BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX shared inaccurate information with Experian without my consent, therefore putting inaccurate information on my credit report. I disputed two bankruptcies that were showing on my credit profile with experian no other bureau is reporting such information except Experian. I filed a disputed to resolve the inaccurate information and Experian came back and said they received the info from XXXX XXXX. I called  XXXX they investigated the information and came back with it deleted because they were not able to verify the bankruptcy to be accurate. I then sent those letters that XXXX sent me to Experian they never replied back to me so I sent another letter asking to verify where are they really getting the information b/c the courthouse does not provide this information to the credit bureau and XXXX could not verify the bankruptcies so where is Experian getting it from the othe credit reporting agencies are not reporting this. Per the Privacy Act of 1974 5 USC 552a Violations 31 USC 3711 ( e ) Violations Public Records Act Violations Commercial Purpose Declaration 42.56.070 ( 8 ) Condition of Disclosure Cybersecurity breaches of government computer Delete unauthorized Bankrupties I was never shown any document from experian where this information was verified. I never gave written consent to anyone to use my information against me especially when it's reporting inaccurate. Experian reps has lied to me several times about this information that I have requested requesting that they send me verification of the where they are getting the information and I have yet to received anything. Experian is mis using my information to hurt me and I will be looking into suing Experian once they see that they have provided inaccurate reporting of a banruptcy that I have tried to dispute after I have tried to reach out serveral times. Experian has ignored my calls and my letter sent to them in reference to this bankruptcy. Experian took information from a third party source who does not have this information in their sysytem but Experian has and used it to hurt my credit profile. Under the FCRA that is a VIOLATION and I want something done IMMEDIATELY!!!! Never once have Experian tried to resolved this matter as I take my credit profile serious.

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 2020-10-07
Company: PENTAGON FEDERAL CREDIT UNION
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I received the initial preapproval letter from PenFed Credit union on XX/XX/XXXX, XXXX.The loan is for a 30 year fixed loan. The expected close date of XX/XX/2020 was listed on the preapproval. On XX/XX/2020 I was allowed to do a 60 day lock. I have tried contacting the Loan Officer and the Loan Processor by phone and email. The loan processor have not called or emailed me back. I emailed both of them in the same email on Tuesday XX/XX/2020 letting them know I would be filing a complaint if I did not here from them today ( Wednesday XX/XX/XXXX by XXXX ). The Loan Officer emailed me back and stated he was busy catching up from weekend and he would reaching out to processor to provide an update. No update received. I've called the bank on a few occurs asking for assistance with no help received. I don't know where I'm at in the process and no one is telling me. They have not requested any information to support the pre-approval. If the close day is not going to happen on XX/XX/2020 the seller and the law office needs that information and I can't get it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
Opened XXXX XXXX, 2018 PORTFOLIO RECOVERY Account status Open {$1200.00} that i owe. 

I have never signed any written document saying that I owe this debt to the collector. 
they are violating my right of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
also, they have not verified that i owe this debt to this alleged company. 
please have this removed from all three credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: NY
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:
To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX Account # XXXX ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( Credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information, you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately.

