BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-12
Company: Experian Information Solutions Inc.
State: VA
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 : Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : 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 an 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 2020-04-19
Company: Experian Information Solutions Inc.
State: GA
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:
My Ex Husband stole my information ... .he filed for these things and his credit reports are clean and all was reported to mine ... .these accounts are fraudulent ... I have never filed for bankruptcy or any of these other accounts listed on my credit reports ... .I filed a police report and and Identity Theft affidavit in which I submitted to all 3 bureaus and nothing has been done ... these accounts should have been blocked and or removed within 4 business days per section 605b of the FCRA.

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

all documents are attached with dates ... .please advise!

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 2019-12-07
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Applied for Loan - XX/XX/2019 : Received Credit Reports - XX/XX/XXXX & Letter of Credit Approval - XX/XX/XXXX ; Property Evaluation / Appraisal - XX/XX/XXXX ; Received Notification of Loan Approval - XX/XX/2019 ( via email ; and a copy on XX/XX/XXXX via USPS ). 

Much to my chagrin, as per a telephone conversation with the original loan processor, ( XXXX XXXX ) on XX/XX/XXXX, I was advised even though everything was approved, due to staff at the branch not being available, the loan could not be consummated until XX/XX/XXXX. The loan did consummate on XX/XX/XXXX, with a Disbursement Date listed for XX/XX/XXXX. Due to lender 's error in Notarizing the documents, the disbursement did not take place until the XXXX or XXXX, and it was only because I had called the branch 's manager did I find out of the error ; the Closing Disclosure was never revised or was authorization given for the change. This act of FRAUD, cost me a minimum of {$100.00}, ( {$27.00} per day ), in 4 days of interest charges I had to payXXXX XXXX  on the loan PNC was paying on my behalf .... not to mention the the additional days of interest charges I was required to pay because they did not have staff available between XX/XX/XXXX and XXXX. 

See attached correspondence from PNC in response to my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Complaint against false advertising and misrepresentation. Applied for a XXXX XXXX XXXX credit card on XX/XX/XXXX which had a opening welcome bonus of 2 weekend free night certificate after {$2500.00} in spend. Called on XXXX XXXX to Citicard credit card application line to confirm my eligibility for welcome bonus before applying online. Rep confirmed that my prior XXXX XXXX reserve card opened on XX/XX/XXXX did not affect the bonus eligibility of the new card application in XX/XX/XXXX. However after being approved for the card in XX/XX/XXXX and spending {$10000.00}, Citi sent a letter that they would not honor the 2 weekend night certificate bonus. Called on XX/XX/XXXX to Citi ExecutivXXXX customer service line but rep XXXX reiterated that since my original account was closed on XX/XX/XXXX and since my XX/XX/XXXX application was 3 months shy of the 2 year bonus eligibility rules Citi would not be fulfilling the bonus.

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 2020-04-13
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2020 payment indicates 30 day late on credit report. I have filed an extension for XX/XX/2020 due to Natural Disaster and was granted approval. I have ask to have the late removed of credit report. I was also informed During the Natural Disaster the loan company will not be reporting late to credit agency during the Natural Disaster ( Covid19 ). I have talked and confirmed with XXXX and she indicated I was correct it should be appear but it shows on my credit report. Please assist with the removal.

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 2019-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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: Problem with personal statement of dispute

