BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: Capio Partners, LLC
State: TX
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 XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 : states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency CAN NOT furnish an account without my written instructions. 

15 USC 1666B : a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late and for purpose.

To whom and all this may concern :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
2nd request. Errors on my report not rectified, please see attach ID and ss card per your request. AGAIN

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 2017-03-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This was originally taken off the credit reports after being disputed. They decided to put the debt back on the credit report and now are falsely stating that the first major deliquency was from XX/XX/XXXX when the card in fact is from XX/XX/XXXX-XX/XX/XXXX. They are making the card and charge off look newer than it actually is. The original creditor is still on my report with the correct date. They are trying to sabatoge my credit report and even when disputed will not update with accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
well i had some financial issues and i have told them several times stop calling me/ as i am going for chapter XXXX and now my credit report is showing XXXX items for collections? it is hurting my credit report even more when i have told them over and over to take off my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13
Company: Google Compare Credit Cards Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I thought I had ordered tech support from XXXX for {$10.00} turns out I had nothing and XXXX  used Google pay to take {$10.00} off my gift card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
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:
XXXX  XXXX XXXX {>= $1,000,000}. I have reached out to this company several times in reference to these accounts. XXXX  XXXX offered to put loan in deferment to investigate and will remove these accounts while they investigate. These accounts are fraudulent fed loan is now violating fair debt reporting act. please assist

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 2016-01-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
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 received a collection letter from Portfolio Recovery Associates concerning a computer system purchased from XXXX XXXX through XXXX XXXX. The computer was purchased around XXXX 2011, with no interest charged due to my high credit score. This system was paid in full on XX/XX/2011 by electronic payment from my credit union. I have the XXXX statement showing the full amount of the last invoice I received from XXXX as paid. Portofolio Recovery is demanding payment in full of {$1000.00} even after I provided a copy of the XXXX 2011 CU statement showing the final invoice amount of {$370.00} as paid from my account. They continue to send letters with additional demands which I answer within their time limit, but I do not send additional information except to inform them that their info is incorrect and that I never received any correspondence, of any type, from XXXX, concerning this bogus past due account. I also informed them, to no avail, that IF this was a past due account any reputable company would have made contact sooner that four years after the fact. I understand that this company has some very questionable history in matters of this type.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a follow-up to your recent email to me on my complaint # XXXX, stating that J P Morgan Chase is working on the complaint and will provide feedback to me within 60 days. Oh, they are working on it, all right ; just " running out the clock. '' This matter could easily be researched and resolved in just one day 's time, but they clearly do not intend to do so, now or ever. They have just notified me of their intent to escalate my mortgage to the stage of foreclosure, which could likely be achieved in less than 60 days, thus confirming the fear I have had all along that they intentionally put me in an illegal, unaffordable loan situation to drive me into foreclosure so they could destroy me and be done with the mortgage forever. Unless you demand from them an equitable resolution as soon as possible, I shall be irretrievably ruined financially, with no home and no hope.whatever. Thank you for your attention to my case, and, please come to my rescue. I am fighting for my home, my life, and I am confronted by an adversary with nearly unlimited resources, and who is as unscrupulous and corrupt as they are bureaucratic and inefficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: EQUIFAX, INC.
State: CA
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:
Upon Review my credit files, it showed a Collection from XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past. This account was mistakenly reported by XXXX and I have reached out to settled with the creditor. I have no association with XXXX service as I am a customer with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I recently learned from XXXX that a address located in Michigan was on my credit report in 2017. 
I never lived there, visited there and as far as I know I do n't have family there. 

My drivers license have been stolen, social security card have been stolen. 
I received a letter from social security in 2017 and told to file a civil action law sue. They are aware of fraudulent activities with my social security number.

IRS is fully aware of these fraudulent transactions made persons other than myself. 

XXXX Police is investigating, several reports have been filed by me. I reported theft of my identity to the bankruptcy courts. The Supreme Court to be exact.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have tried to settle my account with XXXX Hunter Warfield for the last 6years.. and they have refused to accept my releting fee for the amt of {$580.00} and has been decline by several agents including Management team..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX. Company 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020, I tried to use my Chase ATM Debit card to withdraw money. I wasn't able to. On the XX/XX/2020 I called Chase Bank and asked why I wasn't able to withdraw money. Customer Service told me that my accounts were being closed. They were unable to give me a reason. They told me that my money would be issued within 10 business days and that if I wanted more information, I would have to go into a Chase Bank Branch in person to request the reason why. I went to a Branch on XX/XX/2020 and was told that they did not have any additional information to give me. The branch manager called the " backoffice '' for me and they told her that they could not tell her why they closed my accounts. They told me that they would issue me a letter. I received a letter saying that the Bank had decided to end my relationship and that no further information would be given. I have perfect credit, have never had a bounce check or late payment but was still not given any reason. My Checking account ending in XXXX had a balance of {$7800.00}. My account was closed " OFFICIALLY '' on XX/XX/XXXX. The account was put on restriction on XX/XX/XXXX and I was not allowed to withdraw my funds. Today is XX/XX/XXXX and the bank has not released the funds. After spending 2 hours on the phone, I was told that my account was under review with Loss Prevention and that the funds could not be issued. I explained to the representative that I was told the money would be sent. Chase refuses to tell me when my money will be released and they told me to call back on Monday the XX/XX/2020. The bank is holding my money hostage and will not release the funds. I want to know why they are doing this and why they closed my accounts without any warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I informed The consumer reporting agencies, XXXX, Experian, and XXXX of inaccurate reporting of my credit file. It is now over 30 days and they have not provided me a response. They are negligently violating my federally protected consumer rights.

