BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Asked to close account multiple times, requested to put a stop on everything and they will failed to do this. They keep telling me to call the fraud department and that number hangs up on you. The next issue is they keep reopening an account once you close it. If there are ACH or deposits they should fail and I as a consumer should contact the companies. 

REGIONS bank is the worst bank ever. DO NOT USE THIS BANK ....

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 2022-05-17
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until Mar 2023 XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$1100.00} written off. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. 
XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XXXX XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX A 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 non-monetary relief
Consumer complaint received 2023-03-31
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
i rescinded all contracts signed under my name with navy federals institution in the year 2022. Pursant to federal and state laws. i excercised my right to rescind these contracts due to the fact that proper notice of my right to rescind the contracts due to the fact that proper notice of my right to rescind was never sent to me, as required by the Truth in Lending Act ( TILA ), Regulation Z, and state laws governing consumer protection. My right to rescind was failed. the securities transactions are voidable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have done everything possible to get my XXXX money from this company since XX/XX/XXXX. It now XX/XX/XXXX. I have been filing my weekly claims and the money has been going on to the card every week for almost a year but I still do not have access to my money because I still have not received my ReliaCard in the mail. It says they sent it out last year in XXXX, but it never came because I moved. I changed my address on my account, I got my address changed on my driver 's license, I have called every number possible to verify my identity with ReliaCard as well as verified my ID on their website by taking a picture of my driver 's license and a selfie, more than several times. Still nothing. I am about to get evicted from my home because I am so behind on rent as I have been waiting months to get my XXXX money to get caught up on bills. This company is extremely unprofessional and I believe it is fraudulent. I am not the only one having this problem, I am one of thousands of XXXX  who still have not received their XXXX money whose life is now in shambles because they have been relying on this money to get by! Please help!!!! I just want them to mail me my new ReliaCard with the account unlocked so I can access my money and keep my home!

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 2023-03-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A collection showing on my credit report does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 A.aw to be reporting improper accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I disputed with Eperian the following accounts reported by- XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  , and XXXX XXXX XXXX in the file you maintain under my Social Security number. And on XX/XX/XXXX I was informed that these items were deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to the subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to purse legal action for your blatant disregard to the law. I have attached the letter that I resent to the credit bureaus.

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 2018-05-15
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
XXXX XXXX XXXX is reporting on my credit report as a closed/unpaid account. It was originally in the amount of {$680.00}. This entire debt of {$680.00} was pain In XX/XX/2018. However, it is a balance on the account as of today of {$110.00}. This is inaccurate because the {$680.00} was paid to the company. And the company failed to remove this debt from my credit report. The acct # as reported is XXXX in the original amount of {$680.00} which was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My bank closed my account due to a check being deposited into my account I didnt know at that time was fraudulent. I still have a balance in my account but theyre refusing to send it to me because theyre saying I need to come into a branch with my ID in order to get MY MONEY. At the time of this issue, I was living in New Jersey within 50 miles of a branch. Only thing that was stopping from going there at the was the fact that I was waiting for my ID to come in the mail because the one I had was expired. Now, I no longer live in New Jersey or within 50 miles and theyre still refusing to send me MY MONEY even tho they said they would if I didnt live within 50 miles of a branch. And the last person I spoke to told me to stop at branch when I travel. Not knowing I moved due the hardship I was facing. Not because I wanted to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 took a copy of my credit report on XX/XX/XXXX from transunion. I have seen 2 inquiries on my account from XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX, Mo XXXX, XXXX ) requested on XX/XX/XXXX and from XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX, DeXXXX XXXX requested on XX/XX/XXXX I did requested nothing from both of them, also i didnt give my premisson to someone else, to use my information or to try to do something else under my name.

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 2023-07-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 1. The following personal information is incorrect Account Number : EMPLOYER : XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In the month of XX/XX/2021 I applied for an American Express card, which included my social security card, also known as my open end credit card per 15 USC 1602 ( l ). American Express denied my application but was paid by my open end credit card. On XX/XX/2021 I forwarded a letter, which detailed the above, and also included the remedies sought by this writer. To date " American Express '' has not responded, the letter also explained that they " American Express '' are civilly and criminally liable per 15 USC 1611 and 145 USC 1692 ( k ). My desire is to resolve this outside of Federal Court. The Adverse letter that received from them is not in compliance with Federal guidelines per 15 USC 1681 ( m ). If American Express doesn't resolve this issue with me I will file a lawsuit against them. They only seem to listen to LEGAL action. Please look into this while I start my legal claim. I have already consulted and hired an attorney who handles issues like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: OLD NATIONAL BANCORP
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This occurred during the transition from First Midwest Bank to Old Nation Bank. 
When I asked if there was going to be a problem with the timing I was told not to worry, it would be a seamless transition. 

