BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I see that same information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$6100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Regarding Wells Fargo Bank. This complaint is in regarding to be what we ( my wife and I ) would consider to be irregular and possibly fraudulent practices by Wells Fargo in the handling and holding of funds to be deposited into two separate business accounts, under two separate names and of different amounts. Both deposits were in excess of {$7000.00} and deposited via mobile banking on XX/XX/. On XX/XX/XXXX  sometime after XXXX XXXX  we had become concerned that the checks did not post to our account. We contacted Wells Fargo and were advised that the issuing bank, in this case XXXX, had placed a hold on the checks citing possible fraud. To make a very long story short the business, which was a title company that issued the checks along with XXXX went out of their way to prove through documentation that not only that no hold was ever placed on the checks but that in fact the checks were posted cleared and the money withdrawn by Wells Fargo. After innumerable phone calls to Wells Fargo and visits to the branch to speak with the branch manager, they continue to protest that a hold was placed on the checks and were not releasing the funds until the hold was cleared - 7 business days. We believe that Wells Fargo, in fact, was the company that placed the hold on the checks, is in receipt of the money, and holding that money for their own purposes with no regard for the financial impact to the small businesses, to entrusted their money to Wells Fargo. This issue is still unresolved at this date and time and we are without any other means or method or recourse to address the issue and now both businesses have negative account balances and are unable to function or provide business services to our clients. Attached are the check images provided by XXXX of the clear checks clearing on XX/XX/. The business is an account names are as follows 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 2021-12-01
Company: Experian Information Solutions Inc.
State: KY
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:
I noticed I have some inaccurate " late payments '' on my credit file. I have disputed the accuracy of this account several times but I was never notified of the investigation results. Pursuant to the Fair Credit Reporting Act XXXX XXXX XXXX, an investigation must be complete in 30 days. Since the investigation was not complete it is a violation to my consumer rights and this account must be updated to " paid on time '' or deleted. It is also a violation of my right to privacy and it harm my general reputation for this inaccurate information.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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.

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.

15 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 non-monetary relief
Consumer complaint received 2023-04-19
Company: Chime Financial Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I disputed the amount for XXXX, chime then closed my account on XX/XX/XXXX. The merchant accepted the charge back as I was wronged and chime apologized for the billing error and ensured me on several occasions that my account closure check would be mailed to me within 30 days, it is now XX/XX/XXXX and no check has been printed or mail and no tracking number has been provided. I had spoken with supervisors and reps some who said the check was sent some who said it wasnt some who just didnt care to help at all. I have lost my car, I am on the verge of eviction and behind on several bills. This situation has worsened my XXXX I am at my breaking point. The reps and supervisors have made tons of escalation tickets claiming they are not in charge of checks and thats all they can do. But the escalation tickets have been very unhelpful Ive had express the severity of the situation on several occasions the company does not care. They are illegally withholding my funds and giving me false information or robotic response that dont apply to my situation. Everytime I reach out for help they say your account has been closed on XX/XX/XXXX and funds will be returned within 30 days but no funds are being returned and its over 30 days. I dont know what else to do Im at my breaking point I just want my money back so I can continue surviving this is so wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently reviewed a copy of my credit report on XX/XX/2019 and noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company forged my initials for a judgement and filed with the court. The violated my personal data. They do not have my whole social security number they are a debt buying company that only has last four digits as social security and has filed judgement and collected money from my pay check off false allegations. They can not provide a through review of transaction history of an agreement between me and them. I called the company and spoke to several advocates no one could properly identity me. I do not go by that name. they could not furnish a proper case number for my case to be identified. They submitted false documents saying they served me at a certain address in 2022 which was not true the description of me is invalid and they can not properly validate the debt because they can not provide proof of my identity. They do not have photo identification of no sort nor the documents proven the collection of debt was sufficient. They do not have valid telephone numbers nor any supporting documents. Under purge of law of TX debt buyers must supply sufficient documents and prove the amount is owed to them by producing statements of the transaction on the account they say I owe. They have violated my rights by using the last 4 digits of my social security to try and validate a debt owed. The have violated public law 95 109, 15 us code 1692g violated FCRA law for not providing details and actual charges and purchases to validate account. section 1692g ( a ) ( 3 ) was not followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I review my credit report, I realized that the same accounts were erroneous. The 3 credit Bureaus are required to update these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please reinvestigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$80.00}

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 non-monetary relief
Consumer complaint received 2019-07-08
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Comenity Bank/CompanyStore changed status of this account on credit bureau reporting. This account was closed and cancelled back in XX/XX/XXXX.

XX/XX/XXXX credit bureau report has changed the running status from XX/XX/XXXX-XX/XX/XXXX to show ND and OK. The closed date has been unauthorized to move to XX/XX/XXXX.

ACCOUNT was closed in XX/XX/XXXX by consumer. 

Report the account accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$3400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
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:
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. 
XXXX XXXX XXXX : {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$880.00}, XXXX : {$310.00}, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 recor
ds of convictions of crimes which antedates the report by more than seven years.

