BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received an email receipt notifying me that a charge of {$970.00} was made on my Back of American credit card and a new account was create at some XXXX XXXX company. The date of this email was XX/XX/2021. I immediately call Bank of America to cancel my credit card and report the fraud. I also called the XXXX company using the phone number in their receipt email and told them it was fraud and to cancel the account. Both the Bank of America and the XXXX company were call XXXX. At then end of my credit card back statement cycle, I saw the bank had taken the money out of my account and paid XXXX. This occurred at the beginning of XXXX. I called the Bank of America back and see why they paid the merchant and was told the fraud report was still under investigation and that within another 30 days it should be resolved and my money put back into my account. I have been calling the bank now for several weeks to get a resolution but they kept telling me that there is no fraud claim even when I give them the claim number. The money was never put back in my Bank of America credit card account even though It should have never been paid in the first place. The bank has offered no resolution or even acknowledged the fact that I submitted a claim. I can still see the claim in the Bank of America app and its in an investigation status. Since the Bank keeps telling me that they dont see a claim and I have to open a new one if I want to report fraud, I am look for help from someone to get my money back and report the terrible customer service I experienced at the Bank of America XXXX 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 monetary relief
Consumer complaint received 2015-10-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have a credit card through XXXX XXXX and XXXX XXXX. They are constantly reporting everything on my report twice which affects my credit score in a negative way. I have ask them to stop doing so and they refuse. And the XXXX agencies will not removed double reports even though it is the same exact report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was a victim of identity theft last year. Several accounts were opened in my name. Several companies extended credit. When I found out. I contacted all the credit bureaus and placed a fraud alert. I filed the required affidavit and returned a copy to each company that there was credit opened with my name and used. I also sent a copy to each credit bureau including Experian. XXXX is XXXX of the companies that is giving me a hard time. They say that It is my account and refuse to take it off. Experian refuses to investigate any further hiding behind the XXXX clause. I want me credit report to report exactly what my responsibility is. I was a victim of identity theft. I am not going to pay XXXX for item that I did no authorize and I also did not receive. Also the system for uploading documents to experian is not working. I have had to spend numerous stamps getting correspondence to them.

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 2022-08-18
Company: OneMain Finance Corporation
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2022 I called One Main Financial. I stated to them I was at a place to pay off the debt I owed in the amount of {$7700.00}. A lady name XXXX ( ID # XXXX ) told me that the debt was sold to XXXX XXXX XXXX and that One Main Finanical did not have my vehicle title. I called XXXX XXXX XXXX and they asked me did I want to pay the debt. I told them before I paid the debt back that I needed to see verification/validation of the debt and my vehicles title before I paid. XXXX XXXX XXXX is saying they don't have my title that the original creditor does and One Main Financial is saying the collection agency XXXX XXXX XXXX. This has been a merry-go-round for the past month. No one can answer questions, no one can provide proper documentation. I went to the XXXX and a paper showed me that One Main Financial was technically still the lien holder. I really need your help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: Phoenix Financial Services LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020, Phoenix Financial services reported collection on all 3 credit reports stating that I owed {$690.00} for a medical bill. After contacting the original creditor XXXX XXXX XXXX XXXX, I found out that my insurance was not billed for said medical bill. After updating insurance information it was stated that the collection would be removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Alliance One, Inc.
State: GA
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:
My insurance company paid a bill to XXXX Hospital promptly and in full. I never had any further communication from XXXX Hospital or from the current company reporting me to collections, " Alliance One Receivables. '' I have provided them with copies of the paid bill from my insurance company but get no response and they are not removing this bill from collections. This is absurd - my credit should not be destroyed by a bill my insurance paid in full, promptly, quite some time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX my Credit cards was compromised, taken over by an identity theif ... as well as my email was hacked. 
I contacted the CC and reported this. I also put an alert onto my credit through you. I recieved my credit report and see that you have the HACKERS address listed as mine. 
The Theif 's address is : XXXX New XXXX XXXX XXXXXXXX XXXX ( address ID # XXXX ) I have NEVER lived XXXX, nor do I have friends or family there. 
I have lived XXXX for the past 27 years, and XXXX where I own a home and have lived for over 10 years at the same address : XXXX XXXX XXXXXXXX. XXXX am NOT moving. 
Please remove the XXXX address from my report IMMEDIATELY as that is the identity theif, Not me. 
I just call the CC to see why I did nor recieve my new CC, they said the Hacker/Theif had gone in and changed my address and mothers maiden name AGAIN. 
Because you have the error address on my report, this theif may be able to get into all my accounts. 
I spent a whole day trying to fix this and calling all my accounts on XXXX, and the theif has already gone in again and changed my info. 
PLEASE help! I am no a wealthy person and can not afford to loose money or credit. Thank you, XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
This complaint is about the credit card company named XXXX XXXX XXXX. It is a XXXX card associated with XXXX. I pd the balance off in XXXX. I filed XXXX XXXX bankruptcy a month later but not on this account. After I checked my credit report some months later, I found out that they closed this account and stated on my credit report that the status was closed on the account because of XXXX  XXXX bankruptcy. When I called the company to find out why they did this, they said it was their policy to list it on the report even though I DID NOT file it with their company. They refused to change the status and when I disputed it with the credit bureaus, they still have not changed this. I am still in a dispute.

