BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Re :  Portfolio Recovery Acct #  XXXX  Last year,  Portfolio Recovery Associates  bought an old account from  XXXX   XXXX  and started attempts to collect it from me. As part of these attempts, it reported the account as a collection to a number of consumer credit reporting agencies, such as   XXXX    and  XXXX   XXXX .     I was concerned about the impact of this to my credit. I called and specifically asked  P.R.A. if they could request deletion of their tradelines to the credit bureaus if I paid and settled the account. I was told P.R.A.  was willing to do this, and I settled the account on  XXXX   XXXX ,   XXXX  .     As of  XXXX   XXXX ,   XXXX  ,  Portfolio Reco  very  is continuing to report the aforementioned account to the leading credit reporting bureaus. In fact, when I disputed the tradeline to  XXXX   XXXX ,  P.R.A . apparently told  XXXX   XXXX  the information should remain reporting to my credit and not removed.     PRA agreed to request deletion of this account once I paid off the debt, so this reporting should cease.   The  XXXX  debt was paid off in  XXXX    XXXX   and has yet to be removed from my record  three  months later.   I request that this account be deleted, as promised, since I upheld my side of the agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
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 information incorrect

Complaint:
I have been a Kohls credit card holder for over 4 years. Recently I had a balance of over {$600.00} that I thought I completely paid off so I wasn't expecting a payment to be due at all. This was in XXXX, fast forward to XXXX I get a alert from XXXX XXXX that I had a 30 day late reported on my Kohls card. i immediately looked into it and realized there was a {$10.00} balance left from XXXX ( I don't know why ). I have been in XXXX  since XXXX, so I did not get any statements as my address is in XXXX, besides that I did not receive a phone call in XXXX or XXXX from Kohls to let me know that I had a missed payment. Now I am in the middle of purchasing a home and I have never been late on this card, Kohls refuses to take ownership of the fact they never notified me that I missed a payment. a {$1.00} minimum payment was apparently due in XXXX. Now my life is ruined for {$1.00}. Please there has to be something you can do to help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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 sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/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

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 2022-08-31
Company: TRANSUNION INTERMEDIATE 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX Date Opened XXXX XXXX, 2015 Balance : {$1400.00}

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 non-monetary relief
Consumer complaint received 2017-04-19
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My student loan servicer is  Navient . I have submitted all appropriate documentation for ym income based re-payment plan since my graduation in   XXXX   XXXX  . I have submitted twice and spoke with several different people since this time. I am receiving emails stating there are documents in my inbox on their website but can not find any documents. I have brought this issue up and the representative pushes the issue aside and never address it. As of today  X/XX/XX  I have not been approved, denied, or placed on any kind of repayment plan. I keep having to forbearance my loans or make partial payments. I feel that I am stuck and helpless in trying to pay back my student loans. I am trying to repay my loans but  Navient is  not helping or working with me to resolve. I feel whats in the best interest of the customer/student repaying is not a priority.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: World Acceptance Corporation
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I demanded updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your absence of reply, or responses which I categorize as frivolous, you have dishonoured FCRA regulations and my request for verification. If you request to correct this dishonour, I will give you one further chance to correct your faults and update my records. Please CORRECT the accounts, as they are already amended from the other bureaus. You have 30 days to CORRECT these accounts listed below : 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 2022-08-31
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I demanded updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your absence of reply, or responses which I categorize as frivolous, you have dishonoured FCRA regulations and my request for verification. If you request to correct this dishonour, I will give you one further chance to correct your faults and update my records. Please CORRECT the accounts, as they are already amended from the other bureaus. You have 30 days to CORRECT these accounts listed below : 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 2020-06-22
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Caine & Weiner XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX RE : Ref # XXXX To Whom It May Concern : Pursuant to my rights under the Fair Debt Collections Practices Act ( FDCPA ) and other state and federal debt collection laws, I hereby request that you cease and desist and communication with me, as well as my family and friends, in relation to any and all alleged debts that you claim I owe. 

You are notified that if you do not comply with this request, I will immediately file complaints with appropriate state and federal regulatory bodies, including but not limited to, attorneys general, the Federal Trade Commission, and the Consumer Financial Protection Bureau. Civil and criminal claims will be pursued. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: NY
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:
I call them and spoke with someone about get this resolved and removed this off of my credit report this is very I call them XX/XX/2018 and they told me they was to have it removed but they never did it so Im writing yall to have it removed now please help me thank you an advance. 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 2018-05-04
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Online Information Services , Inc. violated the Fair Debt Collection Practices Act, Fair Credit Reporting Act, North Carolina Collection Agency Act, and other applicable state statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
To Whom It May Concern, I have a personal credit card with HSBC Bank. I have a credit balance on my card of {$150.00} ( meaning the bank owes me {$150.00} ). I requested that HSBC send me a check for my credit balance, but they have refused. 

I originally requested this check on XX/XX/XXXX. I was told the request was processed. 

