BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
3 different collections I settled with portfolio Recovery to completely delete them from my account and I have proof and it has only updated to me paying some of it. When we paid for delete. XXXX XXXX XXXX sent to collections with portfolio should be deleted than 2 XXXX XXXX XXXX cards I paid for delete also I paid a XXXX XXXX XXXX which was settled for less and a XXXX XXXX settles for less

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Experian Information Solutions Inc.
State: CO
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:
Consumer Financial Protection Bureau, I received two letters from XXXX XXXX XXXX, one in XXXX and one in XXXX XXXX, showing a lesser balance than what appears on my XXXX, XXXX, and Experian credit reports. I wrote a letter with copies of the XXXX XXXX letters from XXXX and XXXX XXXX, and mailed it to all four companies on XXXX XXXX, XXXX, informing all four companies of the incorrect reporting. I received a letter back from all four companies : XXXX, XXXX and Experian and XXXX XXXX XXXX in XXXX XXXX that the amount was correct and would not be changed on my credit report. Thank you. Concerned Customer

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 2023-05-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I notice some inquiries on my report that I did not authorize. Here are the list of inquiries 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: NE
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:
I have not supplied proof under the Doctrine of Estoppel by Silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In accordance with the fair cridit reporting act XXXX  Account XXXX XXXX have violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15USC 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 noy trear a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22
Company: EQUIFAX, INC.
State: CO
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:
Consumer Financial Protection Bureau, I received two letters from XXXX XXXX XXXX, one in  XXXX and one in XXXX XXXX, showing a lesser balance than what appears on my XXXX Equifax, and XXXX credit reports. I wrote a letter with copies of the XXXX XXXX letters from XXXX and XXXX XXXX, and mailed it to all four companies on XXXX XXXX, XXXX, informing all four companies of the incorrect reporting. I received a letter back from all four companies : XXXX Equifax and XXXX and XXXX XXXX XXXX in XXXX XXXX that the amount was correct and would not be changed on my credit report. 
Thank you. 
Concerned Customer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: NAVY FEDERAL CREDIT UNION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
After having my phone service hacked and my bank account defrauded, I have received XXXX credit cards that I did not apply for. They include credit cards from Navy, federal, XXXX, XXXX and XXXX. And my email was changed without my knowledge at my phone service from XXXX to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-07
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX while reviewing my Credit Reports from XXXX, XXXX, and XXXX I noticed a collection account listed for an account I have no knowledge. The original creditor stated is XXXX XXXX. I have never done business with or entered any contract with XXXX XXXX. The account was reported to all three agencies on XX/XX/XXXX and continues to be reported each month by the following Collection Agency : PDQ SERVICES , INC . 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX On XX/XX/XXXX after discovering this fraudulent account I sent a letter via USPS Certified Mail Return Receipt Requested requesting validation of this debt including any document that contained my signature. I received the signed Return Receipt on XX/XX/XXXX. According to the FCRA, the company had thirty days from receipt of my letter to provide validation of the debt. As of today XX/XX/XXXX I still have not received anything from this company. Therefore, I filed a dispute with all three credit reporting agencies in which PDQ Services , INC. replied to them that the account is being accurately reported. The credit reporting agencies have closed the dispute stating the same. However, if the creditor could not simply validate the debt for me the consumer, the credit reporting agencies can not state the account is being reported accurately. I want this account removed from all credit reporting agencies as it is fraud and I have no knowledge of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: U.S. BANCORP
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went into a program called XXXX XXXX XXXX. I had another account with US Bank that I also put in this program as well but the account ending in XXXX is the only one that US bank is showing incorrectly on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-04
Company: Choice Recovery, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a collection letter from Choice Recovery Inc. alleging a debt to XXXX XXXX XXXX in the amount of {$120.00}. I responded in writing to inform Choice Recovery Inc. that I have no record of any {$120.00} debt to XXXX XXXX XXXX, which office routinely makes billing errors, and that a bona fide dispute exists as to whether or not this debt exists. I did not hear back from Choice Recovery Inc. ; certainly they did not provide me any documentation to evidence the existence of this debt. However, on XX/XX/2018 Choice Recovery Inc. informed the credit ratings agencies that this debt had been placed for correction. My FICO score dropped immediately dropped from XXXX to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Starting in XX/XX/XXXX, I began disputing a XXXX XXXX Credit Card account with the credit bureaus. This account was fraudulently opened using my personal information. All required documentation was provided, including my FTC report and a copy of my ID to validate my personal information including my address. The CRA 's immediately blocked this fraudulent account and provided all information to XXXX XXXX per my request. XXXX XXXX sent me a letter on XX/XX/XXXX confirming they were investigating everything, and on XX/XX/XXXX they sent another letter confirming their investigation was complete and they concluded I am still responsible for the account. No documentation was provided. 
On XX/XX/XXXX I received a letter from XXXX XXXX, stating that my account was at risk of being referred to a collection agency. 

On XX/XX/XXXX I sent a letter to XXXX XXXX requesting reinvestigation, and reiterated that I am a victim of identity theft and requested all specific records and documentation from their investigation pursuant to Section 609 ( e ) of the Fair Credit Reporting Act. I made sure to include all required documentation to support my claim for identity theft, including 1. A copy of my drivers license & social security card 2. A completed and signed FTC Identity Theft Report. 

XXXX XXXX wrote back on XX/XX/XXXX with the exact same letter as what was sent on XX/XX/XXXX. Absolutely zero changes made, and no further documentation was provided. 

As of XX/XX/XXXX, I received my first communication from a debt collection agency named GC Services Limited Partnership. This agency made claim that the XXXX XXXX  credit card account was referred to them. 

