BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On the XX/XX/2023 I wrote Experian a letter stating that I never authorized some inquiries and that I was disputing them because they are negatively effecting my credit and ability to use my credit to acquire financial products and assets. 

I asked them to send me evidence of proof that I did indeed inquire about my credit with wet signatures if they could. The simple request falls in line with the Fair Credit Reporting Act and asked them to remove the inquiries and to send me an updated credit report reflecting the account changes upon completion. 

On the XXXX of XX/XX/2023 I received multiple emails about the letter and when I looked I did not see any changes. 

When I called on XX/XX/2023, I spoke to someone and they sent me to the fraud department. 

When I was speaking with the fraud department, they had me on the phone with a person that I could not understand. 
As I went down the line of items that I was disputing, I verbally informed them that I revoke any and all authorization to report on my name and or social security number. He told me to get in contact with the companies that I was disputing the inquiry over. I expressed that I have already done so and they referred me to the Credit Reporting Agencies such as Experian. 

I asked to speak to a manager or supervisor and he refuses to transfer me. I then asked to speak with anyone aside from him and he refused to do so. All I wanted was for the inaccuracies to be removed and he said since I have a car loan that he could not do anything. I also expressed that I sent the letter and it stated that they needed to prove with wet signatures that I indeed made the inquiry. They did not provide any and they did not transfer me. 

I am under the impression that a foreign entity has captured the reporting agencies in order to disrupt the agricultural and economic abilities to use credit in the United States. I am a Veteran who has proudly served in the XXXX and I understand that through House Joint Resolution there is no lawful money through the Truth and Lending Act ( TILA ) no one has the authority to deny me an extension of my own credit. 

Through my private investigation I have come to the conclusion that this Experian and its agents are committing fraud and racketeering.

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 2023-09-13
Company: OneMain Finance Corporation
State: CT
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:
On XX/XX/23 I sent a letter to One Main Financial via certified letter. The amount in question was an account showing {$12000.00} After reviewing my consumer report I notice my transactions and experiences are being reported. Transactions and experiences between the consumer and the person making the report should be excluded from my consumer file. This information reporting has violated my rights. My information should be confidential according to 15 usc1681a sub title exclusions. 
Exclusions.The term consumer report does not include ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; This was an act done fraudulently. 

It is my belief that One Main Financial company has information in their database reporting without my consent. A financial institution may not disclose nonpublic personal information to a nonaffiliated third-party unless I was given the opportunity, before the time that such information not be disclosed. After reviewing the contract set in place with me the consumer I have not seen any signed disclosure forms with me agreeing that such information be disclosed to any third party meaning transunion, XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A Property at XXXX XXXX XXXX XXXX Fl XXXX was going to be refinanced when about or in the middle of XX/XX/XXXX I/we were given a letter by the people staying at the said property From Bank of America dated XX/XX/XXXX and addressed to the Estate of XXXX XXXX and referring to such specific property and to the Loan # XXXX. 
And the Bank of America letter said that " the referenced Loan # XXXX Matured in XX/XX/XXXX and that the total amount in the Loan was Not Paid '' LEAVING AN UNPAID BALANCE OF {$1.00} AS PER PAY OFF DUE CALCULATION OF PRINCIPAL BALANCE AND INTEREST DUE FROM XX/XX/XXXX to XX/XX/XXXX Of {$0.00} CENTS AND ADDITIONAL {$6.00} FOR A SAID COUNTY RECORDING FEE and others. Threatening the XXXX XXXX XXXX XXXX XXXX Property with Foreclosure. 

The Mortgage Loans Debt of Bank of America for property at XXXX XXXX XXXX XXXX were the main factor for XXXX XXXX Banruptcy Ca # XXXX And were paid in its Entirety as per their Allowed by the Bankruptcy Court Claim Amount for {$250000.00} as XXXX XXXX STANDING TRUSTEE FINAL REPORT AND ACCOUNT FILED ON XXXX/XXXX/XXXX AS XXXX XXXX of Court Records for Ca # XXXX XXXX. 
I XXXX XXXX as " the Personal Representative of the Estate of XXXX XXXX as per the Admistration Letter Issued by the Court ( and also enclosed to Bank of America ) addressed Bank of America with a request for Correction and explanation for then to show a $ XXXX Balance for the referenced Mortge Loan # XXXX and other balances. 
But as today XXXX No Answer is the Answer from Bank of america .

Furthermore Bank of America had up to XX/XX/XXXX to file with the Court any Objection to the Payments Received and or Balances or Issues Related to the Case # XXXX XXXX as per Notice entered in records by XXXX XXXX XXXX Trustee. And Bank did Not. 
As result of Bank of America mistaken Assertion of Debt ; the XXXX XXXX XXXX XXXX Property and to to the Sudden Surprise of its owners such property had Not been been Issued yet a Release of the Bank of America Mortgage with a $ XXXX Balance.

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 2022-11-17
Company: GreenSky, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Approved for XXXX XXXX XXXX XXXX up to {$15000.00} on XX/XX/22 for a promotional period of 6 months. 

No card received, unable to use loan amount as of XX/XX/22. Thats is a XXXX of the promotional period amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from Citizens online bank. The email notified me that an account was opened up in my name. i called the bank and they have closed the account, but then I received an email from a credit card application after. This happened as of XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As of right now the following the companies are reporting income to the XXXX top credit reporting agencies XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not part of any of XXXX, XXXX or XXXX credit reports. This needs to stop immediately. According to XXXX 's own web site It states " Your credit history does not include income information. See provided upload. 
And according to the IRS web site publication 525 and 4681 see provided uploads The IRS clearly makes it known that XXXX is to be considered income. And as such income is not a debt and income can not be reported to the credit reporting agencies. Therefore the XXXX ( XXXX ) XXXX 's uploaded along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. XXXX, XXXX and XXXX must remove deleted all income from being reported to my credit reports In summary it is abundantly clear by all parties IRS, that cancelled debt XXXX is considered income and according the credit reporting agencies themselves income can not should not and does not get reported to the credit reporting agencies. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Atlanticus Services Corporation
State: TX
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 contact all 3 credit companies they will not send me the information I'm requesting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted Experian on XXXX occasion- XXXX XXXX XXXX XXXX XXXX explaining to them that the Bankruptcy on my credit report is incorrect. I have submitted proof from XXXX XXXX show the bankruptcy is not on the report as well as a document from the XXXX New York XXXX XXXX stating they do not provided information to the credit bureaus. Experian continues to say they have verified the information from the courts and XXXX. But how is that possible- they are clearing lying and providing me with incorrect information. I am in the process of trying to purchase a home and I will not be able until this is cleared up. Please see attachments

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 2021-05-08
Company: EQUIFAX, INC.
State: NC
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: M&T BANK CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On XX/XX/2023 I drove through M & T Bank service window, XXXX, XXXX, to cash a US Treasury IRS refund check for {$280.00}. I presented valid picture government issued ID. I was told that if I didn't have an account with that bank, they wouldn't cash the check. Reason they said was they are a XXXX XXXX  and don't have to cash US Federal checks.I asked about US Savings Bonds and was told the same thing.. won't redeem unless I have an account with that bank ... I believe any banking institution that is covered by FDIC is required to cash US Government instruments... Am I wrong? If I'm correct I'd like for them to re-educate their staff on what is required. A note of apology would be appropriate.

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 2022-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is this merchant named " XXXX  '' that I filed a fraudulent dispute against in the past as it somehow got my Capital One credit card information. Yet, after I changed my Capital One card numbers multiple times, the merchant XXXX  was still able to process new transactions through my new card numbers. Considering I never provided XXXX with my new account numbers, I believe Capital One allows past merchants to be able to see the customer 's new account number. 

When I request for my capital one credit card to be closed on XX/XX/XXXX, I paid off the balance and did not see any incoming transaction. Suddenly, now I received a statement from Capital one {$85.00} charges from XXXX on XX/XX/XXXX. When I called customer service today XX/XX/XXXX to file a dispute, the female representative was very " annoying ''. She kept asking " did you give your new card number to the merchant? ". I told her no. I told her there were disputes against this merchant in the past, so no reason I would have given the new card to the same merchant I had disputed against before. And more importantly, I closed my card BEFORE these transactions occurred. Then she asked me that very same question again as if she was trying to irritate me or to avoid solving the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16
Company: Professional Placement Services, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed the medical debt several times. At least 5 in the last year. The debt is not mine. It belongs to my ex husband. It's even in his name. But it is showing up on my report. I have had state insurance for the last 4 years and I have XXXX medical debt. This does not belong to me and it's affecting my credit. I want it off. I do not pay his bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Andreu, Palma & Andreu, PL
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, Yes, I got a XXXX XXXX XXXX  and I was making the payments on time and when they increased my limit, I was using the credit card thinking I could pay it off I went through the hardship program trying to get help and time to pay it off. Unfortunately, I wasn't able to, and the debt got sent to a collection agency called XXXX XXXX XXXX and they kept sending me notices even after I moved, they found out where I lived and continue to send notices through XXXX. Upon yesterday I received a letter from ANDREU, PALMA, LAVIN & SOLUTIONS, PLLC stating that I have a violation notice stating that I owe {$1500.00} and I am thinking I could get in trouble and because I am on a fixed income, I don't know how I am going to pay what they say I owe. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
my personal information was hacked and my bank account l need to open account l need help to remove the negative l need help l want to open a checking account for my savings and purchases

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 2022-04-16
Company: EQUIFAX, INC.
State: IL
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 Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2022-04-16
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been going back and forth. Well Ill say back and back because trans world hasnt been responding to my complaints about this account on my credit profile acct # XXXX amount {$1400.00} this account isnt mine, Ive attached copy of my affidavit as well. Ive mail letters and recieved no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Calls almost everyday, debt removed from credit report because it was not a valid charge. Debt collector keeps calling even though XXXX has reversed the charges because I didnt owe for the bill

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 2019-01-23
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX had submitted a claim to my credit score but I'm out of believe {$2500.00} and they were removed off of my credit last year because it was teams not owed. Between XXXX employee benefits of {$250.00} early termination fee coverage for up to four lines plus we had the bill paid off. also around the same time that we went through bankruptcy so this would have also been included in bankruptcy if there was a balance left. I have attached the bankruptcy document with the list of creditors that were included. when XXXX was removed from my credit they went and turned around and submitted it to another collection agency without listing it as being through them and did not disclose that it was XXXX. I tried repeatedly to get those taken off my credit and claimed that it was on bankruptcy documents and it still has not been removed.

Company response to consumer: Closed with non-monetary relief