15 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 non-monetary relief
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 belongs to someone else

Complaint:
I've been disputing my credit file with the 3 credit reporting agencies Transunion, XXXX  and XXXX to correct the inaccuracies found on my credit file. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, Open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving accounts high balance does not coincide. Last payment does not coincide, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts, Inorrect Personal Information reporting Wrong social security number reporting. This type of recording is negative and damaging to my credit score and report and is in violation.

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 2023-08-22
Company: Possible Financial Inc
State: OH
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:
In accordance with the Fair Credit Reporting Act POSSIBLE FINANCIALXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX POSSIBLE FINANCIALXXXX  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 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, 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 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 then records of convictions of crimes which antedates the report by more then seven years. 15 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 disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: REGIONS FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Debit card for Regions bank account stopped functioning in readers around XX/XX/XXXX. When I went online to request a new card, I discovered the address was outdated and I had to update it. Customer service advised me that updating an address blocked me from requesting a replacement card for at least one week. 
Efforts to move money from Regions account to an external bank account associated with the same SSN were not successful. It appears Regions was also not able to complete those transactions. This blocked another option for accessing my funds. 
XX/XX/XXXX I requested a new card through the usual online process. According to customer service, card was mailed out on XX/XX/XXXX. 
On XX/XX/XXXX I discovered that Regions has separate address lines for each account, and I had only changed the address for the " global '' settings. I contacted customer service to make sure the card was sent to the correct address and customer service verified the address line by line. I was advised to be patient for the card to arrived. 
On XX/XX/XXXX I contacted customer service when no card had arrived. Customer service asked me to verify the address ( same one as was verified by them on XX/XX/XXXX ) and when I did that, they informed me the address had most likely been misprinted, making the replacement card undeliverable. They advised I call a phone number to get an expedited replacement. 
Any efforts to contact Regions by phone have only resulted in getting stuck in a voice memo system. I returned to customer chat. They informed me they would charge me {$25.00} for an expedited replacement, even though the error was completely on them. When I persisted in saying I would not accept those charges and still expected a replacement card in a timely manner, they suggested I was to blame because of the address change a week prior to my request. When I presented them with evidence that they told me they sent it to the right address on a chat on XX/XX/XXXX, then told me they misprinted it on XXXX, they went back to telling me they were obligated to charge me to expedite my card. 
We have gone a month without debit card access to our account funds. While we can move some money digitally, Regions has greatly restricted our access to our own money by their own poor customer service. We have to pay some expenses with cash or a bank-linked card, which we were using the debit card to pay. With that option unavailable, I have had to pay {$20.00} in transaction fees through this bank ( so far ) in order to move our cash to places that we can access it. I should not have to pay money to access my money, nor should I have to pay a bank extra fees for them to fix their own mistake.

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 2022-10-26
Company: Upgrade, Inc.
State: MI
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:
On XXXX XX/XX/XXXX, I disputed a {$70.00} transaction made on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, Upgrade Inc informed me that the dispute has been declined and that the " provisional credit [ Upgrade InXXXX ] issued will be reversed and [ I ] will be responsible for payment of the transaction ( s ) and related accrued interest. '' On XXXX XX/XX/XXXX, I paid off my Upgrade Inc accounts in full. On XXXX XX/XX/XXXX, I closed my Upgrade accounts with no balance. 

On XXXX XX/XX/XXXX, Upgrade Inc informed me via email that the provisional credit related to the {$70.00} transaction dispute has ( after more than 8 months ) been reversed. Upon logging into my Upgrade account online, I learned my account balance is {$75.00}. However, Upgrade Inc is unable to accept a payment/payoff online because my account is closed. Upon contacting Upgrade by phone, I was informed that payment/payoff by phone is also not an option because my account is closed and that my actual payoff amount through XXXX XX/XX/XXXX would be {$87.00} -- however, Upgrade is unable to accept payment/payoff because my account is closed. Until this is resolved, and until Upgrade Inc can accept a payment/payoff, my balance is presumably accruing interest and reportable to the credit bureaus XXXX XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX of 2023, I received a letter in the mail from XXXX XXXX XXXX XXXX Account Number- XXXX they have attempted to state I owe them a debt incorrectly. As of XX/XX/2023, I am contacting them to inform them of my consumer rights under federal code 15 USC 1692k and 1692CA. This company is more interested in verifying my information instead of understanding my federal rights. I have never given consent to this company to contact me over a debt and there is not a good time to discuss this debt. I want this company to cease and desist from contacting me and not report to any credit reporting agencies, and I want to know how they got additional information 15 USC 1692B. I am also requesting a visual contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX XXXXXXXX TRUIST have my account number and withdrew payment 15 USC 1666 I believe the bill sent to me, is a billing error in accord with 31 USC 3123 and 18 USC 8 16 CFR 681 TRUIST also reported my personal information to the reporting agencies without prior knowledge or consent 12 CFR 1006.34 TRUIST failed to send a Validation of debt notice 15 USC 1692 g I sent a notarized, registered Validation Dispute letter to TRUIST within 5 days of the first bill with no response from TRUIST26

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