BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
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:
I would like to state that Experian and XXXX is in violation of 15 U.S.Code 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave Experian or XXXX written consent to report anything on my consumer report. No consent is identity theft. These items have been illegally furnished on my consumer report. If they are not removed, I will no longer extend my credit or allow Experian or XXXX to furnish a report for me. I would like to state that pursuant to 15 U.S.Code 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By Experian and XXXX allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If Experian and XXXX wants to continue doing business with me they should delete these inaccuracies from my consumer report.

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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I would like to state that XXXX and Transunion is in violation of 15 U.S.Code 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave XXXX or Transunion written consent to report anything on my consumer report. No consent is identity theft. These items have been illegally furnished on my consumer report. If they are not removed, I will no longer extend my credit or allow XXXX or Transunion to furnish a report for me. I would like to state that pursuant to 15 U.S.Code 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX and Transunion allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If XXXX and Transunion wants to continue doing business with me they should delete these inaccuracies from my consumer report.

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 2021-04-22
Company: EQUIFAX, 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:
I tried to file a dispute with Equifax numerous times and they refuse to dispute the fraudulent inquiry on my credit report. They stayed they will not process my dispute for the hard inquiry for XXXX XXXX Credit Report on XXXX XXXX. 
They also refuse to remove XXXX XXXX from my credit report. I gave them my police report and FTC report and they still refuse to remove it. 
I also disputed all late charges for XXXX XXXX Mortgage and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I am unable to make teh required payment on my private student loans from Navient. I have requested that they only contact me via mail on this matter and that they no longer contact third parties ( friends and family members ). They continue to do so however, and are claiming in their most recent letter that tehy can do so. I 'm attaching that letter and my response. 

Thanks you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Funding LLC # XXXX XX/XX/2016 {$550.00} Midland Funding LLC # XXXX XX/XX/2016 {$1000.00} I get calls from this company all day for a repeat debt that I told them I don't owe. They have called and harassed me and wont stop. I don't owe them any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I the consumer asserted my rights to validate a debt with Capital One Bank USA Na. However, Capital decided to violate my rights. I have details of these individual actions in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: EQUIFAX, 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I I do not consent to the following closed accounts being reported on my consumer report by transunion block and remove them. The closed accounts are XXXX XXXX XXXXXXXX, Balance {$510.00} opened XXXX, XXXX XXXX XXXX, Balance {$0.00} opened XXXX.XXXX XXXX XXXX , Balance {$0.00} opened 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 non-monetary relief
Consumer complaint received 2016-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This had previously been added in my response to Case number : XXXX. 
I have just discovered, on XXXX/XXXX/XXXX, that the original case is now closed with no additional response. 
What follows is the text that was in that response which I submitted on XXXX/XXXX/XXXX at XXXX that has not been addressed. 
Note that since my complaint references my XXXX, I have now filed a companion XXXX complaint since I was not sure where the most appropriate place for filing was. 
As far as my secondary complaint, you are correct that there are other branches around. 
To be exact, there are XXXX in a XXXX mile radius of my zip code, each of those locations PREVIOUSLY had a Drive Up Window, where you could see a representative and ask a question if it was necessary to complete a transaction. 
However, at the same time you closed our branch, you eliminated ALL drive up windows at every one of those branches, there is now not a single drive up that is manned within, according to google, a 23 minute ride from my home, making a round trip at least 46 minutes, and probably much longer since there are no other drive up windows around. 
As someone who is XXXX, it 's very difficult for me to get in and out of your branches. 
If I have a question that needs to be asked, I now have no choice but to plan a 46 minute drive or park my car and then struggle to get into, and out of, your branch, this is made even more difficult by the fact that due to the serious XXXX XXXX that I suffer from, I must take XXXX to do anything, once taking those pills I can only travel locally, so making a 46 minute or longer, depending on the wait time, round trip would be next to impossible. 
I 'm sure others with XXXX would echo my sentiments on the closing of ALL of the Drive Up Windows in this area, the face behind those windows was, for many, the only human contact with the bank. 
This area was hit hard by hurricane sandy and company 's like BOA, are not doing their part to help, instead what you are doing is causing more pain and inconvenience for those local residents, and businesses, already impacted by disaster. 
This seems strangely reminiscent of the redlining that took place XX/XX/XXXX and XX/XX/XXXX, when certain zip codes were deemed ineligible for lending purposes, only now we are deemed ineligible for a drive up window, yet in well-heeled areas like XXXX and XXXX, you have XXXX branches with Drive Up windows within XXXX miles of each other. 
As a company, you should be ashamed of yourselves.

