BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-21
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had to sell my home due to being laid off in order to live off of the equity until I am back on my feet again. The sale went through and I received a check for over {$130000.00} which I deposited at Regions Bank in XXXX, GA on XX/XX/20. The bank immediately froze my account and it remains frozen. According to the banker in the XXXX branch, there are two reasons for this freeze : 1, the account balance at the time of the deposit was $ XXXX, and 2, the size of the deposit. She states she can do nothing until her manager gets back later in the week. Meanwhile, I've missed my first month 's rent in my new apartment. The Regions website and my banker have both told me Regions can not withhold funds for more than 7 business days. We are beyond 7 business days at this point.

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 2020-12-21
Company: Gemini Direct LLC, dba Credit Innovation Group
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I paid XXXX plus XXXX for 6 months, they said it would be 4 months they said i would have access to all 3 beareaus i had to pay seperate and give them my logins so they could " dispute charges '' for me XXXX a month they signed into my XXXX  XXXX, my XXXX.XXXX, my XXXX accounts stealing my info and lowering my score i had credit card fraud after this. i cant tell if it was them BUT ; they said my rent would be reported to every agency, every month for the life of how long i lived there It was not reported to the agencies but 1, XXXX  and it was for one month after months of asking it should have shown 16 months on report my credit dropped and was not improved i can no longer dispute erorrs with the credit bureaus i was suppose to be able to get a home loan after 6 months with a low credit score this was not done i contacted by email and phone got no return call after " agent '' changed to 5 different people " assigned '' to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT, THEY ARE BELOW. 

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 2020-12-21
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt Collector : CONSUMER ADJUSTMENT CO ACCOUNT NUMBER XXXX XX/XX/XXXX I disputed with XX/XX/XXXX, which I received a generic automated response, stating the debt was verified and accurate. 

I sent the attached letter to Consumer Adjustment asking for validation. I have attached their email response and a copy of paperwork they attached. 

They failed to provide any answers to my letter that I requested. 

The unverified items listed below remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company keeps verifying debt with credit reporting agencies. 

Company never responded to debt validation request when I reached out Company has violated the FCRA and FDCPA Account is reporting inaccurate on all three credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i sent in documents stating that the information that is being reporting is fraud to remove it

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 requesting that you take appropriate action to investigate and remove them from my credit report.

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 2023-02-09
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I bought a car from XXXX XXXX XXXX of XXXX Va XXXX XXXX XXXX XXXX XXXX, Back in XXXX XX/XX/2020 the sales person XXXX XXXX dose not work there anymore, I put XXXX down on the Vehicle which cost XXXX and after we discussed every my payments were supposed to be XXXX monthly For 36 months is what I was told, but when I asked them how much more do I owe they said XXXX more! they said nothing about XXXX percent rate, everything in this contract is False information, And I believe my rights were violated, I Am XXXX XXXX XXXX my birthday was Sunday and I was planning on paying my car off which I know is less then XXXX I havent been able to eat or sleep behind this situation, And I was struggling too keep the payments up this long, And Now they are trying too make me pay XXXX total amount for this vehicle on a 72 month plan! That very stressful! Because I would have never took this car in the first place if they would have been straightforward with Me! I really Need Help! Thank you XXXX XXXX! Finance through Credit Acceptance corp!

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 2023-12-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
fraudalent transaction that have cause me to suffer i have reachdd out to my bank to allow them its fraud they mentioned it was an ach payment and cant do nothing about it XXXX amount XXXX XXXX amount XXXX XXXX amount XXXX XXXX amount XXXX XXXX amount XXXX XXXX amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Revco Management, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I got a collections notice from this company today. About two months ago they were mailed a written letter from me requesting no contact in accordance with the CFPB laws. I got a letter in the mail today. Next communication from the company & my lawyer will be writing them with a summons for breaking civil law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06
Company: EQUIFAX, INC.
State: OH
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 checked my credit report and saw that there are 3 student loans on my credit report that are not mine. I listed these 3 accounts on a Identity Theft Report. I have reached out to XXXX, EQUIFAX AND XXXX AND LET THEM KNOW THAT THESE ARE NOT MY ACCOUNTS BUT THEY HAVE NOT CHANGED MY INFORMATION.I have no idea how i have these accounts on my profile. XXXX, XXXX AND EQUIFAX are BREAKING THE LAW because although i have disputed these items, They are in violation of federal consumer law. 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer to whom it relates. I as a consumer have NEVER given EQUIFAX, XXXX OR XXXX ANY Written instructions or consent to report anything on my credit report. NO CONSENT MEANS IDENTITY THEFT. I am demanding these 3 items be removed because it isn't fair to me as a consumer and they are fraudulent accounts. If they are not removed, I will not extend my credit to anyone anymore or allow Equifax, XXXX or XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. There are inaccuracies on these fraudulent accounts as well and these 3 consumer reporting agencies aren't reporting the same information. These inaccuracies on my credit report it has caused me to lose faith in the banking system. If Equifax. XXXX and Equifax wants to continue doing business with me then they must delete these Inaccurate accounts off my consumer report. This isnt fair to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never opened this account I told them this before and they keep trying to collect that is not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2020-12-21
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have repeatedly contacted XXXX Visa and sent in proof through varies forms of communication including email, mail, fax and have spoken to representatives that have refused to transfer me to a supervisor in the compliance department regarding a mistake in my payment history. I will once again provide evidence that states every excuse Ive been given such as : bank account number not existing, my bank unable to locate account number and my payment being set up incorrectly. I contacted my bank and they have sent me a written statement saying they never sent a payment to XXXX  Visa because none was requested. I will send in evidence in the form of a bank statement showing my bank account was open and active for the month Im disputing which is XXXX of 2020. I am sending an email confirmation of the payment being set up on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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

