BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX, 2022, I stepped to stay at XXXX XXXX in the middle of the country, on my way to XXXX. I had to stop because it was night and there were no lights on the roads. I was given room XXXX, but when I tried to turn on the heater it was not working. I asked the receptionist to move me to another room and she told me there were no other rooms available. I asked for a refund, and she said that XXXX XXXX doesnt give refunds. I called Regions bank and the bank told me that I need to wait until the funds processed to file a dispute on XXXX XXXX, 2022, I filed a dispute. I never received any information about the dispute. I finally, on XXXX, 2022, I was told that the bank decided to not refund me for the hotel stay, even though I sent pictures of the broken heater and room number and evidence I was at XXXX  XXXX from my mobile device, At that point, I asked for it to be put in writing that I wouldnt receive a refund with an explanation and XXXX XXXX XXXX, told me that he wasnt going to allow his employees to put the explanation in written form. The result was that I left the bank disappointed and without a valid reason why my purchases werent being protected from merchants who called not maintain an expected quality of service for the price and product rendered. No one should be forced to pay {$91.00} for a single night in a hotel room without heat. XXXX is necessary basic need and is included in expected services provided by the hotel. 
In addition, I had other disputes in the past that were treated in the same manner. This is the first dispute that I am making a claim about.

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 2021-06-06
Company: EQUIFAX, INC.
State: GA
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 noticed there were a few inquiries on my report that I did not recognize. & had not applied for. I contacted Equifax and told them I did not apply for anything from XXXX XXXX, XXXX XXXX, XXXX  or XXXX XXXX and requested that it be deleted and they refused. I want this deleted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated accounts ; total accounts, open accounts, closed accounts, balances, payments, and inquiries were properly investigated but how is that possible if the last activity date for each account is different? This is clearly inaccurate which means it is grounds for removal, update information, for claims of up to {$1000.00} per violation. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law also states that if a credit bureau places information on a report it knows to be inaccurate, a consumer can claim up to {$1000.00} for each willful violation. I have not made late payments to companies XXXX XXXX XXXX Date XXXX XX/XX/2019 XXXX XXXX  Date : XX/XX/2019 XXXX This in inaccurate reporting and needs to be removed from my credit report immediately or furher action will be in pursuit per the Fair Credit Reporting Act.

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 account that is kept 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 this account. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: HGREG.com
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Damage caused or loss of personal items in vehicle during the actual repossession

Complaint:
I bought a XXXX XXXX vehicle on XX/XX/XXXX, which had problems on the fourth day after purchase. They made me sign the contract without explaining anything to me about what was in it. Their justification was that everything was for my credit approval. On XX/XX/XXXX, the vehicle was requested to be repaired on the XXXX day since it had overheating problems and an hgreg Manager told me that he would repair it for free since it was within the warranty period, at that time it was declared that the vehicle would be repaired for free since it was within the 5 days in which I could request a full refund of my money, they told me that the vehicle could be repaired that Friday, so on Monday they would contact me. They called me on Monday telling me that they would send me an address to go and leave the vehicle since it had overheating problems, I waited all day and that address never came, it happened on Tuesday and that's why I called again on Wednesday and just At that moment they gave me the address over the phone, on Thursday I couldn't take it and on Friday, XX/XX/XXXX, I called them because when I started the vehicle it still had the fault and I told them that it needs a tow truck, which they sent it to me on Monday. XX/XX/XXXX, since then I have never seen the car again until today, they told me that the only fault it had was the water pump that the vehicle would be repaired by XX/XX/XXXX, on the XXXX I They say that the vehicle had a failure in the head gasket that they requested and it would arrive on the XXXX, in that process I requested by email via text and call the return of my money since I did not want the vehicle that failed on the XXXX day of purchased, they do not give me a response and I go to the scene on XX/XX/XXXX to tell them that I do not want the vehicle, we cancel the contract and they tell me that the engine is damaged and that they are not going to be responsible for the repair, something that was never reported on. I believe that they damaged the engine while making the changes and since I asked for the refund they did that damage on purpose. I have a camera outside the house that shows that the vehicle was stopped. I assume that they did the damage when they changed the gasket. cylinder head, they damaged the car since engine failure was never reported until I personally went to hgreg they want to blame me for the inefficiency of their mechanics making me spend more money, they never told me anything about the extended warranty, they never changed the car 's oil, they postponed everything, I have more statements from people to whom they did the same thing and we are managing a class action lawsuit in addition to taking this to the media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: NATIONSTAR MORTGAGE LLC
State: OK
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I attempted to file application for a loan modification program, known as HAMP which the deadline was XXXX, 2016. As supported by documents attached, all of the necessary materials that was asked of me was given and submitted to NationStar Mortgage on XXXX 2016. XXXX made sure that I submitted a completed application and submitted the application to Nation Star mortgage on my behalf. Although NationStar wrote me and stated that I did receive a loan modification, the problem is my payment stayed exactly the same. Nationstar wrote that the purpose of the loan modification was to provide immediate financial relief but why would they keep my payment exactly the same if the goal was to provide immediate financial relief? In conclusion, I turned in an completed application on XXXX, 2016 before the XXXX, 2016 deadline and have the attachment to prove it. Secondly, NationStar informed me in writing that my loan was modified but kept my loan payment exactly the same. Furthermore, I would like NationStar to explain how providing " immediate financial relief '' equates to keeping my payments exactly the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Citi bank is trying to collect on time barred debt and in order to get that done they filed in Federal court with false allegations about fraudulent charges when in fact the bank has never before brought up that argument and all charges were legit and even Citi has already sent me 1099c 's for this old debt they just trying to create a narrative to try to collect an old debt

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 2021-05-15
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

2. XXXX  - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

3. XXXX XXXX  XXXX  - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

4. XXXX  XXXX  - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX  XXXX  onXX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was offered a position at XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) on XX/XX/2022 as an XXXX XXXX and I proceeded to accept the position. I was then requested by my employer, as part of my employment, to receive funds into my account, then withdraw the funds and deposit them into cryptocurrency accounts. After making the deposits and completing my work assignments as requested, I did not receive my commission payments as indicated in my employment letter. After my employer defaulted on my pay, I was also no longer able to contact them. I subsequently submitted a complaint to the Texas Attorney General ( complaint number XXXX ). About XXXX  weeks after I was unable to reach my employer, I suddenly found out that my account was overdrawn in several steps of - {$XXXX}, - {$XXXX}, and - {$XXXX}. I contacted Bank of America immediately and initiated a claim. It is very clear that I did not make the withdrawals that have led to my account being overdrawn. In addition, I do not have any overdraft facility with Bank of America. Therefore, the withdrawals that led to my account being overdrawn should not have been authorized by Bank of America. They represent either negligence or a breach of Bank of America 's security and are therefore not my responsibility. I know it takes great courage for me to disclose all of this, but I just want to be able to start over from scratch. This incident has damaged my relationships with not only my parents but also other family members. I have also lost all credibility and am left with XXXX confidence. I can only hope that with your assistance, your knowledge, and your competence we may find the common ground, and a good resolution because I wish this had not happened to me or anybody I know since, for a young man, I believe there is no worse feeling than this.

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 2023-02-08
Company: TD BANK US HOLDING COMPANY
State: NY
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 XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have rights to privacy.

15 USC 1681 Section 064 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

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: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX XXXX XXXX XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : ... XXXX XXXX XXXX XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

DEPT OF ED/XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF ED/XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF ED/XXXX # XXXX T Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF EDXXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # ** *Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP.

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 2023-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance with the Fair Credit Reporting Act, Bank Of America, 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 ( a ) : It also states a consumer reporting agency can not furnish a account wthout my written instructions.

15 U.S.C 166b A. Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

I am not liable for this debt with Bank Of America. I do not have a contract with Bank Of America, they did not provide me with the original contract I requested.

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 2023-02-01
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Due to the ongoing problem with Wells Fargo they continue to reverse the credits. Cause me overdraft fees and Im on a fixed income. They just caused me to not make a car payment because the took XXXX and change from my account. Now I have been in the red since. No one listens and I get the phone hung up on me every time. This company abuses the rights of XXXX but yet they never seem to pay for what they do wrong. If I did this to someone I would be in jail.

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 2023-11-02
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent this company a 609 letter stating that this debt is not mine and that I would like to see a debt validation letter in XXXX when this first appeared on the credit report. This company continues to put this debt on after we have already disputed and clear the debt with the the credit Bureaus before. This is not my debt and I would like it to be removed off of my credit report, due to the fact that is is NOT MY DEBT and also it hurts my credit rating to be able to leverage my credit to get a new home. Please remove this off my report.

Company response to consumer: Closed with non-monetary relief