BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Specialist id # XXXX Covid19 XXXX XXXX   XXXX I don't think I have ever received worse service and customer service from a company in my entire 38 years of life. 

After being approved for forbearance from XXXX/XXXX XXXX/XXXX due to Covid19, waiting 45 days with no response to move payments to end of loan, then making a payment, getting several conflicting answers and then being put back on forbearance, loanhas now erroneously and illegally in direct violation of the CARES ACT been reported by that company to the CreditBureaus as delinquent as of XX/XX/2020. 

At thispoint I must conclude this unfathomable incompetence on their part is gross negligence with intent to defraud your customers.

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 2016-03-14
Company: Diversified Consultants, Inc.
State: UT
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:
This agency will not contact the original debtor to let them know I settled the account. Now another agency is contacting us for funds that were paid 6 months ago. I have called them back multiple times to ask that they contact XXXX XXXX XXXX and let them know the account has been settled. They are now asking me to take letters to XXXX XXXX XXXX and to the other credit agency, which is something they should be doing and should have done 6 months ago. This would n't be a problem today if they had properly notified XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions 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:
Despite submitting multiple written requests with complete attachments of my personal information and credit reports, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Experian and XXXX 's end. This is my 5th attempt to request all documents to be provided and issued to me. Not fulfillingmy request should result in immediate removal of the unauthorized inquiry listed below : XXXX Card Date of Inquiry XXXX, XXXX Inquiry Date 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 2015-10-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX bank continues to list a fraudulent account on my XXXX credit report. this account was not opened by, nor used by me. XXXX continues to list this account without ever providing any documents showing my signature. this fraudulent account is preventing me from obtaining credit. the partial account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
We have no delinquent loans, and our telephone numbers are on the national Do Not Call registry. Despite this, we continue to receive unsolicited and unwanted telephone calls from ( XXXX ) XXXX in XXXX XXXX, XXXX. This number is registered to Portfolio Recovery Associates Group, XXXX XXXX XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXXt account # has violated my rights. 

XX/XX/XXXX, XXXX $ XXXX by me Consumer disagrees XX/XX/XXXX, XXXX {$15000.00} ( {$14000.00} ) Dispute by me Consumer disagrees XX/XX/XXXX {$1800.00} Dispute by me Consumer disagrees XX/XX/XXXX {$1800.00} Dispute by me Consumer disagrees XX/XX/XXXX {$260.00} Dispute by me Consumer disagrees 15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 section 604a section 2 its also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled and paid off the original account. Which XXXX XXXX sent you the information when I filled out the complaint for them. That there was a mistake made on my account when I did pay them the settled amount. They said they bought back the account. So this should not be on my credit report anymore and it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-05
Company: JPMORGAN CHASE & CO.
State: CA
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:
Enrolled into " Chase Interest Savings '' plan in XX/XX/2021. The installment agreement requires 9 monthly payment of {$1200.00} which includes {$39.00} monthly fees. To avoid additional interest I must pay this amount plus all current monthly charges so called " Interest Savings Balance '' amount each month on the statement. I h have been doing that since XX/XX/2021, the first monthly installment payment. 
On XX/XX/2021 statement I noticed that the amount of " Interest Savings balance '' which is the monthly payment of {$1200.00} plus current monthly charges was quite substantial. I contacted Chase customer service twice and the third time a manager explained to me. That is because all current monthly refunds and credits were not offset against current monthly charges. Instead, they were treated as additional payments toward the Chase Interest Savings plan. This is so wrong. Current refunds and credits should be deducted against current charges. The manager understood and promised to contact Chase department that deals with this. 
About a week later I received a letter stating that all payments and credits were applied properly. 
Obviously Chase would like to have the Interest Savings plan to be paid off earlier than agreed. For this I'd like some kind of explanation other than a short statement saying that payments and credits have been applied properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
An unemployment claim was opened in my maiden name fraudulently by someone other than myself. I attempted to contact Az UE to report the claim as fraud. I was unable to speak with a representative. Therefore, I wrote in bold print on the eligibility letter " THE CLAIM IS A FRAUDULENT CLAIM '' and cut up the XXXX debit card and returned the letter and the card back to the Unemployment Office on XX/XX/27. I also reported the claim as fraud online. I have yet to hear back from Unemployment. Today I received a debit card from U S Bank RellaCard. After some research I've learned this is also a debit card to receive Fraudulent UE benefits. I am spending tireless hours trying to report this to the right people and prevent the claim from being paid. How do I get my name and SSN flagged. Please advise ... ..

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 2016-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have disputed a XXXX XXXX account and requested validation but only a statement which I can not used to validate. Please help assist with obtaining the initial signed contract and more details on the charges on this account so I can research this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
As My last Report XXXX is still reporting my information inaccurate after I made a complaint through you before. The information is different between the XXXX and XXXX. This is a violation of my Rights according to the FCRA. My report has to be 100 % correct.

