BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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 bought a debt that was in my name but was not mine Enclosed is a letter from furnisher stating that the debt was not mine I have contacted Portfolio recovery and credit reporting companies to remove this from my credit report all refuse to do so. portfolio recovery need to remove the credit companies did an investigation and portfolio came back verified please get them to remove it at once they have damaged my credit enought enclosed is a copy of letter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, XXXX XXXX started garnishing my checks on the behalf of Navient. In addition to the garnishment I also had to voluntarily pay {$5.00} per month, for 5 months to satisfy the program. The final payment was received on XX/XX/XXXX but they continued to garnish my check up until XX/XX/XXXX. I have been in contact with this office since XX/XX/XXXX, both XXXX XXXX  and Navient, attempting to remedy the situation. In XX/XX/XXXXI received two reimbursement checks for that months overages, while still being garnished. Per the supervisor I spoke with today, I am still owed {$590.00}. I've been told the checks would be sent to me after 30 days of the garnishment but that has not happened either. I was told the remaining checks would be sent to my employer, unlike the others that were mailed directly to me because my account has been transferred to a 3rd company known as XXXX XXXX XXXX   whom I have no dealings with at all, no contract whatsoever. The only reason my check was not garnished this week is because I'm working for a different company now but I'm being told the checks will be sent to my former employer instead of being mailed to my home like the previous ones were. I would like some assistance with this because I have been dealing with this for 3 months now only to be continuous told " we understand '' but nothing is being done to return my funds. This is theft and I'd like some assistance in remedying the situation. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX new account # XXXX on my credit report debt collector company.. phoenix financial services ( bussines type yc ) XXXX XXXX XXXX XXXX XXXX XXXX in XXXX debt amount {$1000.00} .00 account to old to be on credit report and inacurate amount of money. Acct previously closed and removed on 3 mayor credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Ive had this card for over 18 years and they offer reward points that can be redeemed for store cards. I accumulated XXXX point which qualified me to receive a XXXX XXXX card for {$250.00}. I requested the card in XX/XX/XXXX. I didnt receive it within the timeframe that they stated. I called them in XX/XX/XXXX and they verified that I didnt receive the card so they added back the XXXX points so I could request the XXXX XXXX card again. I did so and the same thing happened. I didnt receive the store card. I called them again in XX/XX/XXXX and was advised to file a claim for an investigation so they could research the issue. They also credited my account with the XXXX points and I redeemed them again for the XXXX XXXX card. I filed the claim over the phone with them and nothing was done. I didnt even receive a call to advise me of the outcome. Again, I called them, at this point it was already XXXX. They credited the points back to my account so I could redeem my rewards again. At this point I gave up requesting the XXXX XXXX card to see if I would have better luck with a different reward. On XX/XX/XXXX I redeemed the XXXX points that I had accumulated. I requested several store cards which to this date XX/XX/XXXX I have yet to receive. Is there anything you can do to help me get these rewards that I have earned? I really dont want to spend anymore hours on the phone with them and not get any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX credit card did a hard credit check, without consent. I have there card, if there going to check. My current score it should be a short credit check. 
thank you

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 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX has reported inaccurate payment history information to my credit report and has refused to remove it. This inaccurate information has been on my credit report since 2017. Some credit reports show 1 late payment and others show 2 late payments, both of which are inaccurate. I was never notified that these payments were late.