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 2017-06-27
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I just wanted to notify CFPB of an issue I just dealt with at American Express in hopes others might benefit. I made a payment to American Express that was cleared at my bank on XX/XX/XXXX which is one ( 1 ) day before the payment due date of XX/XX/XXXX. American Express credited my account for the payment on XX/XX/XXXX and proceeded to charge me a {$38.00} late fee and {$0.00} finance charge, as well as raise my interest rate on the card. After I contacted the company about the discrepancy, the company agent informed me that the company had issues recently with a 3rd party contractor that applied payments late to many customer accounts. I was refunded and my account returned to its original condition. However, I received no prior notification of this issue at any time and I can only wonder how many other members have not had time to review their financial statements like I did. I always receive my bill notifications by email on time, but somehow when the company erred, the members were not notified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I live out of the country but maintain a US account as I intend to return eventually. Recently I received a notification that my account was in danger of becoming inactive, so I followed the instructions and made a transaction ( note there was no guidance on minimum size or number of transactions required ) Following this, I received another notification, so I called the bank to confirm that my transaction was valid, which they did verbally including stating explicitly that I need not do anything else. I inquired about he second notification and they simply said that their systems have not been updated but they will do so immediately. I asked for confirmation, ideally a letter, which they refused to provide. I then requested they make the notation in their XXXX tool, which they agreed to do. Most recently I reviewed my account and realised that they had closed the account and sent the funds to the state, exactly what they said they would not do. Upon calling them, they said that the information provided last time was wrong. They have referred me to the XXXX website however I can not locate my details in the database so I have no idea where my money is now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXXI notified XXXX utility company that my husband and I were surrendering our home to our mortgage company XXXX XXXX. We filed Chapter XXXX. We advised them our move out date was XX/XX/XXXX to shut off the electric as we would no longer be living there. We moved 2 hours away to XXXX XXXX XXXX XXXX, PA XXXX with my husband 's parents. We are still here. At no time did we ever receive another XXXX bill- we changed our address with the postal service and no mail came from XXXX . XX/XX/XXXX I received a collection letter from Transworld for XXXX bill for XXXX XXXX XXXX for almost {$900.00}. I called them. I called XXXX. I called the PA utility commission. I advised Transworld statute of limitations per PA utility is 4 years and XXXX  advised account no longer exists. They are refusing to remove the collection from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
Opened XXXX XXXX XXXX  Account status Open PORTFOLIO RECOVERY {$2600.00} That I owe I have never signed any written document saying that owe this debt to the collector. 
they are violating my rights of the FCRA as a consumer. 
i do not know who they are and have not written consent from my end. 
also, they have not verified that I owe this debt to this alleged company. 
please have this removed from all three credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I live in the state of Nevada. I bank with USAA Bank. There are no ATM 's, or Banks out here. I am a tip earner and I rely on XXXX XXXX service to get funds into my account immediately without having to wait 10 days for Money Order Deposit. No matter what I do I can not get ahead and this bank is charging me tons of Over Draft fees EVEN when my account is positive! Their system does not recognise the XXXX XXXX technology and because of this I am not able to get ANYWHERE and I 'm rolling and snowballing further and further in the hole with fees and in bad standing with my other creditors. Also, returning items EVEN when I have the funds in my OVERDRAFT PROTECTION account. I have literally exhausted all my options in trying to get money in my account to cover my expenses, called and complained and I 've been told I need to keep track of all of the debits out of my account. I explain to her that YOUR SYSTEM is crediting ELECTRONIC TRANSFERS up to 3 DAYS later even though making the funds available IMMEDIATELY therefore on my end I never go negative but there system they rearrange my transactions at the end of my banking day to make it seem as if I go negative when I do n't! I have n't taken any money out of my acocunt for the last 2 weeks only put money in and I still get a non-sufficient funds FEE for {$30.00}? Just because your system will not allow me to catch up and charging me fees on top of fees on top of fees and not taking my XXXX Withdrawals ( deposits ) into consideration at all only after everything is said and done? This is a huge issue for me and I have no money because I am trusting this bank and I 'm trying to explain to them that this is a SYSTEM ERROR and your system does not recognise XXXX XXXX as a deposit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
Bank of America has asked me to file his complaint Please don't close this again at both mine and Bank of America 's request until it has been sent to them. They are unaware of the below information. 

