BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: OneMain Finance Corporation
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Good Morning, I cancelled the extra insurance policies on my loan recently. At the time of signing my loan, I was told I had to have this insurance. I know that I am way out of range for a refund but I feel they are still being deceptive. 
Also, you dont get that money back. Your only option is to have it applied to your loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: R.M. Galicia, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received notice from Progressive management Systems that they were collecting a debt from XXXX XXXX XXXX XXXX I submitted in writing within 30 days that I dispute the debt and that I have explanation of benefits from XXXX XXXX that show the amount owed which is significantly less than the amount XXXX XXXX XXXX is showing. Also, XXXX XXXXXXXX XXXX never gave me credit for payments made on-site to the account. Under the FCRA the collection agency is not allowed to continue collecting this debt until they provide certain information, which they have not done. On XX/XX/ I received further communication from PMS attempted to collect the debt even though they never responded to my dispute which was timely filed under the law. This is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit 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:
XX/XX/XXXX spoke with XXXX and requested account XXXX be closed. However, after speaking with XXXX, Truist again made duplicate charges to this account from account XXXX. XX/XX/XXXX spoke with XXXX and again requested this account be closed. Truist failed and/or refused to close the account and again made duplicate charges to this account from XXXX and charged me late fees, penalties, and interest. XX/XX/XXXX spoke with bank representative in person and asked for account to be closed, yet Truist again charged duplicate charges to XXXX. Since Truist continued to make duplicate charges on XXXX and charged late fees and penalties, and interest, on XX/XX/XXXX I closed all my accounts with Truist and asked that credit card XXXX be closed. Truist continued to charge BOTH accounts XXXX and XXXX. XX/XX/XXXX spoke with XXXX who agreed I do not owe money on these accounts but she claimed there was nothing she could do. On XX/XX/XXXX I sent a letter to Truist by certified mail, again requesting they close account XXXX and XXXX. However, Truist failed to do so and allowed charges to be made on these accounts. XX/XX/XXXX I sent another letter by certified mail asking for both accounts to be closed. Approximately XX/XX/XXXX received another invoice from Truist claiming owed additional charges, interest, penalties, late fees, as they refused to close both accounts and continued to charge both accounts and demanding that I be responsible. XX/XX/XXXX, received another invoice with additional charge that I did not expressly authorize and Truist again demanding late fee, penalties, and interest. I can provide copies of letters sent to Truist and invoices.

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 2023-12-27
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent a letter to this debtor " Procollect '' because I received a copy of my credit report and on the credit report i found that this debt collection was inaccurately reporting on all three of my credit reports, XXXX, XXXX, XXXX XXXXXXXX. This debt which does not belong to me has hurt my credit report score causing my credit to drop several points. I have never received any documentation stating that this debt belong to me, nor have i had an opportunity to dispute the fact that this debt belong to me. Therefore, I am asking that this debt collection be removed from my credit report immediately. 

Under the Fair Credit Reporting Act, 15 USC 1681, I am expressing my right to demand that the disclosure of their compliance with Metro 2 and disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning this account. I have asked that they send these files which they have not. 

It is my right that under the FCRA 15 USC. 1681I, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that this is my account with in 30 days it must be removed from my credit report. I will be also filing a complaint with the FTC and the attorney General of the State of Texas.

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 2024-01-10
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My account is currently closed. I sent in an inquiry on a dispute dated XX/XX/2023 in the amount of {$3200.00}. This dispute was supposed to be ruled in my favor as I sent in evidence they failed to acknowledge any evidence I provided. Until I filed the complaint with you, they did a proper investigation and sent me a reference letter dated XX/XX/2023 that they would be sending a cashiers check in the amount of {$3200.00}. Unfortunately, there was also money that I had in the account that I had used to pay the account to bring back to a positive balance. I was told from the previous XXXX who issued the amount of {$3200.00} to file a secondary complaint. I did that unfortunately the new XXXX retaliated against me because I tried to explain numerous times, how can I have a negative balance after the dispute was credited if there was a positive balance when the account closed. she failed to understand my concerns and instead communication between her and I she has retaliated and also rejected the previous cashiers check for {$3200.00}, and also to rectify my positive balance and readjusted the account To bring the count to a XXXX balance. I have full evidence, documentation and paperwork showing the retaliation from city along with the letter stating they would be sending a cashiers check in the amount of {$3200.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On two recent occasions, US Dollar payments that we sent to a UK vendor were converted to Sterling even though our instructions were to send US Dollars. These payments were made to our vendor 's US Dollar account at their local bank so the Sterling could not be received. By the time it was converted to USD, our vendor lost several hundred dollars in fees and/or XXXX  losses. 