Complaint:
I opened an account with Capital One. Put down my payment received my card and used it as needed. Sent in my payment and the company returned the payment to my bank. This has happened time and time again. I have called and was told my payments were never received. However I have proof the payments were received. My account was fully paid in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital one charged off an account that had a fraudulent debt that was then charged with interest. I want the debt cleared out of my name. They have never requested the police reports attached to the issues. I can send all the police reports but I need the debt removed from my name and the account listed as closed with no balance. Thats the proper way to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have called Conn 's to tell them am temporary laid off due to the conoviris and let them know that I cant make the payment .and the rep I spoke to was very rude and used fowl foul language and what my credit card number and I told them I wont give that infomation because I didnt one time before and the they take money out of my account without my authorization makes me think that these people dont work for the company since they supposed say thier named and all they want to do was agree and fight with him and asking me personal question about my finances which is no of thier business and told me that the need money for thier family and called sob .this not right. This not the way to business plus I had a tv stolen and they refource to replace after we give them the police department. And won't lower our payment because we dont have the tv.not a way to do business. And get better customer service reps.and they I never agreed to make double payment and claim that we behind which are not. Am tried them not working with me and keep messing up my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i been dealing with this company not blocking fraudulent accounts and public records from my file for the past almost 3 years as i been going through identity theft. i have sent them countless numbers of official police reports and i also have attached a copy of my FTC fraud identity affidavit which includes every company that i know of that someone used to steal my identity i cant even move forward in my mortgage process for my family because they are also reporting XXXX public records that was filed in error under my name. It 's XXXX bankruptcies XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX those need to be removed permanently immediately. i have only filed bankruptcy one time which is XX/XX/XXXX. All these errors on my credit report is XXXX and XXXX and me and my lawyer is thinking of filing a lawsuit for XXXX due to all this untrue information on my file. it 's hard to even live or get a job with all this identity theft. I demand that all accounts and public records be blocked immediately or i will proceed with the lawsuit against this company in the amount of XXXX dollars. i have disputed all these items several times and nothing has been done. I have never had a phone account with XXXX never filed bankruptcy in XX/XX/XXXX or XX/XX/XXXX those are filed in error under my name. i have attached a copy of all the information that this company asked for and told me that all this information including the public records would be blocked. I do n't see how they are investigating these items when the companies that im disputing are sending me letters saying they are removing these items but this company still wo n't update my report and let me live a regular life it 's very frustrating and they are breaking federal laws in the process while hurting me and my family.

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 2022-05-12
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
i used zip code XXXX to applied checking account online on website XXXX XXXX XXXX and it shows the {$250.00} promotion is available in your area, after i signed up complete the requirement for the {$250.00} bonus, they keep telling me my region was not included in this offer.i don't accept this reason, that website was show zip code XXXX available for the promotion, i have right to get this {$250.00} bonus.

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 2016-04-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other

Complaint:
I was recently informed by my Daughter XXXX XXXX who had used XXXX of your Shell credit cards that there is still a late payment entry on my Credit Report. 
I had written to you over a year ago and asked you to correct this entry since the lateness was due to your billing problems not my paying my Shell bills on time. 
I have always paid my Shell Credit card bills on time since I opened the account. Then Shell sent us new credit cards with new expiration dates like all credit card companies do every XXXX-3 years. But in your case the new credit card was not linked to the old account online. So when I logged in to pay my bills, I was only able to view the balance for the new credit card, not the older card which still had a balance. Dispite the fact that I was make regular online payments, they were all go to the new card and nothing was paying off the old card. Meanwhile the old card had about a {$100.00} balance on it. Suddenly I am told that I am several months overdue on the old card which never apperas on the online account. This is despite making regular in full payments to the new card. 
Since then you have corrected the problem and several months after my issue, both balances started appearing on the online account. 
I have asked them twice to correct this problem.

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 2015-07-19
Company: Debt Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
VIOLATION OF TCPA WAS TOLD TO CEASE AND DESIST IN XXXX/XXXX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Professional Claims Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received several bills from professional claims bureau with no explanation of what they are about. I have asked for an itemized bill several times to no avail.

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 2015-12-30
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I went to the social security site to advise of my change in address. The site would not accept my change due to loans and a mortgage which they say is on my account. I do not have loans or a mortgage. I could not get a credit report because they say I have loans and a mortgage which I do not have. I sent a request form to a credit report company requesting my report ; they say it will be weeks before I receive it. I do n't know if someone made a mistake or if someone is using my social security number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions 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 accordance with the Cares Act and the Heroes XXXX, XXXX XXXX XXXX  ( Account # XXXX ) has violated my rights, XXXX XXXX XXXX  reported 3 late payments on my Consumer Report ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). The reporting of the late payments are damaging and hurting me from purchasing a home for my family. 

Due to the current in place COVID-19 National Emergency, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the Cares/Heroes Act, requires creditors to report any account that had a payment accommodation applied to it during the Covered Period as " current '' to the consumer reporting agencies. At the time, I was on an accommodation hardship program with XXXX XXXX XXXX starting XXXX of XXXX until XX/XX/XXXX. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX through 120 days from the date the COVID-19 National Emergency is declared over. The National Emergency has not been declared over as of this date.

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 2022-05-12
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company by the name of Ability Recovery Services LLC placed 4 collections on my credit report with no explanation ( aka no notices or letters ). I attempted to resolve this and still have not received any information. Which does not surprise me since I have not been to the ER in 8 years and I have great medical insurance. I recently had issues with things of this nature appearing on my credit and have had to file a complaint against XXXX & XXXX, and surprise, these are the 2 agencies reporting this false information. It seems like harassment from the credit reporting agencies as well as Ability Recovery Services LLC

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 2016-11-21
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I called the customer number talk to XXXX and she transfer to the Financial Department we spoke with XXXX, I understand my payment of XXXX was behind for emergency reason, I never was late for this card, we try explain to XXXX about this but she was absolutely rude, unprofessional and no empathy for the customer she try hung up the phones many times without solving my problem.She mention each customer is treat different when I ask for reage my account, ask twice what that mean each client is different, is about discrimination since she used that terminology and we know they are able to reage accounts.

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 2021-10-03
Company: ALLY FINANCIAL INC.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX we realized that funds were missing from our personal bank account directly after making an automatic payment online for our vehicle payment. We were alerted by our bank to the fraud caused by Ally Financial 's payment processor and advised us not to permit payments through their online system. Then we received a letter from Ally Financial stating that we were victims of identity fraud and financial theft due to a breach in their security system and online payment processing. The automatic payments were cancelled and I attempted to go online and authorize individual payments after that and each time it would not allow me to make a payment or the website was down and I tried to call Ally each time and let them know that I had attempted to make a payment. I was told that the system was being updated and to be patient. Now that they have refused 3 payments they are claiming the vehicle is in repossession without any written notice nor ability to make a payment. I even called 3 times this past week and tried to pay the account in full and the payment was stopped by XXXX XXXX for ANOTHER report of FRAUD! The customer service rep from XXXX Bank told my parents that Ally has been flagged for fraud by the FDIC and they recommended finding another lender. I am now working to trade the vehicle in and obtain another loan with a different financer.

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 2015-04-24
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
keyBank has been charging me overdraft fees stay in that I am transferring funds from account to account within the same bank reflecting that I had the money would be in the account I when I transfer it says that is available and then they would apply overdraft fees they in that the account was not accurate continuously hitting people with overdraft obsessively their system is not up-to-date and give an accurate information I opt out for not to have the overdraft fees stay in if the money if the monies not in the XXXX do n't let the transaction go through I feel like KeyBank is has figured out a way around the government new law to charge customers overdraft fees and fees and so on

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-27
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a assault from this company procollect. I 'm XXXX XXXX And Have Been Threatened With Phone calls, Fino scores, housing issues, higher interest rates, and they have broken the civil service act as Im a XXXX soldier XXXX and they were laughing and yelling at me over the phone over a medical bill from XXXX. I 've been denied home, business loans, and any financial access to loan from this medical bills that are paid off and a furniture bill that is n't mine. I have medical bills paid off from XXXX hospital of XXXX Texas and an furniture bill that was put against me during my XXXX in a XXXX. Both of these are not my bills and have been harassed day and night to include contacting Fico companies fraudulently hurting my ability being XXXX further. This company is called procollect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Experian Information Solutions Inc.
State: VA
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 : Account Name : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) Account Number : 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 an 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