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 2020-06-29
Company: EQUIFAX, INC.
State: LA
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:
This balance is highly inconsistent erroneous Harmful information displaying on credit report 3 different balances $ XXXX fraud $ XXXX fraud $ XXXX-fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Tribal Lending Enterprise, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is claiming I owe them over {$1400.00}, problem being I never borrowed money from that establishment ... they are located on an XXXX XXXX, so they are exempt from state law.. I am the victim of identity theft ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca 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 2017-12-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had written out for {$600.00} ( Check # XXXX ) on the evening of XXXX/XXXX/XXXX. Any checks I write never usually post until either the next day two days later. For some reason, the aforementioned check deposited that evening. 
I specifically wrote the check then because I knew I was going to be paid XXXX XXXX/XXXX/XXXX, approximately 4-6 hours prior to the check being deposited in the amount of {$3000.00} ( PPD ID : XXXX ). Within this time frame, chase debited my account for 2 charges resulting in a {$70.00} overdraft payment. 
Due to the unethical nature of these overdraft fees, I request a full refund of the {$70.00} to my account. Please do not respond with " you have exceeded your overdraft fee refunds for the year '' as this is clearly an extenuating circumstance due to a computing anomaly on the banks part. 
I do n't believe that it is my problem that Chase found a way to take my money and delay putting other monies in. I also believe that it is unconscionable to assume that a consumer would benefit from a 4-6 hour loan at an interest rate of a few hundred percent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-06
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: Old information reappears or never goes away

Complaint:
Duplicate of prior complaint that TU has not resolved. In XX/XX/2018 a  lender made an error in processing a payment and reported us 30 days past due. After the error was discovered and cleared up, the lender submitted updates to change that payment status. TransUnion for some reason processed this as a second account from this lender with the same account number, one appearing with the past due from XX/XX/XXXXand the other showing the correct payment history. This has been disputed with TU multiple times. Each time, they correct the issue, and then the duplicate account appears again. This does not happen with any of the other credit bureaus. This results in a late payment appearing, along with the outstanding balance and monthly payment due being double-counted. I have submitted yet another dispute with TU, but believe this needs to be escalated so that they can fix whatever problem they have processing this particular 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 2022-08-11
Company: Experian Information Solutions 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:
I have submitted disputes to you and I didn't a response within 30 days and ya '' ll are required by law to do so. Please investigate my disputes. Thank you!

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 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$570.00} XXXX/XXXX  XXXX {$4100.00} XXXX/XXXX  XXXX {$510.00} XXXX XXXX XXXX {$85000.00} XXXX/XXXX  XXXX {$800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: EQUIFAX, INC.
State: VA
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: Problem getting your free annual credit report

Complaint:
Today is XX/XX/XXXX. I ordered by phone a free credit report from Equifax on XX/XX/XXXX and still have not received it. This has happened before to my husband with Equifax on XX/XX/XXXX. I don't know whether it was mailed and delivered to someone else, thereby exposing my private financial information to someone else or that is was never mailed out. I like to order online but frequently I am rejected without explanation. The message says that they can't provide it online to me and that I must call. 

My husband complained to you back then and nothing was resolved. How much longer will this ineffectiveness go on?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 FCRA requires that a CRA reasonably reinvestigate any disputed information contained within a consumer 's credit report after receiving a direct dispute from the consumer. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Upon receiving such a dispute, a CRA has thirty days to perform the reinvestigation and to notify the consumer of the results. 

The CRA TransUnion, XXXX, and XXXX are not conducting reasonable reinvesting with XXXX serving regarding credit history from XXXX to XXXX regarding student loan debt. 

All loans has been in a current status from XX/XX/XXXX-XX/XX/XXXX and never late. Two student loan were report as being paid in full in XX/XX/XXXX but has been deleted from my credit report with the three CRA. 

On XX/XX/XXXX all accounts were paid in full but were delated by the three CRA due to my XXXX and race. 

The bankruptcy case was closed and discharge in XX/XX/XXXX and hasn't been removed by XXXX. The collection item with XXXX is not accurate information and XXXX has not investigated the matter. 

TransUnion has not investigated the credit history with XXXX serving from XX/XX/XXXX- XX/XX/XXXX. 

XXXX has delete my credit history with XXXX serving after the account were paid in full on XX/XX/XXXX. 

All inquiries are fraud and were I didn't give my consent to anyone but XXXX XXXX XXXX. 