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 2018-02-04
Company: Inter-Cambio Express, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Complaint for non-delivery of Pre-Receipt or Receipt of Shipment made to XXXX on XX/XX/XXXX. 

Hereby I XXXX XXXX XXXX, with Consular Registration # XXXX, and address at XXXX XXXX XXXX XXXX-COXXXX, I come to present my claim, against the Money Transfer Agency located inside the Store XXXX XXXX XXXXt, site at XXXX XXXX XXXX XXXX Colorado ; for the following reason : CLAIM : No delivery of Pre-receipt or final receipt, for the Transaction made on XX/XX/2018. 
REMESA DETAILS : -Remittent : XXXX XXXX XXXX , - Amount Remitted : {$30.00}, plus {$10.00}, by transaction charge. 
- Beneficiary : XXXX XXXX XXXX. 
- Paying Entity : XXXX. 
- Pin Number : XXXX. 

FUNDAMENTALS OF THE CLAIM. 

1. Motivate my claim the fact that the person, of masculine sex, who received the money and made the remesa, told me, that they had problems with the printer, and that he would return the next day from XXXX XXXX  so that I will deliver my receipt. 
2. It is the case that the day Sunday XX/XX/XXXX to return by my receipt the same person, who attended me the previous day I indicated that I had it and that I returned to return on Monday XX/XX/XXXX. 
3. What worries me is that for the remittance, said person only asked me to take a picture of the receipt of the remittance from his cell phone ; where only the pin number appears, name of my beneficiary, amount to receive and paying entity. But my name does not appear nor that of the company through, from which the remittance was made ; what that person told me was Intercambio Express. 
4. In the photo that was given to me, there is no phone number where I could call in case there is any problem with the collection of the remittance in XXXX. 
It is these facts, totally irregular, that motivate my claim. 
regards XXXX XXXX XXXX

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 2021-04-29
Company: Experian Information Solutions Inc.
State: MS
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:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.

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 2020-12-02
Company: Penn Credit Corporation
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020 I contacted Penn Credit Corporation via certified mail regarding six violations they have made. The bill they sent me in the mail was in the amount of {$5200.00} therefor I also included a invoice for {$6000.00} based on the violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have a collection on my credit report that pop up and its not mines its fraudulent and i want it removed under the fair credit reporting act ( FCRA ) XXXX XXXX XXXX also i have 5 inquiries that is not mines and i want it removed as well asap under the FCRA XXXX XXXX bank - XX/XX/2021 XXXX- card service XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXXard service XX/XX/2021 XXXXl XXXX bank XX/XX/2021 2021

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 2022-07-20
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I looked at my credit report and saw an account that was not mine. I disputed this, but it remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-22
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender repossessed or sold the vehicle

Complaint:
Today ( XXXX/XXXX/2016 ) My car was repossessed by the loan agency Springleaf Financial after I 've been making payments to them. When I called their corporate office, they kept giving me the run around on things and seemed to not be able to get their own story straight. I am currently XXXX weeks XXXX, I was laid off for 3 months from my old employer after they had found out I was XXXX. I recently was able to get income generated and I explained that to springleaf, they were very inconsiderate, I knew i was behind on payments but I have been doing my best to catch up on my payment, going in to my local office to make payments on weekly basis with whatever money i had even if that meant me not being able to eat for the rest of the week. Everytime I step into the local branch office where I live, the associates are extremely rude and are usually out back smoking and not even at their desks. Springleaf has told me i can only pay cash and I 'm now beginning to wonder if they have been pocketing my hard earned money. I have been told that if I have been paying them money that they should not have been able to repossess my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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:
good evening this complaint is being made on Experian and XXXX  XXXX  for providing me with false results, non compliance procedures and for violating my right to privacy. 

