BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received a phone call from XXXX from someone who sounded like he was from XXXX or XXXX wanting to finish the details of a loan application. I had to repeatedly ask him where he was calling from and he said, " One Main Financial. I am in terrible financial shapes after not getting XXXX or unemployment or even the Covid checks because of a car accident. I needed a personal loan and unfortunately, got caught up in the websites that don't sell loans but send to other aggregtators so you keep receiving billions of texts only to continue filling out the information with no direct loan opportunity except payday loans. So the man asked me how much I wanted and I told him I really need {$4500.00} but definitely have to get at least {$1500.00}. He said that it says between XXXX - XXXX at {$150.00} per month was on the application and was that ok. That tipped me off because this amount I put down the first time I went through this cycle in XXXX. No financial institution waits one month to get back in touch. He then wanted my checking routing and account number to deposit the funds. And I asked him to tell me what options I have for paying back the loan in terms of mail, ACH, bill pay or do they perform a sweep to my checking account. He kept on repeating his request for my info. and acted like or maybe really didn't know or was prepared to answer a simple question that I had. I kept asking him and then said to him does One Main Financial take ACH payments or Bill Pay? Still no response except for wanting my info. I asked to speak to a supervisor or manager to find out if this was legit and the answer to my simple question of how this institution gets paid back. He didn't even try to put someone on the phone and asked if I wanted the loan or not. I said, thanks your acting in a fraudulent way and I'm reporting you because you can't even answer a simple question but want my bank information. I called the loan inquiry number at One Main Financial and their automated system said they don't have my phone number on record for an application. I hope that One Main Financial can respond and inform whether they have an employee or contractor that possesses this phone number. If they do, much needed training is necessary and I'll apologize to them for implicating fraud because thats a serious charge. But, I don't think it was them and they should be made aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020, Synchrony Bank closed two of my Credit accounts based on a risk of non payment. I had never missed a payment nor was I given any warnings. 

On XX/XX/2020 I contacted Synchrony Bank who stated they closed my accounts due to having too many accounts with Synchrony Bank Synchrony Bank is adversely affecting my credit scores with the closing of my accounts. 

I can only surmise Synchrony Bank is discriminating against me due to either my race or the belief that I have been somehow affected by this Covid19 epidemic

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 2023-08-17
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
1 5 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 1 5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-08-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
attached is the CERTIFIED MAIL FROM USPS XXXX and XXXX. Experian is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! Account : XXXX XXXX XXXX  CHILD SUPPORT XXXX Open options Account # XXXX XXXX XXXX XXXXOpen options Account # : **** XXXXXXXX XXXX XXXXXXXX Open options Account # : **** XXXXXXXX XXXX XXXX Open options Account # : XXXX   XXXX XXXXXXXX Open options Account # : XXXX XXXXOpen options Account # XXXX XXXX  Open options Account # XXXXXXXX XXXX XXXX XXXX XXXX  Open options Account # : -- XXXX XXXX  Open options Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Open options Account # XXXXXXXX XXXX XXXX XXXXOpen options Account # XXXX XXXX Open options Account # XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts 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 non-monetary relief
Consumer complaint received 2022-11-28
Company: LoanCare, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sent a Notice of Error to Loancare XXXX On XXXX XXXX regarding their error of paying a new home insurance company {$1200.00} out of my escrow that was not due to them. The insurance company notified me that they returned {$1200.00} to Loancare on XXXX XXXX. Despite several phone calls and sending a Notice Of Error with documentation to them Ive received no response. 
Their gross incompetence has caused my mortgage payment to be over {$100.00} per month higher than it should if my escrow was properly credited and analyzed.

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 2022-11-28
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 XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. Account Name XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 
XXXX XXXX Date Opened : XX/XX/2018 Balance : {$370000.00}

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 2022-09-19
Company: EQUIFAX, INC.
State: FL
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:
XX/XX/XXXX Notice to opt-out of credit reporting provided to the company this date. 
I have not provided written consent to report nonpublic information to third parties. 