There were a few things I wanted to bring to your attention. 1. I was told when I first filed the complaint that it was well within the time limits to get the charge reversed. This was reinterated on a second phone call. 2. I was told when the resolution finally came forward, that there were just too many other people that had filed and they never got around to doing proper research and thus had missed the subsequent deadline to actually take action. 3. I had rented three units with XXXX properties and was overcharged on two of those rental units. One I had paid for with Bank of America Credit Card and the other I utilized my XXXX XXXX XXXX. I filed claim disputes with both at the exact same time. XXXX was able to reverse the charges working with the condo rental company. Given they were both XXXX cards and were for the exact same dates ( both the initial charges and the filing of the disputes ), I don't think your explanation makes complete sense to me. Can we escalate this as not only do I want the {$320.00} reversed and sent back to me but I want to help improve your systems for other clients. I look forward to hearing from you. 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 2022-03-08
Company: EOS Holdings, Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX EOS CCA, XXXX XXXX XXXX XXXX, MA XXXX has been sending me collections notices in the amount of {$220.00}. The collection has been reported as pasted due balance.I do not know this company. I have never done any business with this company. This company does not a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 pulled my credit report to make sure everything is correct and I came across information not matching. 
Everything on my credit report needs to be 100 percent correct or I have the right for a deletion. They have made several violations against me XXXX XXXX XXXX XXXX Acct Type- Detail information does not match Trans Union and XXXX XXXX Opened-information does not match Trans Union and XXXX XXXX Limit-information does not match Trans Union and XXXX Last Reported-information does not match Trans Union and XXXX Comments-information does not match Trans Union and XXXX Date Last Active- information does not match Trans Union and XXXX Date of last payment - information does not match Trans Union and XXXX Also XXXX is still reporting my account every month when they no longer have my account These are all violations especially still reporting ok as you can see in my credit report page I supplied.

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 2022-09-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
Opened XXXX. XXXX, 2018 Account status Open PORTFOLIO RECOVERY {$2100.00} That I owe I have never signed any written document saying that owe this debt to the collector. 
they are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
also, they have not verified that I owe this debt to this alleged company. 
please have this removed from all three credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and neither have they provided me with services or goods

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 2017-08-24
Company: ProCollect, 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: Their investigation did not fix an error on your report

Complaint:
Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. I have tried several times contacting the collection agency showing on my credit report " Pro Collect & XXXX XXXX XXXX '' for debt validation. I have also contacting the credit bureaus several times for debt validation. Neither has shown proof of debt validation. 

According to FDCPA the law states : " If the collection agency failed to validate the debt and has sent a notice of the debt to a consumer reporting agency, the notice of the debt must be removed. If not, send a notice of the failure of the validation to each consumer reporting agency that lists the debt. Unless the credit reporting agency can validate the debt, it should be removed from your credit report. If the collection agency sends you proof they have the right to collect the debt, the debt is yours, and the amount is accurate, then the debt is validated. '' It has been well over 30 days for the collection agencies and the credit bureaus for showing proof of debt validation. Therefore I am asking that Pro Collect Inc & XXXX XXXX XXXX to be removed from my credit report immediately.

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 2021-09-23
Company: JPMORGAN CHASE & CO.
State: MD
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 ordered a used auto part from XXXX XXXX on the XXXX of XXXX this year. The part I needed was a radio amplifier for my car radio. XXXX took my order and charged my credit card {$150.00}. 
When the part came, it was the incorrect part. They sent a radio rather than a amplifier for the radio. They are distinct parts. ( see pictures ). I called XXXX and they apologized and said they would mail the correct part ASAP. I again received the incorrect part from XXXX. Again, I called them and told them of their mistake. They responded by promising to send me the correct part ASAP. For the 3rd time XXXX sent the incorrect part. This all occurred in XX/XX/2021. I used my Chase credit card to pay for the parts. For the first two mistakes I received a credit for the entire amount. I also received XXXX return labels for the 2 incorrect parts. I repackaged those two items and returned them to XXXX. 
The third time I received the incorrect part I was told by the XXXX representative that they could not find the part I needed and that I must get the part elsewhere. 
XXXX  claims that they sent me a return label for the third mistaken part, but I never received any communication from them regarding the return of the mistaken part. 
I still have the part and have told them if they send me a return label, I will return it. They refuse. 
I also, filed a dispute with my Chase credit card which was denied. The reason given was " the vendor told them that the sale was made. I filed a second dispute ( an appeal ) and was turned down a second time. 
Currently I believe I am owed {$140.00}.

Company response to consumer: Closed with monetary relief