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 2017-05-20
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My Experian credit bureau was pulled by  XXXX   XXXX   XXXX  on      XX/XX/2015 .   I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.

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 2022-05-16
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have wrong addresses and phone numbers on my credit report, I have not lived at all these addresses. There should only be one address on there and that is XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX that's it. Please remove them from my credit report because they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: ALLY FINANCIAL INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My account was compromised and someone began making fraudulent transactions on my account. I received a phone call from the fraud department letting me know that fraudulent transactions were taking place. My debit card was cancelled and a new one was sent out. I called to ask whether the thief took my debit card number or had hacked my account, I was told it was the debit card and a new card would solve the problem. Fraudulent transactions continued. New debit card was canceled and this time, the representative claimed the thief had taken my account number. I set up a new checking and savings account over the phone with a manager. As I was setting up the new account, my account was actively being hacked by the thief. I was also told that this person ordered a new debit card to his address and changed all of the contact information on my account somehow. This second account was then hacked as well, despite there being no way the thief could have taken this new information. My account has been frozen off and on for approximately a month and two weeks now, and most of my money has been stolen. I have not had access to my money for such a long time, my bills are piling up and Ally won't answer the phone. I have never received a debit card or checks to my new account and have never had online access either. Now I am trying to close my accounts and receive a check with what remains of my balance, but Ally is refusing to return my money and refusing to close the accounts.

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 2015-07-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Portfilio Recovery Associates XXXX XXXX XXXX XXXX VA XXXX, is trying to collect a debt I have disputed as not mine. They sent me after I disputed the charge for {$220.00} and it appeared a charge on my account that was a result of some sort of Identify theft or a charge that is fraud. 

PRA sent me a copy of my XXXX XXXX statement and it did not document the actual charge or merchandise that they supposed I did charge. I believe if it is my mine, which I do not believe since they have unable to send me any XXXX XXXX charge slips that show my signature for this disputed charge, even though I have requested in writing XXXX times for this documentation. 

PRA is calling my home up to XXXX times day, even though I have disputed this charge. This is in violation of both Federal and State statues which prevent harassment from these types of tactics. 

I would like PRA to provide me with the actual charge slip that backups the supposed charge that I owe or discontinue the collection of this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: ENCORE CAPITAL GROUP 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 status incorrect

Complaint:
This account was paid in full however this company is still reporting on my credit report as being in collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
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: Personal information incorrect

Complaint:
I have wrong addresses and phone numbers on my credit report, I have not lived at all these addresses. There should only be one address on there and that is XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX that's it. Please remove them from my credit report because they are inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX  is not reporting correct information nor providing documentation of my payment history to the 3 major credit bureaus. I have never been late with payments. I have disputed several time with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
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: Account status incorrect

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from 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 2021-12-10
Company: Mobiloans, LLC
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Sent to a mediator or collector of some sort refused to give any information other than what was owed no apparent knowledge of date or year of loan. Yelled over me on the phone claiming I needed to pay {$1200.00} now or Id be sued for {$4000.00}. No notices ever sent in the mail claimed I took out the loan using an employer that I havent had in 6 years and accused me of writing fraudulent checks.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-07
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Got accepted for Citi AAdvantage XXXX XXXX. 
Citi will not activate card or close card or send letter in a speed fast enough to catch my location on 100 % travel.

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 2022-05-16
Company: EQUIFAX, INC.
State: MS
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 AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX & EQUIFAX DATE OPENED-DATES DIFFER FROM XXXX & EQUIFAX BALACE- AMOUNT SHOWN AFTER ACCOUNT CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX & EQUIFAX PAST DUE- AMOUNT SHOWN AFTER ACCOUNT CHARGEOFF LAST REPORTED- DIFFER FROM XXXX & EQUIFAX DATE LAST ACTIVE- DIFFER FROM XXXX & EQUIFAX DATE OF LAST PAYMENT- DIFFER FROM XXXX & EQUIFAX PAYMENT HISTORY- DIFFER FROM XXXX & EQUIFAX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.

Company response to consumer: Closed with explanation