Equifax consumer report reflects disclosure of nonpublic information as early as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: CA
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:
According to the supreme court case, Bowen v. Needles national bank XXXX you need to remove all indebtedness from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
According to the supreme court case, Bowen v. Needles national bank XXXX you need to remove all indebtedness from my credit reports

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 2022-04-24
Company: EQUIFAX, INC.
State: LA
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:
Im accordance with the fair credit reporting act. The list of accounts below violated federally protected consumer right to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years XXXX  XXXX XXXX XXXXXXXX auto sales XXXX  card services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Sunday XXXX XX/XX/21 I was robbed and the robber was able to access my bank accounts. He sent and spent aprox {$15000.00} - {$20000.00} from my bank account and tried to access other accounts with money in it. I have told the bank and change my passwords as best as I can. I was told I need to call back once the pending transactions go through. This issues was with TD Bank and they tried to access TD XXXX. I also have money in XXXX, empowerment retirement, principal, and XXXXXXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was applying for a HELOC on XX/XX/XXXX, with a Financial institution, when I was denied. When I requested my credit report I found over XXXX Unauthorized Inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted all of the creditors also the XXXX major credit bureaus XXXX, Equifax and XXXX that XXXX reporting the inquiries. I was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or POLICE REPORT. Along with providing a copy of the CFPB Complaint, copy of my license and a proof of address. I requested a copy of the reinvestigation and a list of the people they spoke to. As of today XX/XX/XXXX, I have not gotten any updates or satisfaction so on XX/XX/XXXX I repeated the process again, all XXXX bureaus told me to get a statement from either the CFPB, FTC OR POLICE REPORT. I also asked for a copy of the reinvestigation and still to this day, I have not gotten a copy and the bureaus keep posting that it is updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/2020 Ive Used XXXX XXXX To Fill My XXXXTax Return. To Recieve My Tax Refund Ive Given My Current Bank Account InFormation For Direct Deposit But Was Issued A Prepaid Card Called American Express Serve That Had My Economic Impact Funds {$1200.00}. They Have Sent Me A Prepaid Card And It Arrived Here On XX/XX/2020. The Issue Was That The Island I Live Called XXXX Does Not Deliver Mail To Physical Address We Have Mail Go Through Our XXXX XXXX , So There Is No Way I Can Recieve This Prepaid Card. Ive Open My Online Account And Have Access To My Funds. They Have A Temporary Card That I Can Use For Purchases And Send Money But It Was An Issue As Well. It Wouldnt Let Me Activate My Temporary Card To Use. Ive Been Trying To Call Lots Of Times But No One Seems To Answer The Phone Or Not In Service. I Have Tried To Contact So Many Companies And It Seems Helpless. This Was The Reason That I Didnt Want To Happen. Now Im Having Financial Issue Because Of This COVID 19!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was applying for a HELOC on XX/XX/XXXX, with a Financial institution, when I was denied. When I requested my credit report I found over XXXX Unauthorized Inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted all of the creditors also the XXXX major credit bureaus XXXX, XXXX and TransUnion that XXXX reporting the inquiries. I was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or POLICE REPORT. Along with providing a copy of the CFPB Complaint, copy of my license and a proof of address. I requested a copy of the reinvestigation and a list of the people they spoke to. As of today XX/XX/XXXX, I have not gotten any updates or satisfaction so on XX/XX/XXXX I repeated the process again, all XXXX bureaus told me to get a statement from either the CFPB, FTC OR POLICE REPORT. I also asked for a copy of the reinvestigation and still to this day, I have not gotten a copy and the bureaus keep posting that it is updated.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a copy of my consumer report and its reporting the two accounts that I previously disputed as verified. Im requesting validation pursuant to the FDCPA 15 U.S.C 1692g of these accounts in addition to providing a description of how you certify that the information was complete and accurate. If you can not provide me with factual evidence to support how the accounts below were verified as complete and accurate, you must delete them immediately. 

NAME : XXXX XXXX This name is unknown and does not belong to me. Please delete name and any accounts associated with this name. 

XXXX XXXX This name is unknown and does not belong to me. Please delete name and any accounts associated with this name. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX This address is unknown. Please delete this address and any account associated with this address. 

XXXX XXXX XXXX XXXX, NY XXXX This address is unknown. Please delete this address and any account associated with this address. 


EMPLOYERS : XXXX XXXX XXXX XXXX XXXX XXXX : This account is unknown. Please provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681 XXXX XXXX XXXX : This account is unknown. Please provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681 INQURIES : XXXX XXXX XXXX Inquiry date XX/XX/XXXX his is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 


XXXX XXXX NA Inquiry date XX/XX/XXXX his is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 


XXXX XXXX NA Inquiry date XX/XX/XXXX his is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 


XXXX XXXX Inquiry date XX/XX/XXXX his is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 


XXXX XXXX date XX/XX/XXXX his is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file.

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