BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-15
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened account with Regions bank on XX/XX/XXXX.Today, XX/XX/XXXX, my wallet was stolen. I immediately called police and the Regions branch on XXXX XXXX XXXX XXXX, XXXX TN XXXX where I first opened my account at as it was the only quick Regions number I could find from the binder I was given when I opened the account.I never used my cards for once since I opened the account. I spoke to the branch manager named XXXX XXXX XXXX and requested that he should stop both my debit and access cards because someone just stole my wallet. He told me he did stop the cards and I should not worry and my money is still there. I asked him over and over to make sure whether or not I should call another number to stop the cards or if he could transfer me to the fraud department.He did not refer me or transfer me to the Regions bank fraud department.He told me that he has handled it and told me I should n't worry again. 
An hour later while I was making the police report, XXXX XXXX called me and told me that he has let a lady and a man withdraw {$3400.00} out of my account and he told me it 's because they had my ID and everything so he gave the money. 
This seems like he made a deal with the thieves.This is unprofessional and how can someone withdraw my hard earned money simply because they had my ID? I have the phone records.I called the police and the bank about the same time.An hour later he let the thieve get my hard earned money.

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 2020-02-11
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Sunrise Credit Services and I do not have a contract with this company.

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 2023-09-20
Company: Bread Financial Holdings, Inc.
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
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:
XXXX XXXX XXXX Account # XXXX verified as accurate. How is this account accurate if the term duration is in accurate, as well as high credit amount, last reported date is inaccurate, & the date last active & last payment date is inaccurate, and most important my birthdate is wrong on my consumer report. Any automated response, or E-Oscar verification is unacceptable. I am requesting your method of verification according to the XXXX XXXX Compliance standards. This listed item is entirely inaccurate and incomplete, and must be deleted.

15 U.S.C. 1681 ( A ) ( 4 ). - I have the right to privacy.

15 U.S.C. 1681b ( A ) ( 2 ) - Consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c ( A ) ( 5 ) - Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681i ( 5 ) ( I ) -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if the item is found to be inaccurate/incomplete it must be deleted.

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 2020-02-12
Company: BTH Management
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i pull my credit report and i see this debt that i am unfamiliar with i tried to contact them and also sent m, y dispute letters to them i have not received a respond and i want this debt to be remove because its hurting my credit score

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I am writing to file a formal complaint against TransUnion for their negligence in updating my credit report to reflect that an account with XXXX XXXX has been paid in full. Despite numerous disputes with documentation and proof of payment, TransUnion has failed to update my credit report and this has caused significant harm to my financial standing. 

I have sent TransUnion multiple documents proving that the account with XXXX XXXX has been paid in full, but they have not taken any action to update my credit report. This has caused my credit score to suffer and has resulted in me being denied credit and loan applications.

I have made several attempts to resolve this issue with TransUnion, but they have not been responsive. I have contacted their customer service department multiple times, but they have not taken any action to resolve the issue. 

I demand that TransUnion immediately update my credit report to reflect that the account with XXXX XXXX has been paid in full. I also request that TransUnion compensate me for any damages that I have suffered as a result of their negligence. 

I appreciate your attention to this matter and look forward to a prompt resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have been contacted multiple times by a collection agency that goes by two separate names ; Central Financial Control & Syndicated Office Systems. They are trying to collect on a medical debt that is a result of identity theft. I never went to that hospital in XXXX. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens. How can they overpay to maintain the agencies from deleting an account? I think it 's because I 'm XXXX and they might think I 'm here illegally ; I swear I '' m a US Citizen. Attached are my letters my XXXX advisor told me to fill out and have sent. The credit bureaus have done an ok job at communication, but it 's still on my credit report. I 've been trying to get this taken care of now because I 'm tiring to get a place to live and buy. The loan officer said I could n't get the loan because the collection is in dispute and I would have to call and admits I do n't want to challenge it.. which I refuse to do because it 's not mine. The bureaus said they verified everything with the source ... How? I 'm needing help handle this because I have nowhere else other than these government places and XXXX rights place which they told me to record calls and track stuff which I have. Thank you for your time XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Planet home lending was my loan servicer they foreclosed on my property even though they had my modification application in hand and even though I was sick with the coronavirus while on the phone with them in the last few days of before the Foreclosure they still would not give me any extension for the sale date and I ended up getting the law librarian sick because of my selfishness and wanting to keep my home I was in there trying to learn the law to save my house she was very sick for many months and still probably has not forgiven me because I don't have any help from the law library anymore. On the Foreclosure sale date I was there at the location where they said the foreclosures auction was going to be and there was absolutely no auction at all in any sense. Even though there was no auction they said there was one and even though it was supposed to be a free competitive auction the VA put a stipulation saying that the loan service can only bid so much, which makes it not a free and competitive auction. So I then contacted the VA to explain that the Foreclosure had gone through and when I informed my VA loan technician XXXX XXXX that it was now time for me to start making payments to them directly like he had explained to me was going to happen they told me that they could have done that but they couldn't get a hold of me so now it's too late even though the auction was just yesterday and it's a done deal sorry there goes your house that you worked the last 15 years almost on and put every XXXX of your XXXX into ( by the way the XXXX comes from combat ). After a very long time of arguing with several different people in the VA loan technician 's office the boss finally admitted that I was told that by the person but that that person didn't know what they were talking about and there's no way they could do that kind of thing unless the house has some a lot of value to it and mine did and mine fit the description a home that is eligible to be what is called refunded by the VA. So end result VA has some middleman company hiring an eviction company to get me evicted I explained to that eviction company that my rights are in place my rights are called redemption period Rights and they pretend to have never heard of these kinds of things so they went and after many many lies convincing the court that they tried to notify me of different events was able to get a court date for an eviction without me being notified. The eviction company 's name is XXXX XXXX XXXXXXXX. I doubt anything I say at this point matters because it's proven on so many occasions that I can do everything right somebody's going to XXXX  smack me down. My number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I filed numerous complaints with different companies XXXX of them being the XXXX i. Which they told me to file a complaint with this company. I filed a complaint and I received a notice back from Cash App. I reached out to cash app to provide the requested information and this is what I was told. It seems as though cash app does not want repay me the money they took