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 2016-06-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
According to the FCRA, credit bureaus can not report the same account twice. There are XXXX separate accounts reporting twice on my Experian report and I demand they be remove immediately. The accounts that must be removed are XXXX XXXX XXXX with XXXX balance, which this same account is reporting on my file under a different name. The next account reporting twice is XXXX which is reporting the same accounts twice for XXXX accounts, for {$540.00} and {$1300.00} balances. The next issue is missing positive account information for XX/XX/2016 for open XXXX account which should be marked as positive " OK '' status and it is n't. Lastly, the Regions account on my file is completely erroneous and has wrong historical data in which the company has failed to provide physical proof and late records for complete history. I demand all of these accounts to be deleted from my Experian credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed with Experian a collections account that was placed on my report by a company called XXXX XXXX XXXX ( opened as of XXXX XXXX ). I have never heard of this company nor had any business or contact with this company other than this entry showing on my Experian credit report. I only found out about this entry due to an alert from my credit monitoring site showing that this negative item was placed on my Experian credit bureau. 
I do not believe that Experian conducted an adequate and fair investigation. 
The only response I get from Experian is " Outcome : Remains ''. Why is there no reasonable response, documentation or explanation of what process or evidence was used to determine this is in fact is a legitimate debt and that it belongs to me? If feel like it was just an automatic take the collections company side situation. Was there an investigation completed? I also sent a request for validation to the company XXXX XXXX XXXX and I did not get a response. 
I believe that these are unfair practices and in no way supports consumers in their right to dispute information on their credit reports and in their effort to determine if said items are actually valid debts so they can be taken care of. I would like this investigated and seen to it that the credit reporting agency is operating in a legal fashion. And, further I would like this removed from my credit reports as it is causing me a great hardship on my otherwise good credit standing. As a result of this my livelihood is being impacted as well as my ability to fairly obtain reasonable loans and credit products.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do consistently run XXXX weeks behind on my vehicle payment. The payment is never made more than XXXX days late. One Main Financial calls my cellphone numerous times per day, and today every hour on the hour, once my payment is XXXX days late. They can see my payment history. This loan is XXXX years old. They send repeated letters in the mail to me where " they '' have scheduled " me '' to come in to their office for an appointment to discuss my loan, and my loan is never more than XXXX days late. This is utter harassment! They repeatedly send appointment notices in hopes of bullying me into deferring my payments. I do not want to defer. I do not want to prolong this loan and have to deal with them any longer than I have to. I do not want to pay more interest at XXXX % ( ridiculous ). I simply want to pay this off and get away from them. They are never able to report a more than XXXX days late to the credit bureau because my payment never runs that late, but it does run behind. The harassment is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
While checking my credit report, I notice an account from Regions Bank that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter, using the address located on XXXX XXXX ( See Attached ) informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). That letter was return to the sender as being an incorrect address. ( See Attached ) They are reporting an incorrect address on XXXX XXXXXXXX which is making it more difficult for me to communicate with them. I am asking you to look into this, to see why Regions Bank is reporting this incorrect mailing address.

