different accounts are {$680.00}, {$680.00} and one for {$960.00}. 

I dont know what to do, i want to remove this from my credit report however they are impossible to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
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:
These are not my accounts, nor did I authorize these companies to pull my credit. Additionally, there are addresses I don't recognize. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: CL Holdings LLC
State: VA
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:
15USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-05-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has made my credit report unavailable to lenders and creditors. They are not able to pull my report, see my file or generate a credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN accordance with the fair credit reporting act, the last of account below has violated my federally protected consumer right to privacy and confidentiality under XXXX u.s.c. XXXX XXXX XXXX XXXX XXXX XXXX... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Name ... XXXX XXXX XXXX Account # XXXX Name ... XXXX XXXX Account # XXXX Name ..XXXX XXXX XXXX XXXX XXXX # XXXX Name ... XXXX XXXX XXXX .. Account # XXXX Name.. XXXX XXXX in # XXXX Name.. XXXX  XXXX ... Account # XXXX Name.. XXXX. Account # XXXX Has violated my rights. 
15 u.s.c 1681 section 602 A. I have the right to privacy..

15 u.s.c 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction..

15 u.s.c 1681 C. ( A ) ( 5 ) section state : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years..

15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate...

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 2022-01-06
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am filing a complaint against XXXX bank ( now Huntington National Bank ). I called customer service to request to close my checking account on XX/XX/2021. At the time, I have a remaining balance of {$1100.00}. The representative helped me deactivate my debit card and told me the closure will be processed within XXXX business days and the remaining balance will be mailed in check. But I never receive the check. 

I called again on XX/XX/2021. The representative confirmed that she can see my account closure and requested me to call back in XXXX because the policy of re-issuing checks is 3 months after the original check was issued. 

I called again on XX/XX/2021. The representative asked to me go to the local branch with my ID. 

I went to the branch on XX/XX/2021 at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The agent said the balance at account closure is {$0.00} and there are no transactions in their system because they delete everything 2 months after account closure ( but I was asked to wait for 3 months for reissuing a check ). The agent is very rude. She told me they never close accounts through phone ( how come I know it if the first rep did not tell me this information? ) and blame me it is my responsibility not to keep track of the money ( I did everything I can do for this based on customer service 's instruction, and also followed up through phone twice, XXXX minutes for the first call and XXXX minutes for the second call ). She told me they will request the backend team to look into it and get back to me within a week. But I did not hear any back for the past week. 

I am attaching the last statement saved on my computer before the account closure for more account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance : $ {$650.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX : XXXX, have violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. 
Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. 
Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-12-13
Company: HSBC NORTH AMERICA HOLDINGS 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:
On XXXX XXXX 2017, I received a bill from HSBC bank which appears that someone had stolen my identity and opened a new credit card under my name and address. They charged {$9400.00} on the card. I called HSBC bank that night but was on hold for almost one hour. I tried calling again the next morning and was on hold for another 50 minutes. Finally, I went to the branch in XXXX, CA and they had me call their Fraud line again. I called from the bank and was on hold for another 37 minutes before someone talked to me. I was asked to fill out an affidavit form which I did and returned back to them but have not had any results. I also disputed the card on XXXX but HSBC bank certified to XXXX that the information is correct. When I was at the bank, they told me some information filled out on the credit card application was incorrect. The applicant used the wrong home phone number and wrong email address. There was another bank that the criminal got a card from also under my name, but that bank had already resolved the dispute and removed it from my credit report. HSBC however does n't seem to care about my credit score and their customer service is very slow in responding. I think someone needs to audit the dept that is approving credit card applications at this bank. Especially if they are allowing transactions like this to go through. Other banks would have called to verify or have the stores check photo IDs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
My name is XXXX XXXX and i am a consumer and disputed some accounts on my credit report that seemed to be inaccurate to me and after the investigation back from EQUIFAX there still are inaccurate reporting. EQUIFAX verified and updated my consumer profile inaccurate but they said everything is 100 % complete and accurate. I disagree with that so I DEMAND the description of investigation according to 15 USC 1681 ( 7 ). 

This account below is inaccurate from the... 
OPENED DATE ACCORDING TO CONTRACT FROM XXXX XXXX XX/XX/2021 EQUIFAX HAVE REPORTED XX/XX/2021 ( INACCURATE/FALSE REPORTING ACCORDING TO FCRA ) HIGHEST BALANCE ACCORDING TO CONTRACT FROM XXXX XXXX {$17000.00} EQUIFAX BALANCE HAVE REPORTED AS {$15000.00} ( INACCUARTE/FALSE REPORTING ACCORDING TO FCRA ) DEFICENCY BALANCE ACCORDING TO XXXX XXXX {$54.00} ( WHICH WAS ALSO REPORTED LAST MONTH ) EQUIFAX DEFICENCY BALANCE IS {$5000.00} ( INACCURATE/FALSE REPORTING ACCORDING TO FCRA ) Account name : # XXXX XXXX  # XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 16811 ( 5 ) ( A ) ( i ). 

Attached is all documents and reports regarding this dispute. 
Original dispute, Contract from XXXX XXXX, Updated Credit File with proof off false reporting and inaccuracies from EQUIFAX And Proof of identity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I don't recognize this account. I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so.

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 2023-06-15
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Bank suspended online access claiming fraud, however no proven fraud has ever taken place. Chase demands we go out of our way and drive XXXX miles round trip to a branch to produce XXXX forms of ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: EQUIFAX, INC.
State: TX
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:
File a dispute with Equifax in regards to by bankruptcy that listed an incorrect court address and date reported. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX GA XXXX Phone : ( XXXX ) XXXX when it actually XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX They came back claiming it verified, but have not correct the issue at hand, I sent in additional request for method of verification as well as removal. 

Not correcting date reported : It XX/XX/2017 rather than XX/XX/2017 Please see attach Equfiax Report Not from the original furnisher itself, and given past court cases in this regard has proven not be 100 % accurate.

Company response to consumer: Closed with explanation