The actions taken and NOT taken by XXXX XXXX are a serious violation of the law. As a victim of Identity theft the law clearly states that once the proper documentation was provided to XXXX XXXX they are NOT supposed to sell or charge off the account. They did it anyway. AND they failed to provide ANY documentation in any of their communications to me to substantiate their investigation. Instead they provided their insight on what they think really happened when they KNOW that is NOT what the law requires them to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have repeatedly tried to have XXXX, Experian, and XXXX remove items from my credit report that wasn't mine. They've refused. Even when I filed FTC and police reports. Please have them remove the items listed in my FTC reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I purched a new car and was put on my fiance insurance. And was told that I had an accident on XX/XX/2017. I have never had a license or driven in my life. I called lexisNexis on the XXXX of XXXX to dispute the accident claim and was told that it happened to a person with the same name but opposite gender as me in a state I've never resided in. A month later I was informed that the dispute was denied due to my relation with someone I do not know. I have reopened the claim on XX/XX/XXXX and got denied again and reopend on XX/XX/XXXX and currently have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
They just took my number and never got back with 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 2023-06-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Ive been receiving statements for a card I never applied. My ss is compromised which makes this card a fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hi received marketing material from citizens bank about a cash bonus offer of XXXX if I fulfilled requirements - XXXX XXXX direct deposit within 60 days from account opening. The account would need to remain in good standing. I opened the account in XXXX of XXXX. My direct deposit went into the account on or around XX/XX/XXXX. I believe I added the promo code to the account opening application at the time but I had issues with the site. The site was also advertising the bonus at the time i wasnt too concerned but to be safe I also followed up with citizens after I opened the account to ensure the offer was attached to the application. I was told it was. On or around XX/XX/XXXX ( approx ) I fulfilled the direct deposit / offer requirements. 

I contacted citizens several times and was told the cash bonus would be paid XX/XX/XXXX. I sent several emails and even provided them with the code because I saved the marketing flyer. I spoke to a manager who then had it forwarded to a research team. The woman emailed me and mentioned that she would get back to me in 24-48 hours but I never heard from her again. I followed up via email. Nothing. I reached out several times but at this point it is beyond my comprehension how a bank can advertise like this and then make it so difficult to receive the promotion after fulfilling the requirements. Please address this. Hopefully it is not happening with others. 

I Reached out XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The code for the promo was provided and a rep on XX/XX/XXXX said it was good. I took a look at my notes and old mail. 

I believe this is the code below. It was one or the other. I cant remember but the mailer I have shows the first one below. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This is a follow up complaint to a previous case. 

Capital One Case : XXXX CFPB Case : XXXX In XX/XX/XXXX, you helped me obtain a resolution concerning a pair of accounts ( ending in XXXX and XXXX ) that Capital One reopened against my wishes. Their justification for doing so was that the joint owner of the account requested it be reopened. I had paid off the account in XXXX for the specific purpose of closing the account - the joint owner had no income and used the account without my knowledge. 

As a result of COVID and being out of the country, I lost track of the account that wasnt paid off in XX/XX/XXXX. Though they considered me joint owner, I received no statements, had no online access, and received no phone calls, letters, or other notification regarding the balance. 

On XX/XX/XXXX, Capital One reported a late payment on my credit report, reducing my credit score by 40 points. I am in the middle of applying for financing for my new business, have an automobile lease renewal coming up, and am preparing to apply for student loans for my child. The negative impact of their reporting is substantial. 

The day after I received notification of the late payment reporting, I called Capital One and paid the balance in full, over {$1000.00}. I asked why I was wasnt notified of a balance. They said that I was not the PRIMARY cardholder. How can I be a JOINT cardholder, held responsible for someone elses actions, yet I dont qualify to be notified when there is an issue with the account?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal - negative {$3500.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$3500.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$3500.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Chime Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent XXXX dollars to XXXX on XX/XX/2023 but the money was never delivered nor refunded

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Equifax refuse to dispute acct from XXXX XXXX XXXX ending in XXXX plus last 3 disputes took over 30 days with no reply from them. they also reuse to contact XXXX XXXX XXXX to correct error on acctt ending in XXXX i have talked to XXXX XXXX XXXX 5 times and they have confirmed they have contacted equifax to correct this but equifax refuse to correct data

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
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:
Bank of American and XXXX, XXXX, XXXX   credit bureaus. 
I purchased a XXXX XXXX financed by Bank of America in XX/XX/XXXX. The vehicle was a total lost on XX/XX/XXXX. BOA reported my credit as 30 days late for both XXXX / XXXX XXXX. I had a GAP Policy that covered this vehicle, which I was told when GAP pays it will be reported as paid in full. However, BOA is reporting it as a late payment for XXXX / XXXX. I dont think it should be on my report, after the had already received a check from GAP for this balance. Since then, BOA has financed another vehicle for me, but reporting this one as being 30 days late for XXXX / XXXX on my credit report. If I would have known, BOA was going to report this late fee on my account for a car that was totaled in XXXX. I NEVER would have financed anything Else with BOA. I have reported supporting documentation of confirmed payment. We are in the middle of a pandemic, the process with GAP may have been slower than usual due to the pandemic, but its unfair to make me suffer for this catastrophic. This is poor business in a ROCKY pandemic world. I have never had a late payment on my credit report and I am appalled at the action of BOA. This makes me sick to my stomach. I am asking BOA to remove the false statements made on my report. BOA received payment from Travelers in XXXX, but continue to try to collect payment from me. Please see attached documents. I will not stop until there is a fair decision made on this manner. Thank you 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 2023-02-26
Company: EQUIFAX, 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:
Ive previously reported fraud and inaccuracies on my credit reports regarding an account XXXX and this has still not been removed. The creditor goes by XXXX and I need this to be resolved. Ive since contacted the XXXX XXXXo report fraud

Company response to consumer: Closed with explanation