XX/XX/2022 I wrote to experian wanting to excerise my rights to Opt Out of having my private confidential information being reported by a non affiliated third party. 

XX/XX/2022 my results say these XXXX accounts were updated. well while looking over my before and after results there was not a single field that was updated to show proof to support experiens results. to my understanding if Experian chose to update a account then their results must reflect such update in order for me to comprehend their investigation. how can these results say updated but nothing was updated? every field is reporting the exact same with the acceptation of changing the processing of their dispute in XXXX XXXX either this is a stall tactic or Experian did not investigate this account to begin with, either way they are in violation for non compliance after I brought this letter to their attention. in addition how could experian complete this investigation so quickly? my letter was sent XX/XX/2022. I allowed about 5 days in order for them to receive my letter so that puts my letter in their office about XX/XX/2022 and they completed their investigation in XX/XX/2022 in 9 days? 
I never received the disclosures from XXXX XXXX to show proof that they in fact sent them to me before they could report these XXXX accounts. another reason why experian is in non compliance, because if they investgated then wouldn't I receive what I notated in the letter from first premier to prove they can report legally? under 15 u s code 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) XXXX  XXXX  is REQUIRED by LAW to provide me with such disclosures if they CHOSE to report my non public personal information to a nonaffiliated third party. these documents are not supported. under 15 u s code 1681 ( a ) ( 4 ) I have the right to privacy and since you have authority to help conosumers like me who's rights have been violated from creditors/third party entities who continuously violate the United States Code I am hoping you can assist 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 2022-07-06
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have not been provided with my account number so I am unable to use their online platform for making a payment. I called their customer service line and all phone numbers that I could locate on their website and on the papers that I received from them, in an effort to obtain my account number so that I could proceed with paying the bill. Their phone line is inactive ; a recording comes on stating that they are working on getting their customer service back in running order. It is ridiculous that I have not been given what I need from the company in order to be the responsible credit card holder that I am. In my efforts to contact them, I can not fix their error. Online, I can not access my username or any information without the account number. There is no other way to access my account online. I want to be reimbursed for any and all fees and interest charged to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-21
Company: EQUIFAX, INC.
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:
There is a false claim against me that has effected my credit score negatively. It is a credit card account. I have never knew anything about this account. Someone has committed fraud and needs to be held responsible. When I received a bill in the mail about an account I never knew existed I did some investigating. As of now on this account it says there is {$5500.00} due balance. How is that even possible when it says there is a {$2000.00} limit? It also says the account was closed on XX/XX/2019. And on XX/XX/2019 the account had a {$0.00} balance due. This makes no sense. All I can say is my credit score needs to be fixed and I never even knew about this account. Please see the attached images I have attached to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The problem is with U.S. Bank Home Mortgage # XXXX. 
I am being shaken down my current XXXX XXXX XXXX company for triple the current premium and I need to get a new policy. However, I have a XXXX XXXX policy and I have been trying to send send them documents that should be adequate for coverage. I have been unable to upload the documents via their website and the fax was not going through either. I can mail these documents but it will cost me a lot of postage to send the multiple pages through the mail when this should work electronically. The bank can't figure out a way for me to do this electronically? Are we still living in the 20th Century? Why can't the bank 's website work. The bank 's website works when I make a payment but when I am trying to save money with insurance it doesn't work? I guess that works out well for the bank who can write home insurance policy that is triple what I am paying now? Please help me because nobody is respecting my rights or communicating with me and since everybody I talk to on the phone is a women I feel I am being discriminated against for being a white male with a small mortgage.

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 2019-11-26
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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