Our account is with XXXX XXXX  in XXXX XXXX, NJ. They say that the conversion was done without their instructions by Wells Fargo, who is their default intermediary bank for international wire transfers. 

XXXX has now put our company on a " Do Not Convert '' list with Wells Fargo. They have also told me that our banking covenants may allow them ( or their agents ) to convert the currency of international payments. This does not seem proper to me. 

Finally, I suspect that Wells benefited from this conversion in two ways. First, it may have been intended to help them remedy an unwanted long position in Sterling. Secondly, I suspect that they were the beneficiary of the extra costs.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There is an account in my credit report that i do not know as mine XXXX, i sent XXXX a debt validation debit and them didnt give me any answers about this account..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 
14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2024-01-15
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have attempted to get this matter corrected and resolved for several months, but all of my attempts have been unsuccessful. No one at PenFed has taken the time to address my concerns regarding my credit report. PenFed has continued to report discrepant payment history for different months on my credit reports. The discrepancy happens to be only 1 late payment. I've attached my credit report as proof of the discrepant reporting that has not been corrected. 

In the spirit of compromise, and in exchange for several months of inaccurate reporting and credit denials, I would be willing to accept the month for this 1 late payment to be reported as No Data or Unknown. 

This PenFed account is being reported as 30 days late for XX/XX/2023 on XXXX and XXXX, and late 30 days for XX/XX/2023 on XXXX. The single late payment is being reported on two different months with different bureaus. There is no consistency with how this late payment is being reported to my credit files. I have attached a copy of my credit report to prove this discrepant reporting.

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 2024-01-11
Company: ProCollect, Inc.
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX  provide me a letter release if me from the lease and I have a copy of that letter which I provided to procollect!! It was a XXXX XXXX in the complex building were I lived!! I complained to XXXX about it they didn't like it that I complained about the noise and I reported them about code violations! They didn't like it and told me I could be released from the lease!! I said ok respond back and moved out!! Did what that asked on the letter!! 
Two or three months later they send me to procollect!! I called procollect they were very nasty and didn't want to hear me out!! 
I sent a copy of the letter!! They never responded back in which they said they would!! XXXX XXXX  was on channel XXXX news trying to scam other residents! 
I have tried reaching out to the complex but they are under new management! Didn't have a forwarding address!! I have disputed this almost every month with the credit bureaus and a statement is on my reports but procollect refused to comment on the letter I sent!! They T

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 2024-01-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 am writing to bring to your attention an issue regarding the reporting of a late payment account on my credit report, which I believe may be in violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. According to the FCRA, by law I have the right to challenge any inaccurate information on my credit report.

15 U.S.C. Sec 1681i ( a ) states that if you can not provide proof then the account must be deleted especially when it is inaccurate. I am requesting that this XXXX XXXX XXXX account gets deleted. Ive contacted the three major bureaus to investigate every piece of information on the account listed below and I still have not had a proper investigation launched. In addition, in accordance with the FCRA XXXX XXXX XXXX has violated my rights : 1. 15 U.S.C 1681 section 602 A, states I have the right to privacy : It also states a consumer reporting agency can not furnish an account without my written instructions 2. Per, " 15 USC 1681 A and 15 U.S. Code 1681i ( 7 ) A- Treatment of inaccurate or unverifiable information is found to be inaccurate or incomplete or can not be verified, ( I ) promptly delete that item of information from the file of the consumer.

I did not give written permission to have these accounts furnished on my report. According to the FCRA 15 USC 1681 everything has to be 100 % accurate. Once again, I am demanding a correction to my credit report by this item being deleted and removed 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 explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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