Under the FCRA, CRAs have a duty to follow reasonable procedures to assure the maximum possible accuracy of consumer information when preparing a consumer report. 15 U.S.C. 1681e ( b ). In order to maintain a cause of action under 1681e ( b ), a plaintiff must show that : ( 1 ) the CRA negligently or willfully failed to follow reasonable procedures to insure the accuracy of the credit report ; ( 2 ) the information was inaccurate ; ( 3 ) there was an injury ; and ( 4 ) the injury was a result of a failure to follow reasonable procedures.

XXXX, TransUnion and XXXX has not provided any evidence to establish that the did an investigation under the FCRA regarding all dispute from XX/XX/XXXX-XX/XX/XXXX. The FCRA requires that a CRA reasonably reinvestigate any disputed information contained within a consumer 's credit report after receiving a direct dispute from the consumer. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Upon receiving such a dispute, a CRA has thirty days to perform the reinvestigation and to notify the consumer of the results. 

I haven't received any results from the CRA under the FCRA regarding my student loan dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: ALLY FINANCIAL INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
( XXXX ) NOW ALLY FINANCE WHICH SHOWS ON MY CREDIT AS XXXX HAS ACCT ALL WRONG AND WILL DO NOTHING ABOUT IT IT IS 72 MONTH CONTRACT STARTED XX/XX/XXXX. SHOULD BE DONE XX/XX/XXXX I HAD 3 EXTENSIONS WHICH PUSHS MATURITY DATE TO XX/XX/XXXX.? THIS IS VERY EASY TO SEE I HAVE PAID OVER 30000.00 That was XXXX loan. I had to pay until XX/XX/XXXX to pay loan off they ended up with extra 18 months, you can look at XXXX and see all the notes they made me pay 90 months on 72 month loan with only 1 time 30 days late. I always paid my late fees. I have copy of my contract and credit report backs up my claims, the math does not add up. I paid XXXX more than what I should have, XXXX at 18 extra months that should not have been .. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX Status : CONTACT XXXX FOR STATUS Account Owner : High Credit : {$17000.00} Type of Account N/A Credit Limit : Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : Scheduled Payment Amount : {$450.00} Date of Last Activity : XX/XX/XXXX Date Major Delinquency First Reported : Months Reviewed : 90 Creditor Classification : Activity Designator : Paid and Closed Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : XX/XX/XXXX Type of Loan : Auto Date of First Delinquency : N/A Comments : Consumer disputes this account information 81-Month Payment History Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX NR NR * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR 30 NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XX/XX/XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR PLEASE HELP WITH THIS XXXX IS A LOT OF MONEY THAT I COULD HAVE USED NOW COMPONDED WITH INTEREST WOULD BE MUCH MUCH MORE. 
THEY JUST LAUGHED AT ME, AND SAID GOOD LUCK. THANKS 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 explanation
Consumer complaint received 2018-04-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Citizensbank has charged me {$490.00} in overdraft fees, by minipulating my account, double charges, and holding checks and deposites. I have opted out of " overdraft protection '', and take frequent screen shots of my account to document their illegal practices./

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have tried to open up an account with Wells Fargo, but I wasnt approved. I received a letter being told to contact this website for more information. I also opened a debit card with another bank, which the bank closed.

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: U.S. BANCORP
State: GU
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Date opened XX/XX/XXXX Original charge {$8400.00} Credit limit : {$11000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$11000.00} from XX/XX/XXXX to XX/XX/XXXX Loan type : credit card from US Bank XXXX, Ohio Message : I did not open any credit card from XXXX. It still reflect on my credit score. please help me to clear my name. 
Thank you.

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 2021-07-01
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: Information belongs to someone else

Complaint:
I recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was trying to pay a medical bill online in the amount of {$740.00} according to the amount on my XXXX credit report dated on XX/XX/19 and online it will not let me pay less than {$1000.00} I have requested contact from this company several times and they have refused to contact me so that I may pay close and close this account that have not taken any action to help me close this account, california business bureau will not let me pay this amount

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation