BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-23
Company: Financial Corporation of America
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My name is   XXXX   XXXX   and the debt I incurred with   XXXX   XXXX   was discharged through my Chapter  XXXX  bankruptcy  XX/XX/XXXX . My attorney 's office  XXXX   XXXX  contacted the billing Supervisor at   XXXX   XXXX   and she in turn told him the account was flagged and no more phone calls would be made. Well the account was sold to Financial Corporation of America now they are sending me letters threatening to put this old discharged amount on my credit report. I called on  XX/XX/XXXX  and spoke to a  XXXX  gave her my attorney 's information and asked her do not call or send me anymore letters or try to put this on my credit report. Please contact Financial Corporation of America  XXXX  and ask then to STOP harassing me about a debt that has been legall y discharged. I have all emails as proof, I also have my petition paperwor k from my attorney and the discharge if needed.     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 2020-10-06
Company: Bread Financial Holdings, Inc.
State: CA
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 filed a FTC Affidavit report and credit report pertaining to a a data furnisher listed on my account Comenity Bank/Victoria Secret. At the time of the report the account number they where reporting the fraudulent account under was XXXX as was listed on the affidavit and the police report so it was removed from my credit file with XXXX   immediately and XXXX  it was removed from XXXX  on or around XX/XX/07 I gave the report attached. What comenity bank then did was change the account number with XXXX  to XXXX which allowed it to stay reported on my account and resubmitted it to XXXX  under this new account number and statement saying the account is current! XXXX  deleted it again as I informed them of the error and then on XX/XX/XXXX informed me that they had to reinstate it because the data furnisher gave them new information which they had to keep it on the report. They violated the 5day FCRA 605b law which states they are supposed to infirm me of any reinserted accounts twice and did not provide the 5 day forwarning. I attached the documents credit reports where it shows that the comenity account was deleted under a different account number as if XXXX due to the affidavit and the police report then I attached the current report from XXXX  with the new account number and its clearly evident that it is in fact the same account number due to the history and the opening date of the files its identical only account number changed so they can illegally keep reporting it on my credit profile. This situation cost me 80 points and a denial from the SBA I need it to be resolved immediately so I can reapply with the SBA so I can get back to business. I attached an updated FTC report with the new comenity  Victoria account number and as per FCRA LAW 605B its should be permanently deleted from both XXXX and XXXX  credit reports immediately. I also sent the data furnisher a Cease and Desist as well as a second FTC REPORT which according to the first one they  should of stop reporting however they continued on reporting which is an additional violation to FCRA law rights! In addition to this file there are other fraudulent items being reported with these two bureaus several inquiries that where not initiated by me with XXXX  its XXXX and with XXXX  they are Comenity/XXXX, XXXX, and XXXX  XXXX XXXX as reported on the attached FTC affidavit the other inquires are with XXXX  I will file a separate claim for that along with the inaccurate reporting from another company XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I mailed dispute letters to XXXX, Equifax, and XXXX regarding the correction of several inaccuracies on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Pursuant to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX directly to XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 

In accordance to 15 U.S. Code 1692g, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX were to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. 

Pursuant to FCRA section 609, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a request for copies of the original signed contract/agreement/application was sent to XXXX XXXXXXXX, and XXXX XXXX. 

As of today, the credit reporting agencies ( XXXX, Equifax, and XXXX ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter to Lexis Nexis for method of verification for a bankruptcy they are reporting. I sent a letter XX/XX/2019. I will attach at the end. I called and spoke with a rep and she reassured me they have until XX/XX/XXXX to send me a letter with the information. She told me the investigation team goes to the actual court and request the info. I received a letter in the time being from XXXX courts stating they do not report info to Lexis Nexis nor the bureaus. This is a violation of my rights on all levels. I asked them to remove from my file due to the fact that they can not validate the false information they have sold about me. This is unfair. Please assist me with this complaint. I asked them to send all documents used to verify this info and all methods they used since i have THE RIGHT TO OBTAIN THAT INFO

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Received a prepaid debit card as gift and used it in the past. Was supposed to have a balance of {$3.00}. Says to use  XXXX  to check balance. When using web site does not access account info. There is no phone number on the card. Web site shows  XXXX   XXXX   XXXX   XXXX  as number. After calling agent said card is 'purged '. Asked company name, responded with  XXXX   XXXX  '. Asked full name of company, would not answer, even simple questions as whether it wa s Inc, cor respondence address for legal dept, etc.   Back of card has  " U.S. Bank National Association '' printed.

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 monetary relief
Consumer complaint received 2021-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Resident of XXXX XXXX my unemployment funds were added to my prepaid EDD card the early hours of XX/XX/XXXX, at XXXX I called to let Bank of America know that the max withdrawal had been made in a completely different city than I was. BOA rejected the claim less than 24 hours later and have not provided and would not respond to question about camera footage that they had advised they would obtain. 
I sent proof of my location via XXXX phone tracking and an image of my govt issued photo ID ( which they requested but did not wait for before dismissing my stolen money ).

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 monetary relief
Consumer complaint received 2016-03-31
Company: Northstar Location Services, LLC
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Debt Collector - North Star has been harrassing my phone, calling 10 times in two hours. Asked them to stop and they keep calling.

Company response to consumer: Closed
Consumer complaint received 2020-03-30
Company: WELLS FARGO & COMPANY
State: KY
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:
Hello, my name is XXXX XXXX and I am reaching out today to speak about an error that I found on my credit report. On XX/XX/XXXX, Wells Fargo Bank placed a hard inquiry on my credit report. I have never worked with Wells Fargo or banked with them for any other reason making this hard inquiry an error. 

XXXX XXXX was another company which place a hard inquiry on my credit report finding it to be a error as well on XX/XX/2019. 

XXXX XXXX is the third to place another hard inquiry on XX/XX/2019. This is also an error. 

XXXX XXXX is the last company which placed two hard inquiries on XX/XX/XXXX and XX/XX/XXXX, XXXX these were also errors As a student trying to improve my credit report so I get a chance to someday buy a home for my family and contribute to the system by starting my own business. Things like this on my report will only make it difficult for me and my future family to progress.

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 2022-09-08
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt collection in the amount of {$5700.00} from pro collection on my credit for an apartment ( XXXX XXXX  ) I have never lived or leased an apartment for. I have been wrongfully accused. I have filed multiple disputes and filed a police report. I have proof that was provided from the leasing office that I never lived there.

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 2022-09-08
Company: Compattia Roccia Management Group, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I specifically had told the company that acquired XXXX XXXX debt on XX/XX/22 that I had set up pymt arrangements. I then disconnected the call. He called back twice, the 2nd time I advised him he was violating the fdcpa laws. He argued, I advised again of the fscpa laws and disconnected.The 3rd time he stated my case would be escalated to legal action and then hung up on me and fscpa laws do not consist with my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied to rent an apartment. I told them I'd come in and sign the lease in a couple days. I decided not to. They signed my name on the lease and sent it to a collection agency. ProCollect. They sent me an email with the application and lease they are clearly different signatures.

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 2020-03-30
Company: Prosper Marketplace, Inc.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Prosper refused to close my account and return my money. They are insisting that I forfeit my money to them in order to close the account. 

From Prosper in response to my request to close my account : Thank you for choosing Prosper Investor Services. We appreciate you reaching out in request to close your account. Unfortunately, we can not send checks. The process to close out an account has updated recently and we would be glad to help you get through that. If you would like to forfeit the account as is ; with assets, active notes, available cash, or charged-off loans you may still sign the Forfeiture XXXX. Please read through the form as it does entail that, by signing this XXXX, you would forfeit any future recoveries received for any defaulted/charged-off accounts. Be advised that there is not a set time-frame for this document to be generated, just be sure to monitor your Prosper-associated email address. Please reply to this email if you would like to initiate the forfeiture process so we can initiate that for 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 2022-08-25
Company: Credit Control, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Thank you for your time, my issues are revolving around the amount owed to XXXX for a phone bill. I believe originally this charge was just for 2 months not paid which was under {$350.00}. The amount owed on XX/XX/XXXX was {$700.00} but prior to this date I didn't receive any notice about the debt to this company. I changed my address this year in XXXX and I just received a notice for the first time on XX/XX/XXXX via mail. To add, I never receive any notice in the mail at my previous address either. The inconvenience of the lack of communication unfortunately resulted in a high bill with added late fees concluding at {$820.00}. I strongly feel that this is unfair. I hope that we can agree that these charges will be completely dropped and I won't have to pay the entire bill. Thank you again for your time and I hope to hear from you soon.

