BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-19
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I did not get a car loan and would love for this to be removed off my credit report as soon as possible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
I have had a credit card with Kohls for over 7 years. Not one time was late. Until a couple of months ago I made the payment, but they put it on my credit as 30 days past due. I called them and wrote a letter and I was told I missed the billing cycle by a couple of days. I wrot a letter saying I dont understand billing cycles, as I am a front line health care worker. I have never been late and promised it wont happen again and that I plan on paying it off in a couple of month, so to please remove it from my credit. Its still on my credit ruining my score when I was wanting to buy a new house for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: BANCO POPULAR DE PUERTO RICO
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Credit card company close my visa credit card out of nowhere when I have excellent credit and I always make my payments on time there is no reason to have my account closed and if so I would like to exclamation as to why my account was closed not just bank policy I also owe a balance on this credit card that would negatively hurt my credit score that ive really been working so hard to be good now that they closed my account my credit scores are going to plunge and I would not be able to get into collage / obtain credit for a student loan on my own ... 
my credit card account was working perfectly until they put a block on my account however they requested documentation I sent them the documentation and it was already verified by the credit card risk department so why is there a need to close 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 explanation
Consumer complaint received 2021-12-09
Company: Apelles, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a letter dated XXXX with a balance of {$5100.00} from Apelles- a collection company. 

When I spoke with them in XXXX of XXXX, speaking from the letter they'd sent to me, we spoke of a {$5100.00} balance due ( see attachment ). 

I agreed to pay {$50.00} dollar a week, which I have done, until the balance is {$0.00}. 

Today, XXXX, when I called to discuss a settlement, I was informed that my balance was {$3700.00} because on their end my starting balance was {$6100.00}. I never received a letter stating any balance, except the {$5100.00} balance. 

I have paid {$3000.00}, thus far. The balance due should be XXXX, not XXXX, which I was never informed about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
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 a pending case. However, the issue was that the information on my credit report was incorrect. 

According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. 

My original letter was dated XX/XX/XXXX, with Equifax reported receiving on XX/XX/XXXX. As of today, XX/XX/XXXX, Equifax has not completed the investigation within the 30 day time frame. I originally filed a dispute with cfpb on XX/XX/XXXX, which was 48 days past the date Equifax reported receiving the dispute from me. 
I am requesting that the negative listing being disputed from XXXX XXXX XXXX be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: NJ
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-11-19
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 UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$97.00} XXXX XXXX Balance Owed : {$25000.00} Date Opened : XX/XX/2020 XXXX  XXXX Owed : {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
What have you done to my credit report??? Why there is late payment marked on it? I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it?

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 2022-11-02
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have Barclays XXXX XXXX card. The default reward structure for this card is XXXX on restaurants, XXXX on groceries etc. on XX/XX/XXXX I received a targeted promotion offer saying that I can earn XXXX additional points on restaurant, drug store and groceries until XX/XX/XXXX and I need to activate it. Attaching proof of offer screenshot from my email. 

I went ahead and activated the offer. I also logged into my app and chatted with customer service to make sure that this offer is active. The agent confirmed it. Refer screenshots referring to XX/XX/XXXX date. 

After that I started using the card and did not seem to warn the additional XXXX points ( I used the card in XXXX which is listed as a restaurant in Barclays portal. Additionally I also did not use digital wallet payment and used the card chip payment ). I reached out to customer support to understand when Ill get the additional 3X points. Im now being told that there was no such offer and its not active on my card. Review attached screenshot referring to XX/XX/XXXX date. 

I clearly have proof that I activated offer since one their agents confirmed it on chat and Im sure Barclays has access to it as well. This is outright customer abuse by Barclays to trick me into using the card by offering more points and later saying there was no such offer. Please help me get an explanation from Barclays

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 2020-02-27
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and there are accounts that i have disputed with the companies and credit bureaus by sending in my fraud packet that included my FTC Report, Police Report, FCRA, Credit Report, etc. The accounts are attached. XXXX XXXX, Bridgecrest, and XXXX XXXX original credited XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable and needs to be resolved.

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 2021-11-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I use XXXX to exchange and hold my cryptocurrency. This account is tied to my checking account through Wells Fargo where I can make deposits and withdrawals using an ACH. The XXXX account was compromised by a fraudster. I contacted Wells Fargo 's Online Fraud department to warn them of what had occurred and stop any transactions coming from XXXX. The representative told me a hold had been put in place and ended the call. 2 days later on XX/XX/XXXX {$5000.00} is transferred out of my account into XXXX by the fraudster. I contacted Wells Fargo again on XX/XX/XXXX regarding the hold and was told a hold was never put in place. When seeking resolution from Wells Fargo I was told through a letter that a hold takes 3 days to be put in place. I have requested to speak to a manager several times but none have ever gotten back to me in order to explain why the request for a hold I made on XX/XX/XXXX was never put in place and why I was never read a disclaimer informing me that it would take 3 days for a hold to be put in place but was instead told it had already been done. Any request for review of or copy of the original XX/XX/XXXX phone call has been ignored even after contacting the 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 monetary relief
Consumer complaint received 2021-11-19
Company: AES/PHEAA
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have an ongoing issue with them. Every time, I would renew my XXXX they would put my student loan into a forbearance, which caused it to generate more interest and nothing was applied into principal. I worked very hard on paying my student loan, so at least I was two months ahead of it. Myfedloan made sure that I wasn't ahead on my loan. They kept backdating it and stating I wasn't two months ahead on my loan. Basically, I was left paying more interest than principal for my entire loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It May Concern : I received a copy of my credit report with the intention to trying to improve my credit and take care of my liabilities and noticed an issue on my previous account with a lender. I know the information associated with the account is not correct and needs to be updated. Unfortunately, my experience with XXXX XXXX in the end was not fond. On XX/XX/XXXX, I received a letter ( attached ) from XXXX XXXX informing me they were closing my credit card account with a refund of {$50.00}. This in turn showed me I did not owe them any monies after XXXX XXXX closed the account. I deposited the check and shredded my card for no usage. Recently, unfortunately, I received a notification that my credit balance increased and XXXX late payments were reported to the credit bureau. This lowered my credit score for months after I went through hardships of building my credit back up from being labeled poor. Another issue I have is that XXXX XXXX does not have any record of sending the letter to me so my account incurred charges, late fees, late payment on my records and credit report. 


The Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am sure is not up to date. 15 U.S.C.Sec. 1681i ( a ) gives me the right to request the account deleted if they do not make the account 100 percent correct or up-to-date. I saw on a credit site and board where this lawyer said they have 30 days to complete this investigation. Please investigate the following account and remove it if anything is missing, not up-to-date or correct. Below please complete the following to update the account or delete the account entirely : Account Name : XXXX XXXX Account last XXXX : XXXX Close my account with the closing date of XX/XX/XXXX not with the date of XX/XX/XXXX. 
Remove any late payment dates after XX/XX/XXXX ( XX/XX/XXXX and XX/XX/XXXX late payment reported after XXXX XXXX closed the account ) Waive all the late fees and charges on the account incurred after XX/XX/XXXX ( account was supposed to be closed ). 
Change the credit card balance on the credit report from $ XXXX {$250.00} to {$0.00} ( prior to closing the account, it was paid up. That is why a check was issued to me ). 
Change amount Past Due to {$0.00} Change worst payment status to Current Please see attached XXXX XXXX letter that was received on XX/XX/XXXX stating they were closing the account with the refund amount of {$50.00}. In addition, the reported misinformation on my credit report as of XX/XX/XXXX is attached. 

Thank you for your assistance.

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 2023-07-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX XXXX and Account # XXXX Account name : XXXX XXXX XXXX XXXX and Account # XXXX Account name : The XXXX XXXX XXXX and Account # XXXX Account name : XXXXXXXX XXXX and account # XXXX Account name : XXXX XXXX  and Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-19
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My card was stolen XX/XX/2022. Pnc accepted some responsibility for certain claims but not other transactions which were at the same exact time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Receivables Performance Management, LLC
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I returned a vehicle that I was leasing for the purposes of driving for XXXX, that was originally leased through XXXX XXXX XXXX, later sold to a company named XXXX, the vehicle was returned to XXXX  with no infraction to the contract, and no deficient balance. 

I have been registered at my previous address and at this address, I have not changed my phone number, I have not changed my name I have not changed any other identifying information and no debt of any sort has ever been communicated to me by either XXXX XXXX XXXX, XXXX, or XXXX XXXX XXXX XXXX I was notified by RPM on XX/XX/XXXX regarding an alleged debt. I have reason to believe I do not owe this debt because I have never been contacted in any form by XXXX XXXX XXXX, XXXX ; I verified my account in good standing before closing the account is XXXX  Leasing ; I verified my account in good standing after closing the account is XXXX Leasing, I have never been contacted in any way by XXXX Leasing since closing the account ; I verified that I did not infract any clause within the lease agreement before and after returning the vehicle, and I have I had no collections activity reported on any of my credit reports since the account was verified closed in good standing in XX/XX/XXXX. I mailed a demand letter which was received on XX/XX/XXXX I received a response from RPM dates XX/XX/XXXX, which complies with 15 U.S.C.1692g, and includes the name and address of the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX ), the amount they are alleging in collections is {$3800.00}. 

Further, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX ), is not reachable, when you call it goes straight to voicemail and there is not an option for extension one or two. 

So the debt collection agency, RPM, is attempting to comply with or appear that they are complying with the federal statute, but they are representing a company that has never contacted me, has never appeared on my credit report, and can not be called, and I have never been informed of any debt with the original Creditor/Leader " XXXX XXXX XXXX '', which was bought by XXXX  and XXXX  is now out of business and unable to be contacted and you can no longer access any of their customer accounts, and I have never been informed of a transfer of debt or an existence of debt with any of the aforementioned companies, except the attempt at collections by RPM. I have records of all the communication, all of the transactions from the original lease, all of the communications between me and the debt collector have been written and recorded. 

So, I am asking to file this complaint against RPM who I believe is representing either a company or a debt or both falsely, or that they simply do not exist.

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 2021-01-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
As suggested by Citizens bank manager, replaced mortgage with HELOC ( XXXX ), and twice with new HELOC ( XXXX, XXXX ). HELOC at 4.99 %, XX/XX/XXXX. 
Applied for 2.75 % mortgage with XXXX XXXX  to replace Citizens HELOC Mortgage application blocked, " prior Citizens loans paperwork not completed '' Managers at both Citizens and XXXX XXXX  unable to obtain information needed to from Citizens in order to complete the application. 
Lacking a successful outcome or reply from Citizens administration, I paid XXXX XXXX  attorney fees and title search fees. 
Letter to Citizen CEO, responded within days with completion of required paper work -- after 9 months and considerable expense. 
I requested reimbursement of my expenses, payment to Mortgage bank for their legal work, title search, difference in interest rates loan, professional time. 
Discussion with Citizens administration office. They flatly refused to reimburse my expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: TRUIST FINANCIAL CORPORATION
State: IN
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:
Regional Acceptance Corporation an affiliate of Truist, has violated bankrutpcy laws by reporting a balance on our credit that was paid through bankruptcy and any other amounts were discharged. Additionally, the lender released the lien due to being paid through the bankruptcy. I am filing suit against Regional Acceptance and Truist ( BB & T )

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