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 2022-05-18
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX, has violated my right. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery is attempting to collect a debt I supposedly owe from 2006. They have repeatedly called me, even when I asked not to. They tell me they do n't have to stop, even when I told them the Fair Debt Collection Practices Act prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from me. I told them to only contact me by letter, that further phone calls would be considered harassment. The first caller would never admit that they would stop. He also never gave a definite yes on a recorded line that they would cease phone communication. They dance around the legality and will hang up. These Portfolio Recovery people are XXXX. Preying on almost a XXXX year old debt that does n't affect a credit. I 've googled them and seen that they will not stop harassing people, even after letters. So I 'm filling all the things that I can, so this stops.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-03
Company: PNC Bank N.A.
State: KS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid an auto loan off through PNC Bank on XXXX XXXX, 2015 and put a stop payment on the auto pay through XXXX on XXXX XXXX, 2015 but something went wrong and XXXX paid a XXXX payment to the acct that PNC says was closed on XXXX XXXX. PNC says they never received it, that it was automatically rejected and XXXX says they have no record of this rejection and do n't have the money. PNC says they have no escalation process because it was never received and XXXX says they ca n't escalate until they have something from PNC. I know every time money electronically transfers it goes through the Fed Reserve and has a Fed number to track but all parties refuse to look into it. {$720.00} is n't a huge amount of money for some people but it 's XXXX and I do n't have any money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : 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 2022-05-18
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my paypal account.I am using my paypal account for online business as XXXX since XXXX until XXXX.My paypal account XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes.And I am hoping that I will get back mt account and able to withdraw my funds.Thank you and Godbless. 

For identity verification, I attached my valid ID.Please see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: CT
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:
On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$0.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$910.00} ), XXXX XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Balance {$450.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Toyota Financial Services makes it extremely difficult to prepay principal forcing me to pay the full finance charge even when I make payments in excess of the amount due. I feel this is unfair and deceptive as I am paying interest on funds that they have the money to payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
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:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

I understand that failure to investigate these accounts Within a period of thirty days will result in " non-verification '' which requires that the above accounts be immediately removed From my credit File. 

I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 168lid ) and 16811 - requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. 
Thank you for your time and attention to this matter. look forward to hearing from you soon. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: TX
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 received my credit report earlier this year via ( XXXX and Experian ). After reviewing it I realized the inaccuracies being reported under my personal information. After becoming aware of the inaccuracies, I sent a letter to Experian, XXXX, and XXXX to delete inaccurate names, numbers, and addresses with proof of my correct information ( My Driver 's License [ only correct name and address ] and Social Security Card ) that should be reported via certified mail. I sent the letter XX/XX/2022 and Experian, XXXX, XXXX they received the letter by or before XX/XX/2022. They received my letter and sent me my credit report on XX/XX/2022 ( Just Experian ). However Upon further investigation little to nothing was changed. Last month, XX/XX/2022, 7 inaccurate names were being reported and as of XX/XX/2022 only one inaccurate name was deleted leaving 6 inaccurate names while not even reporting my correct name. 

The same thing was done with addresses. XX/XX/2022, 5 inaccurate addresses were being reported. As of XX/XX/2022, 3 of the addresses were deleted however they are still continuing to report 2 incorrect addresses.

As Well as my DOB just being reflected as a year and not a month and date. ( just Experian ) In Conjunction with that I have falsely placed accounts with Us Dept of Education and Bank Accounts that are not mine each Bureau choose to not delete these incorrect names and addresses and accounts because they are associated with debts that I have already disputed are not mine.

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 2015-09-21
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I found this bank online looking for banks located near a town I was moving to. 
I signed up for a Virtual Wallet account ... 
Which has turn into a performance account that has cost me money since DAY one! 
Unfortunately, due to recent moves and a lock out of my email ... 
I have had no access to this account since day one. 
I have called numerous times trying to close this acount. 
I was told I had to dive to a branch to close in person. 
I looked up the nearest branch online .. And surprise! 
It 's a garage. It was a XXXX hours drive for me. 
Sure that address is not online now? 
But I was upset because I was told that was that only way I could close my account. 
I have called many times in between, each time they tell me I have to complete something to verify the account? 
BTW I do n't have account information because I have NEVER been able to access the account from the moment I set it up. 
Noe I find out I 'm in a performance account? That I did not sign up for? 
and it 's costing me money every month? 
Who does that??? What kind of banking is this??? 
Please help??? I 'm very upset? 
They did not earn this money??????? 
I feel like I have been robbed!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Case number : XXXX I submitted a prior complaint, case # above. central finance control ( tenet health ) agreed all items should delete, however they simply relisted a few days later. except now statute is also renewed. its clear on every attempt to talk with them that they have XXXX fear of fdcpa, YOU or any other law or agency. my understanding of current statute is I may recover {$1000.00} per tradeline. I 'm seriously considering this option. id like to give this one more shot first, XXXX XXXX XXXX.

Company response to consumer: Closed