After not receiving the check, I followed up via online chat on XX/XX/XXXX and was informed by the customer service representative that a check was mailed on XX/XX/XXXX. 

After again not receiving the check I followed up with the bank on XX/XX/XXXX via online chat and was told that it can take up to 7-14 business days for the check to arrive and that yes they had sent it to me. 

After still not receiving the check I sent a secure message to HSBC on XX/XX/XXXX to ask about the status of the check and to inform them that a further delay in getting this check was not acceptable. 

HSBC responded on XX/XX/XXXX indicating that they would not send me a check for my credit balance even though my most recent statement indicates they owe me {$150.00} in cash. 

I am requesting that the bank honor its debt to me and issue a check for the balance on my account. 

Thank you to all for assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a savings account with CITI bank ( XXXX, Florida ) among other accounts with the same bank. 
While longing in my online banking I was offered a promotion saying if I keep certain amount of money in my savings account for 3 months I get {$50.00}. I did it. Never received the reward. I contacted the bank, they told me if I didnt have the " promotion code, they were not able to locate the promotion. They told me not to worry, that they will use a new code, and to wait another three months to get the reward ( in other words, to do all over again ). I did it. No reward. I contacted the bank. Same response. Asked to check on their records, they should have my first complaint. No response. They asked me to do it all over again. Did it. No reward. 
My complaint is the Citibank is misleading and false advertising to incentivize me to keep certain amount of money ( XXXX ) on my savings account, so they can used as their want, but never give the reward. 
I would like to get {$15000.00} as I have had that amount of money for more than a year. If that is not the case, I just would like to let you know what they are doing. 
Thank you very much. 
XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL, XXXX Cell 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 2017-04-11
Company: Collection Bureau of the Hudson Valley, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Continue to get phone calls and letters threating legal action from  Collection Bureau  of  the Hudson Valley.   XXXX   XXXX   XXXX   XXXX ,  XXXX , NY  XXXX . Phone #  XXXX . The listed creditor is  XXXX  which advertised a scam service in my area offering internet and TV services they could not provide. They offered 30 free service at no charge or installation fee and cancellation at any time. I cancelled the service after 2 days because it was not what was advertised and did not work at all. I returned the hardware myself on the 3rd day and got a receipt. Notified  XXXX  that the service was not what what was advertised which they admitted saying that they  may  have the advertised service in my area ib years to come.  XXXX  agreed there was no charge for trying the service.   The collection  Bureau   of Hudson Valley is operation a fraudulent scam and I demand that you stop them and penalize them with monetary damages at the very least.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-19
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved out of an apartment in   XXXX   XXXX     and received my final bill from my electric/gas company "  XXXX   XXXX  '' in MA. It was more than I expected ( because I was canceling a " budget plan '' too early ), but nonetheless paid it via the automatic withdrawal that I had setup with my accounts that was in place the entire time I was in that apartment. I even confirmed with  XXXX   XXXX  support staff that my outstanding bill would be automatically withdrawn for the full amount.     Months passed and I received a letter from a credit collector  " Transworld Systems Inc. '' th at I had an outstanding debt of {$280.00}, which was not any of the amounts that I was told by  XXXX   XXXX  which makes this highly suspicious. I told them that this was an error and they did n't contact me via mail/email/phone for another 4 months and then I got another letter in the mail. This needs to be resolved by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
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 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 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-03-04
Company: JPMORGAN CHASE & CO.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX lease XXXX XXXX XXXX XXXX XXXX SC XXXX 

Lease financed thru XXXX XXXX XXXX XXXX/Chase Auto . 
The vehicle was registered in SC the entirety of the lease XXXX. 
The vehicle taxes were paid to SC the entirety of the lease XXXX. 

10-months after the vehicle was turned in I received a bill from Chase Auto in the amount of {$860.00} for taxes owed in TX.

Again, the vehicle was registered, garaged and taxed in SC the entirety of the lease.

I have called 3-times. I have sent a certified letter. I have spoken with 3 Chase representatives today. And I finally paid the bill in protest today, fearing Chase would ruin my credit over their blunder! 

I am providing all vehicle registrations. 
I am providing all SC tax receipts. 
I have names of Chase reps with whom I engaged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX account number XXXX This home equity line was opened in XX/XX/XXXX and was originally with XXXX. It was sold to XXXX and subsequently sold to XXXX. When the account was sold to XXXX it basically disappeared. There was no record of the account on my credit bureau nor could I make payments on the account. My bank records for XX/XX/XXXX only go back to XX/XX/XXXX, and no payments were made during that period ( I ca n't recall any payments made in XX/XX/XXXX ). There was a payment posted in XX/XX/XXXX with XXXX, and then because of the transfer to XXXX, I was unable to make payments. 

My credit report is showing last payment made on XX/XX/XXXX, however, there is no record for day of first default. I have contacted XXXX and filed disputes with all three bureaus with no resolve. My dispute is with the reporting of the account. It disappeared from my bureaus for about 3 years and then randomly came back just over a year ago. Proper recording of the account is required by law and I am having no luck with anyone. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation