BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-27
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was contacted a couple of months ago by XXXX XXXX at First Tennessee Bank telling me that the bank needed to change the name on my business account to reflect more accurately the type of business I was now in. I told her that my company name was XXXX XXXX XXXX and that was what was registered with the Secretary of State of Tennessee. It also was what I had registered with the Internal Revenue Service, it is what is printed on my checks, and it is the name that my continuous bond is registered with U.S. Customs. I told her the bank could not change the name of my account from it's legal DBA name. I then received an unsigned letter last week from First Tennessee Bank saying that I had agreed that First Tennessee would have the authority to terminate my account. I certainly never agreed to allow the bank to close my account without cause. I believe my account was opened in XX/XX/1994 so I can not recite the exact terms I agreed to and they furnished nothing in the way of documentation, what terms I agreed to when I opened my account. I realize that banks find small business probably more of a nuisance and so are not big on providing them customer service but I have always maintained my account in good order. Being a XXXX XXXX XXXXt and also have my XXXX degree in XXXX I do know that a bank can not force companies to change their name on their account to something like " Guy who sells stuff on the internet '' when his legal DBA name for the corporation is XXXX XXXX XXXX. Either this is an attempt to harass small business into closing their accounts or the bank is actually going to change customer bank account names from the name under which they do business. Either would certainly exceed the authority a bank has over my money. This has caused me tremendous damage both in time and angst in having to relocate my account and also being told that I can not talk to someone in compliance because they don't talk to customers. I am therefore wishing to file a formal complaint against First Tennessee Bank. I will be happy to furnish whatever documentation you require. 
I have also filed this complaint with the Office of the Comptroller of the Currency and will be filing with the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Army and Air Force Exchange Service
State: MO
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/1986 SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act MILITARY STAR XXXX, has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Sincerely, 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 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022, I received an alert from my credit reporting company that a hard credit pull was reported on my credit. I have a fraud alert & security freeze on my credit. I contacted TransUnion and was instructed to contact Bank XXXX XXXX to see if they will provide a letter clearing the hard pull. I filed a complaint with Bank XXXX XXXX XXXX department, in which I was told that someone filled out an application for a credit with them but the application has not been processed. I told them that it was fraud and that I did not fill out nor apply for any credit. I asked how was this application even get processed because I have a fraud alert & security freeze on my credit. I was told that the it can still be processed even with all the security measures that I have in place on my credit. Bank XXXX XXXX said that they would investigate & then notify me of the decision. I received a letter stating that the credit pull was correct & they will not withdraw the hard pull from my credit. I did not apply for any type of credit with Bank XXXX XXXX XXXX I want this hard pull removed from my credit. This is fraudulent & I have a freeze on my credit & fraud alert. Im trying to figure out how did this even get processed. It was listed as : BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. 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 2019-10-12
Company: Radius Global Solutions LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original Creditor XXXX XXXX XXXX hospital for emergency room visit XX/XX/2016. Turned over to collection agency Radius Global Solutions. Amount of debt {$320.00}. Military retiree XXXX XXXX  payed for this service and informed the hospital that I didn't have to pay out of pocket, because they are a XXXX network provider. Now 3yrs and 8mos later this same bill that was payed by XXXX XXXX military retiree 3yrs and 8mos ago shows as a collection on my credit report and drop my credit score 30 points. If this debt hadn't been payed wouldn't it had gone to collections and reported to credit reporting agencies way before now. I served my country for 20yrs in the military and I don't deserve to be extorted by America greed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: NJ
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:
Below the following inquiries were pulled without my knowledge : : 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

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 


XXXX XXXX XXXX {$790.00} Original XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX reference XXXX 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 2023-03-10
Company: Kashable LLC
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:
Contacted kashable LLC they provided documentation stating that account was paid as agreed and never late XXXX keeps reporting late payment I have disputed for two months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of three of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: ENCORE CAPITAL GROUP INC.
State: NV
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:
MY DEBT WAS CHARGED OFF BY XX/XX/XXXX BANK OVER A YEAR AGO. 
They call me over XXXX times a day while am at work. I READ its againts the LAW for a collections company to try or collect money from me. That has been charged off by original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This marks the fourth time I am submitting a complaint, and I am following up to address the upcoming credit report update within the next 15 days. While I am grateful for the efforts made to remove some inquiries from my file related to the alleged identity theft, there are still remaining items that require attention. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report, specifically # XXXX. I would like to emphasize that the items in question are not associated with any transactions for goods, services, or money that I have either made or authorized. Therefore, I kindly request the removal of the following items from my credit file : XXXX : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX TRANSUNION XXXX XXXX DC XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH 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 2023-05-02
Company: Self Financial Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I opened an account with self inc. It is advertised with making a small payment into a savings account, set amount per month and then gives you positive payment on your credit file. They allow you to make payments monthly and can pay it off sooner and get your payout quicker from your savings. This is the issue I completed my savings early, the company sent me an email advising i would get my payout deposited on XX/XX/2023. 
I got a second email requesting to prove my identity. In the email i need to provide my social security card, id, photo of me holding my id and a copy of my bank statements. 