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 2016-03-07
Company: FIRST NATIONAL BANK OF OMAHA
State: NC
Product: Credit card
Issue: Balance transfer

Complaint:
first national bank sent me a offer for transfer from a credit card with higher interest to there card. I did, and that made my XXXX near the upper limit, so after I had paid it down {$1000.00} they lowered my credit limit {$1200.00}. That makes it show that I am maintaining a high credit limit. After I paid down another {$800.00} they did it again! They are artificialy making me look high risk. This is, I am told is the most looked at fact when considering credit risk. They soliciated me. How can they get away with this bait and switch tacit?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights.

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

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 2022-09-08
Company: Credit Karma, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Around 2018 until now I have seen in credit karma that I was pre approved for loans and credit cards every time I logged into credit karma to check my credit score they would have a bunch of different pre approvals and refinancing capabilities I attempted to look into and applied for credit cards and loans. I am very upset at this false marketing that has been bestowed upon me.Years of having a account with credit karma thinking this company was helping me to move further in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I noticed there are several incorrect, obsolete and unknown addresses reporting on my credit reports. I have sent two letter to all the credit reporters around XX/XX/XXXX and XX/XX/2022 ( regular mail ). asking each of them please remove them. 

30 days have long since passed, without any response or taking action to remove the obsolete or incorrect information requested. As we all know, this is a violation of the FCRA. I made two attempts and have not received any response from either.

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 2018-01-03
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Some how when I sold my house the collection show up on my credits. I was not aware. Havent stay at the property in 3 year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: U.S. BANCORP
State: CT
Product: Credit card
Issue: Other

Complaint:
I am a credit card customer of Elan Financial. I requested an online increase to my credit limit and the online process did not at any point provide a disclosure that a credit inquiry would be pulled. Had a disclosure asking for my authorization been provided, i would not have consented to a credit inquiry. I called customer service to dispute the inquiry as the proper disclosures were not provided, a customer service representative and his supervisor eventually realized that I was correct and at no point in the process had a disclosure been provided as it they admit it should have been. The representative and his supervisor advised me to write a letter to dispute the inquiry and include the information that we had talked about and the inquiry would be removed from my credit report. I sent the letter as advised and included all pertinent information, including the fact that the disclosure authorizing a credit inquiry were not provided and that the representative and supervisor had verified this. Over a month later I received a reply that they had investigated the situation and would not remove the inquiry because " the promotion offer only included credit limit increase request of {$4500.00} or less ''. I had not received a promotional offer and no where in my letter had i referenced a promotional offer, XXXX had completely ignored the fact that a credit inquiry was never disclosed and I never approved of an inquiry. I called customer service again to escalate the matter and spoke with a supervisor regarding the letter. The supervisor was not helpful at all and would not listen to any of my concerns regarding the lack of disclosures provided by the company. The supervisor repeatedly said that he could not do anything else and that XXXX is required by law to provide a disclosure if a credit inquiry were to be performed and he did not care at all that I repeatedly told him that a disclosure was not provided. The supervisor was rude and showed a total lack of care of the subject. According to the supervisor, XXXX was required by law to disclosure if a credit inquiry were to occur and he should have been more concerned with the fact that the company is not following what they admit to be the law. I received a call from a manager in customer service the next day and she continued to say that XXXX is required to provide the disclosure during the increase process and that it is provided on the website. When I asked her to tell me where on the website the disclosure is she was unable to provide that information. I told her that was not an acceptable solution and she said she would have to get back to me.

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 2021-09-24
Company: M&T BANK CORPORATION
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is serviced by M & T bank. On XX/XX/XXXX I set up automatic direct deposit for my payments. They claimed to have sent me a letter on XX/XX/XXXX stating that the direct deposit was would deposit XX/XX/XXXX instead of the Mortgage payment due date of XX/XX/XXXX. I did not receive this letter. I contacted the bank on XX/XX/XXXX via email and then by phone as I was confused about the payment process. I was directed to their servicing department. I was told everything was ok. Eventually in XXXX I received a phone call asking me to contact M & T bank. They stated I was behind on my mortgage payments. They said that they had not received payment. I disputed the credit report and paid my mortgage that day. They denied my request to amend my credit report. They stated that they sent a letter to me stating this which I did not get. They also said the website clearly states when the payment is due. It is actually confusing and I called to make sure everything was set up correctly. They gave me the wrong information. When confronted with this the supervisor says " I cant speak to this ''. However, they should have record of the conversation.They also stated that they called me to contact me about my late payment. I did not receive a single notification via mail, email or phone about my late payment and they had the wrong phone number on file. I have attached phone records indicating I received no phone calls and email records indicating I recieved no emails about my late payments. In addition I received no letters.

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 monetary relief