I wrote a check to XXXX XXXX for {$1600.00} XX/XX/XXXX on my checking account at First Midwest Bank. I received notification from XXXX XXXX that they had not received my payment. When I checked the number of the check on my account I found out the check had been cashed for {$5000.00} to a person I did not know. I immediately went to the bank ( then First Midwest ) and spoke with XXXX on XX/XX/XXXX. She printed up the check and asked if I knew XXXX XXXX ( the man who altered the check ). I said I had no idea who he was and she did paper work to submit to the bank for bank fraud. I signed the form she gave me and it was notarized at the bank. She suggested I file a police report. I called the police on XX/XX/XXXX and filled out the report ( # XXXX ) with the XXXX XXXX XXXX XXXX Department for forgery and took it to the bank, gave it to XXXX and she sent it in. 

After about two months I thought I should see what was going on and I spoke to XXXX, a banker ( now Old National Bank ). She tried to get in touch with them and after several attempts told me she would call me at home when she knew anything. She called that XXXX  and said she was told it would take 4 to 6 months and I would by notified by mail. 

After 4 months I tried calling customer service at Old National Bank and was told they could not give me any information on the phone nor could they connect me with anyone to discuss this problem. I was told to go to the bank and see a banker. 

I waited until the 6 months were up and went to the bank to try to find out what was going on. I met with banker # 3, XXXX. she said she would find out what was happening and call me. A few days later she said she was told I would have to come into the bank and sign another affidavit. She apologized. I came in on XX/XX/XXXX, signed the paper work and it was notarized and sent in. 

I returned to the bank on XX/XX/XXXX and asked what was happening. she had heard nothing. I asked her to get in contact with the bank and asked that I be given a telephone number of an administrator ( not customer service ) so I could get some answers. As of Saturday, XX/XX/XXXX I have heard nothing.

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 2021-05-13
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This collection was placed on my credit report and my daughter by NATIONAL CREDIT SYSTEMS INC without notice. The collection does not belong to me or my daughter. It has harmed my and my daughters credit report. My score has dropped by 50 points on my XXXX credit report and XXXX dropped 22 points and XXXX  dropped by 14 points according to my FICO score. I reached out to this agency many times. I called one supervisor and he never called me back. I left him a voicemail. I called again and spoke to multiple people including a supervisor and she hung up on me ; when I questioned why she kept putting me on hold and answering other calls. She said other people were calling and I suggested she allow them to go to voice mail as happened to me before. She then got angry and eventually hung up on me repeatedly calling my name. I I asked them to do the research and please remove this from my account. I was in the process of attempting to purchase a home and secure housing for my daughter. I contacted the agency multiple times and they told me it was my responsibility to dispute with credit bureau. I think you should pull the tapes of the recorded conversations to demonstrate how rude and unhelpful this agency has been. They later sent a letter saying they investigated and the results remained the same. They also added a Louisiana address that I have never resided at.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Credit card was opened fraudulently in my name Reported to XXXX  and was removed from report Is reporting on my credit report again

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I believe either Citi or XXXX stole XXXX from me. I got a check in the mail ( XXXX or XXXX ) with no restrictions on it from Citi bank for XXXX I put it in my XXXX XXXX XXXX XXXX. Citi then sent a maxed out credit card for XXXX and I was told to pay it back immediately. I paid it back XX/XX/XXXX check # XXXX. I paid XXXX EXACTLY. That should have been the end of it but Citi will not leave me alone stating their interest rate 29.99 % along with a late fee ( monthly ) XXXX on a fraudulent amount of money I have no idea where they manufactured that from. A random number in their head I suppose. 
They now think I owe them XXXX it looks like this : previous balance XXXX payment XXXX, credit XXXX, purchases ( I sent all their credit cards shredded back to them via registered mail on XXXX/XXXX/XXXX  ) XXXX, cash advances XXXX, Fees {$41.00}, interest XXXX I asked them to use the XXXX redeemable thank you points and they deleted them all no credit to me. 
Someone called and asked for {$60.00} I said I wasn't born yesterday and don't send money to people who call me on the phone. Citi immediately reported this to the credit bureaus. I began with XXXX credit score Citi has ALONE brought it down to XXXX. BY THEMSELVES. They are vindictive liars. I wrote on a check PAID IN FULL. They cashed it and think I still owe more money. I DO NOT. I am paid in full. I paid them : XXXX ; {$190.00} on XXXX {$190.00} on XXXX {$26.00}

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