All those things right there, they can steal your identity. 

I called the company, the women who i spoke with advised me i would not get my payout of their program till i supplied all that info. This part was not in any documentation! They have XXXX dollars of my money that belongs to me. 

i supplied the documents, but on the bank statement i redacted all the info except what they requested. it showed the checking account number i made the payments from as well as, where they took out the payments from my account. They contacted me today and advised that wasn't good enough. I have all their emails Very misleading company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: FC HoldCo LLC
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 information incorrect

Complaint:
Two issues : 1. Flagship credit acceptance corporation is reporting in accurate information about my account number XXXX to both XXXX and XXXX. XXXX is correct. As you can see that on XXXX they updated on XX/XX/28, but on XXXX and XXXX they didn't report for XXXX. Since XX/XX/XXXX I have paid flagship a total of {$2300.00}. 

2. Flagship credit acceptance says I have a past due of {$20.00}. I made a payment twice to get that addressed 3 times ( XX/XX/XXXX and XX/XX/XXXX ), but as you can see by my current statement and online they still say I have a {$20.00} past due. I called on XX/XX/XXXX and they said that they would remove the past due and it is still on my account, yet I have now tried three times to get it corrected and have paid them 3 times now, a {$100.00} payment on XX/XX/XXXX {$100.00}. 

3. On XXXX and XXXX they show 2 late payments, but on XXXX they show 1. 

This account is affecting my credit score and my ability to obtain financing for a house and a new vehicle.

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 2023-01-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/2023 or provide proof in writing within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In 2010 I was sent to collections for not paying for a laptop I got on financing. I paid and paid for years but because of interest rates the amount owed never went down. I was sent to collections. This year they finally sued me. I went to the court date and they said they would garnish my wages. They havent done it and now theyre harassing me for my personal financial information. There is a 7 year statute of limits in NJ and they are still coming for me and threatening to send me to jail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: Perfection Collection
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today I received an alert from my credit monitoring service that this collection agency has reported that I owe them money for an alleged debt. I have never done business with this company. I have never received any correspondence from this company notifying at all prior to taking this audacious act to defame me and negatively impact me financially not to mention defaming my name without due process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America checking account has been reported on the credit report and XXXX XXXX as fraudulent. I wrote to the company that my debit card was stolen/lost, but they still said it was fraudulent. I am unaware of any fraudulent activity that happened on the account because as stated before my card was stolen. Bank of America still hasn't updated me on exactly what was going on on the account, but according to my report, I see an unpaid XXXX closure of {$2400.00}. Due to me not having any knowledge about this activity on my account and me also reporting this countless amount of times I want this removed from my report 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 2021-08-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I traveled to XXXX on XX/XX/30 and came back to the states on XXXX. On XXXX my account had fraudulent activity that was resolved and refunds were made back to my account. After I received my new debit card I activated it on Friday and had fraudulent activity on my account the next day. The fraudulent activity was charges made to the same company that made fraudulent activity on my first account. I contacted my bank to submit a fraudulent claims on my debit card and let them know I did not approve of these two transactions ( XXXX and XXXX ). They said that I was sent push notifications to my phone and that I verified the purchase by giving them a confirmation code to continue the purchase. The entire communication that I had with them over the phone indicated that I did not make this purchase or approve of it. I've tried to appeal and they said I can't because the purchase was verified with this code. I tried to ask what evidence they would need in order for me to not verify this was a fraudulent transaction and they still denied me the opportunity to appeal these charges. I'm worried someone has stolen my identity and will negatively affect other financial accounts I have. I'm doing what I can to protect myself but their investigation of my complaint was not completely investigated.

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 2020-12-05
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid off settlement of XXXX. Contacted company on XXXX to change report on the credit bureaus Was told i needed to wait on the next update. I was also told i did not owe anything anymore.It still shows as account open in my report.it has been 2 months on last call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Unlawfully denying my consumer credit transaction for false non-decisive factors, pursuant to 15 U.S. Code 1691.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: CA
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 sent a letter to Experian, XXXX and XXXX on XX/XX/2022, It been well over 30 days. I still have not received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX XXXX and XXXX have 30 days to respond to my dispute. This is a violation of my rights

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