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: IN
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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received an emailed thanking me for applying for a Sapphire Chase Credit Card. I immediately contacted chase and informed them that I did not apply for the card. They told me someone applied for this using my social security number on XX/XX/23. They dismissed the application and reported this as fraud and stated everything was reversed and would be taken care of on their end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've never received a loan statement for a regulation Z 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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am writing to request your assistance in removing erroneous late payments from my credit report. The late payments in question were reported by two companies : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 

I have been a responsible borrower and due to a mistake on the part of these two companies, my credit report now shows late payments that are not accurate. By law both companies have been issued a request for compliance to an OPT OUT of sharing personal nonpublic financial information to 3rd parties. 

I am requesting that you intervene on my behalf and assist me in having these late payments removed from my credit report. I have attached copies of my credit report and any supporting documents that may be helpful.

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 2023-04-28
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: Personal information incorrect

Complaint:
Tried to remove wrong addresses and was unable, I do not live at these addresses nor can I be reached there. I am trying to prevent identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: Resurgent Capital Services L.P.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Resurgent Capital Services L.P. send me a letter that they manage the Credit Card Account of original Creditor XXXX ( XXXX ) for LVNV Funding LLC. Their letter also refers to XXXX XXXX . The original debt was Charged Off XX/XX/XXXX. Resurgent states that it is an attempt to collect a debt. And is trying to collect debt that you owe to LVNV Funding LLC. They will use any information to collect the debt. 

Personally, the debt have been charged off in XX/XX/XXXX. I suffered economic loss from XX/XX/XXXX forward to XX/XX/XXXX+ in the cost to have financial access to banks and institutions. I do NOT owe any such debt. I do NOT have the economic resources to engage with Resurgent Capital Services. 

I am a senior citizen, and Retired US Combat Veteran with service connected XXXX which included a XXXX Diagnosis. This letter from Resurgent Capital Services creates great stress, XXXX, XXXX and mental fatigue. Ask Resurgent Capital Services to STOP immediately from any further contact with me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Business Checking account and Platinum Money Market account in branch at US Bank on XX/XX/XXXX, providing the promotional code XXXX at the time of account opening ( documentation of the original offer in full is attached below ). The banker made sure the promotional code was correctly entered. The promotion offered a {$400.00} bonus when the terms were met. The terms of the offer were : 1. open a Business Checking and Platinum Money Market account between XX/XX/XXXX and XX/XX/XXXX, and 2. Deposit {$5000.00} via ACH, Direct, Mobile,  or Wire deposit within 30 days. It was also suggested at the time of opening that the account fees would be waived for the first three months of service. As per the terms of the offer, I opened my account within the proper time frame ( XX/XX/XXXX ) and deposited {$5000.00} into my account via ACH on XX/XX/XXXX ( which was within the first 30 days of account opening ). The documentation of this ACH deposit is attached below. As per the full terms of the offer ( documentation attached ), I should have received my bonus from US Bank within 45 days of deposit ( which would have been XX/XX/XXXX ). I did not receive the bonus and reached out to the main US Bank phone #. I was told by a representative that I would need to contact my local branch directly. Over the next six weeks I sent 11 emails, most of them unreturned, made multiple phone calls ( in which I was told to call back at another time ), as well as visited the branch in person ( my banker was not in ) to try to resolve the issue. The banker replied via email on XX/XX/XXXX to simply to restate the terms that the US Bank main office said I needed to deposit {$5000.00} in the first 30 days of account opening to receive the bonus. I replied that I did, as documented below, on XX/XX/XXXX. I have received no additional response since, even after following up several more times. Even though I met all the specific terms of the offer ( as documented in detail ) and attempted to resolve this situation in good faith on multiple occasions, I was unable to get the issue addressed, and still have not received the bonus. US Bank has not honored their end of this promotion, and my many attempts to resolve this have gone ignored. I am respectfully requesting that this promotion be honored and {$400.00} credited to my account, in addition to two months statement fees reversed ( for XX/XX/XXXX, and XX/XX/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 monetary relief
Consumer complaint received 2023-09-20
Company: Spring Oaks Capital, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I attempted to settle this matter with Spring Oak Capital LLC in XXXX ( see exhibit C ) to no avail. I restarted this process again in XX/XX/XXXX and Spring Oak Capital LLC is still violating the FDCPA in pursuant to 15 USC 1692 ( c ) continuing to indirectly communicate via credit reporting agencies after request was made to cease and desist all communications via any medium other than US Postal mail ( see exhibits A & B ). 15 USC 1692 ( g ) ( b ) which they have failed to provide verification, the name and address of the original creditor which I requested ( see exhibit B ). Spring Oaks Capital LLC has continued to violate my consumer rights. The response that I've received from Spring Oaks Capital LLC is that they refuse to grant my request ( see exhibit D ) which is absurd to me as a federally protected consumer as they are continuing to violate federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
By the provisions of the Fair Credit Reporting Act, I am sending request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00}

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