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 2020-03-04
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
My certificate of deposit with Ally Bank matured XX/XX/2020. On XX/XX/XXXX, by accident, I found that the completed transfer I had instituted via my broker, had been countermanded by Ally, the money returned to Ally and my account there frozen. No notification, no explanation, no apologies. On XX/XX/XXXX, after repeated calls and emails ( one with documentation of my identity ), I was told by a staff person in the fraud department that no one could speak to me because I am deceased. 
So far as I can tell, I am alive. I eat, sleep, and charge things on my credit cards. It should be ridiculously easy to confirm my continuing existence. 
I am not privy to Ally 's reasoning or sources but I did XXXX and found a person of the same name who did die -- -two years before I bought my CD. You would have to be alarmingly blind not to notice that this other person had a different address, a different telephone number ( presumably closed by this time ), a different social security number. In short, we shared nothing but a name. 
I have pointed out these facts in additional emails and calls and they have been met with a wall of silence. 
Meanwhile, no one will say where my money actually is. The amount in question is more than {$100000.00} on which I am losing considerable interest every day since it is not in the bank where it was headed. My reputation with my broker has been damaged, and this whole bizarre example of mind-boggling incompetence and not-my-problem indifference has taken a toll on my health. I believe the aborted transfer also violates the Electronic Funds Transfer Act. 
Ally advertises that " ... every interaction we have is designed to ensure we're doing doing our best for our customers and their financial well being ''. That might strike me as black humor if I could still laugh.

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 2018-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In XX/XX/XXXX I provided a letter directly from the company stating they have requested all three credit agencies to remove the remark. This still hasn't happen. I have attached the letter, please process the request.

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states that 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 non-monetary relief
Consumer complaint received 2015-06-29
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Began receiving repeated calls without identifying self and I learned from online search company is a debt collector whom I have had no previous business-letter-phone contact whatsoever?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: UT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I applied for a installment loan through spring leaf financial website. I received XXXX phone calls after I completed the application which I was unable to answer as I was at work. I called the next morning, and after an hour on the phone I had to get off and go to work and nothing was resolved it took that long to find my application which had me concerned. I called back on my lunch break and spoke to a representative that stated she would assist me in finishing my application. I went through all the questions, income, finances, assets etc, she then transferred me to XXXX to complete the application. He completed the application and said that he would be emailing me documents and I need to send in my check stub and my XXXX to verify my stated income which I though was odd as I am only applying for XXXX and I already had a previous loan with them on XXXX which I paid off. I explained this to XXXX to which he stated they still need the information and will have an answer once I submit these documents as to if my loan is approved or not. I though this was odd because when I submitted the application at the end on their website it said I was approved for a {$2000.00}. XXXX assured me he was emailing me the documents and to send them in asap. I still have not received the email and I am unable to reach spring leaf

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I attended court after being subpeoned for a break of a lease by my roommate while i lived there and was forced to move out. The owners of XXXX XXXX XXXX in XXXX XXXX, MI did not attend court. They did not attend court because they dropped all charges XXXX There was no judgement possession made because the possession of the apartment was immediately returned to the owners. They also leased the same apartment within a week of moving out. We ( XXXX XXXX ) and I immediately moved out of the apartment with in a week of XXXX breaking the lease. I have been informed that this should not be on my credit and that I do not have to pay any of the rent from the lease being broke back to the owners. I also know that the property has been sold a couple times so the original owners do not own the property anymore. I have been trying to resolve this with XXXX who represents National Credit Systems. He has been rude and uncooperative, demanding and bullying that I owe this money and pay it immediately. He refuses to discuss that I have been to court for this and the case and charges were dropped and closed. I am trying to obtain housing for me and my son and unable to do so because this is on my credit and been unable to get this removed after a couple of attempts of disputing it. it just got renewed to be on my credit even longer.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I bought a american express bluebird card and have never been able to use. American express says card does not exisit and XXXX says it is active. But money has never been added and No one knows where My XXXX dollars are. I have enclosed all the documents and contact info from everyone I have talked to sinceXX/XX/2020

Company response to consumer: Closed with non-monetary relief