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 2023-07-15
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2022-03-02
Company: EQUIFAX, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
XXXX of 2021, XXXX of 2021, and XX/XX/XXXX I sent certified letters to XXXX, Equifax, and XXXX demanding verification of XXXX XXXX  and all of the documentation for verification of the account to be provided to me. I sent the requests via certified mail and never received any documentation of the verification ; and the transaction was updated to include more erroneous information. 

I sent certified letters requesting the following 1. The name of who verified 2. Documents that show I agreed to pay 3. Agreement that grants XXXX XXXX authority to collect alleged debt 4. Purchase Agreement 5. My signature saying I agreed to pay debt If you can not send me this information I demand you to remove the account. If not I will be taking this into litigation for willful non compliance pursuant to 15 USC 1681n and will be expecting and invoice for {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Debt Recovery Solutions, LLC
State: CA
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:
Back on XX/XX/2020, I received a response from this Company which was this -- -- -XXXX XXXX - This office acknowledges receipt of the complaint you have filed with the Consumer Financial Protection Bureau . I have carefully reviewed our account history and have confirmed that instructions were submitted to the credit reporting agencies to have this account deleted from your credit report. On this date we have submitted an additional set of instructions to have this matter deleted. If you wish, I can provide you a letter confirming that your account is closed and this matter should be deleted from your credit history. Please accept my apology for this issue. Please feel free to contact me directly if I can be of further assistance. XXXX XXXX Debt Recovery Solutions , LLC Managing Member/General Counsel XXXX -- -- Since then I have made several phone call attempts to this Company and Mr XXXX requesting that he supplies me with the correct information and name of the Company in which they had tried to collect on a previously discharged Bankruptcy debt for. Because the name that had been given to me when I first learned about this debt and contacted them was incorrect. They told me that the debt was for my XXXX credit card, however after further investigation, this is not true. Therefore, I will once again ask them through this complaint portal for the correct name of the Company that had sold them this debt or the name of the original creditor, preferably just the name of the original creditor would be sufficient. Since I have tried to request this information by telephone, and have received absolutely no response from them regarding this request, I am forced to file yet another complaint through here requesting this information from them. This is unacceptable for them to completely ignore my requests for the name of the original creditor since this has affected me a great deal since the collection had began by this company, negatively affected me I should say since then. It is my right to know the details of this collection attempt if I should choose to request it from them anyhow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, 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:
I'm a victim of fraud/identity theft. These Inquiries are not mine nor did I authorize them. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We apply for and received assistance from Louisiana XXXX XXXX XXXX. Or application has been showing the same status for 30 days waiting on information from Applicant lender which is Well Fargo. When we call Wells Fargo all we get is the transfer from one department to another then a disconnect Wells Fargo Account 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 2020-12-22
Company: AMERISAVE MORTGAGE CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/20, I used XXXX XXXX to shop around for mortgage refinancing rates. AmeriSave appeared to have the best rates. I was only interested in a 15 year fixed with no points. Once I selected the option based on the quotes provided ( at 2.125 % at the time ), I started the application until I got to the part that I needed to authorize the credit check. I wanted to confirm the rate I was getting before authorizing the credit check because I didn't want my credit score to be affected if the rate was not what I wanted. I called the toll free number and a loan consultant answered the phone right away. He confirmed on the phone that I would be getting 2.125 % with no points. He then collected all my information ( it took around 10 minutes ). When it got to the end, he told me that my rate without points would be 2.625 %. I was very upset because the whole reason I called was to confirm my rate before authorizing the credit report check. Needless to say I did not go with them. I then went to XXXX XXXX to check the rate options from AmeriSave again and took a screenshot. Although the rate went up slightly ( 2.25 % ), it was clear it still showed no points.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Experian Information Solutions Inc.
State: NV
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  Account # XXXX XXXX XXXX XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-03-27
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:
Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. I was unaware and did not give permission for my information to be shared. I ask that you please REMOVE the accounts listed below and update any payments that are listed.

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