BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-02
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I've filed multiple complaints with Regions Bank for fraudulent charges to my checking account via debit card, yet they close out all my claims. I'm a victim of identity theft and have told them this. 
They close out my claims and say they need more documentation, instead of keeping claims open and obtaining the docs they need to investigate. I assume they do this so they don't hit the 10 day statute. 
Also, the software their investigations department uses is biased to go against customer 's interests. Regions is trying to reduce claims that get sent over to VISA. Because of this MANY valid and LEGITIMATE disputes for fraud or did not receive goods/services are being denied and the consumer has to suffer. This also raises concern over Regions not recognizes true and actual fraud and taking steps accordingly to protect the consumer, since their software denies customer 's claims. 
In my personal experience, I am now facing a great economic hardship because they refuse to push my disputes over to Visa. I have a police report, FTC report, and affidavit- yet Region 's  software keeps denying my claims. I'm not able to speak with the investigative department, nor are the customer service reps. 
My claims are 10 days past due. I am not counting them closing my claims just because they don't want to wait for docs. They rely heavily on their banking policies, but Federal mandated regulations for Federal Banks always trump internal banking policies.

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 2023-12-06
Company: CAINE & WEINER COMPANY, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector violated the FDCPA by engaging in abusive, deceptive, and unfair activities. They provided this account on which we did not agree and on which I did not sign an agreement. A legal contract is signed by two parties, and I was not a part of any of them. Furthermore, they did not follow the necessary 5-step validation method, resulting in unfair practices. According to the FDCPA, I am entitled to {$1000.00} each infraction, and they blatantly violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions 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:
Ive submitted complaints XXXX and XXXX on XX/XX/XXXX for Acct. # XXXX that is with XXXX. The results from both complaints were verified. In the complaints i stated XXXX is reporting XX/XX/XXXX for date of last activity while Experian is reporting XX/XX/XXXX. This is over half a year difference. I pulled my credit report XX/XX/XXXX and the same information is reporting. Id like to know how is the account verified when the facts are directly from my credit report??? Ive pointed out the inaccuracy, gave the company an opportunity to cure by deleting the account and the company refuses to do so while falsifying information in the company response. I demand the account be deleted due to the reporting of inaccurate information and given I have been denied an extension of credit due to this account which has caused my family severe harm, I demand a monetary settlement of XXXX dollars under 15 U.S. Code 1681n - Civil liability for willful noncompliance. Ill provide documentation how both Experian and XXXX verified the accounts and how thats impossible given my credit report still reflects the inaccurate information stated above.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
today was my third attempt to resolve this issue XX/XX/2024 I signed up for a class action and XXXX XXXX took it upon themselves to changew my mailing address to the lawfirm that represents this classaction I never gave them ( XXXXXXXX XXXX  ) permission or the Law firm XXXX XXXX XXXX XXXX ) permission to make these changes. I called the law firm also by XXXX their information they have no reason to change my address nor was this requesred by this firm as well as myself. Now i have this law firm address reporting on all XXXX of my credit bureaus as a known new address??? I am so upset XXXX XXXX XXXX gave me the run around as well as all XXXX  credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
In XXXX and XXXX of 2022, I filed a dispute online with Equifax and XXXX. I stated several times that I did not authorize the inquiries and they insisted that they were mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: GA
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:
I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies ' actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter.

I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information.

FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( a ) ( 1 ) ( A ) ) The right to a reasonable investigation of disputed information ( Section 611 ( a ) ( 2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( a ) ( 6 ) ) The right to delete or modify inaccurate information ( Section 611 ( a ) ( 5 ) )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have reviewed my credit report and have noticed so illegal activities regarding the reporting of certain information. Please see attachments for directions on what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
MR COOPER refuses to send my ESCROW nor Interest check. I paid off mortgage on XX/XX/XXXX. As of XX/XX/XXXX I still have not received my escrow nor interest check. I had a name change 2016 and received a letter from MR. COOPER verifying the change. I was sent an escrow check in the wrong name ( and bank will not take it. ) Called the company and was assured that a new check with the correct name would arrive within 2 weeks. When I called after that time I was told that I needed to submit documents for my name change ( which they had in the notes that they had received and noted that a letter was sent verify that the name was changed. ) The name change would take another week and then they would send a check. I escalated after the rep told me I should have taken care of the situation inXX/XX/XXXX. The Escalation Manager XXXX XXXX told me on XXXX that I would have a check that would be sent by XXXX on XX/XX/XXXX. He gave me a tracking number via email that turned out to be fake. I called back on Monday XX/XX/XXXX and spoke to another Escalation Manager XXXX XXXX who was quick to tell us that the company was human and therefore we should expect errors. She assured us she would send us an email with an update. She sent an email that confirmed the correct address but that she would have to let us know when the check would be sent. Today XX/XX/XXXX we called again and she gave us a routing number that the ESCROW would be sent via XXXX. No info on the interest payment. I still have not received the money due to me nor will I receive interest that is due to me for not having it. Yet I'm sure MR COOPER is making money off my XXXX that is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Transunion is reporting this information. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collectiom/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Transunion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC so 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2022-09-28
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2022 I XXXX XXXX received a response from all three credit bureaus XXXX, XXXX and Experian saying my information was verified. Under law it cant be verified if I never have permission to report. 

Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681B 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681B 4

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 2021-05-16
Company: EQUIFAX, INC.
State: NC
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 have received a copy of my credit report and it shows company XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$740.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: MA
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:
Upon reviewing my consumer report, I see that XXXX XXXX XXXX has reported late payments on my consumer report. The account is reported incorrectly and inaccurately. This account must be removed from my consumer report. Please see attached, you will see how incorrect its reported across all 3 bureaus. Months are not the same. It violates the consumer law below. 
15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : 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 2022-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello my name is XXXX XXXX and i recently got scammed bad By someone pretending to have good intentions about a month ago. This lady messaged me and told me that i could make a little money by helping her XXXX some money to different " orphanages '' and her paying through checks so I accepted and she sent these checks over, which ended up going through and showing up on the account. I had been away from my phone for a long while after they went through and i wasn't expecting them to actually go through but when they did i thought the lady was legit. But since i was away she got mad and threatened to take legal action and call the police for " stealing ' " her '' money and not sending some to the " orphanages '' so when the money came in i was already in too deep i thought that she was going to call the cops and get me sued or something because she was threatening me very seriously and the money went through, so I did what she asked and XXXX  out money XXXX $ at a time to different because she made me and i was being threatened, but i never sent out more than she sent me through checks. This went on for a couple of days with her getting more demanding and demanding but there wasnt much i could do because she was threatening to freeze my account and all these things if i didnt listen. In total, i ended up sending out XXXX $ and i had " kept '' XXXX for myself. But one day she stopped talking to me and all of those checks that she sent bounced and they turned out to be fraudulent checks which i didnt know to begin with, and my account went negative. I tried taking it to the fraud department at Bank Of America, but they denied the claim and wont give me my money back. I was wrongfully scammed and taken advantage of and threatened after the fake money was sent my way and she used threats as leverage to get me to send money out and then bounce the checks out so i lose all my money and ive lost it all i need my money back i cant be left with nothing. This started on XX/XX/XXXX and the final check bounced on 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 explanation
Consumer complaint received 2019-07-02
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2017 I used my credit card for a friend that lives out of the country to pay a some type of fees on his timeshare account with XXXX XXXX XXXX XXXX XXXX XXXX ; Because his credit/debit card was declined due to his banking security issues and he was not able to use his own credit/debit card at that time, so I used my card for the transaction. That was the ( ONLY TRANSACTION ) I allowed to be made on my credit card and never signed any contract with XXXX XXXX XXXX XXXX. ; After a couple of months I was traveling in XXXX and tried to use my card for a small purchase and the transaction was denied, I figured that the transaction was declined because I was out of the country at that time. Once I arrived back to the United States I contacted my bank and logged in to my online account only to find out that there were several large amount charges from XXXX XXXX XXXX  / XXXX on my credit cards, so I contacted my credit card companies and let them know that the transactions were not authorized by me, so they place a claim for the transactions. Everything seems to be fixed for a while but after a couple of months the charges were reversed back to my account and the bank issued me a letter stating that XXXX XXXX XXXX XXXX. XXXX. ; provided them with my authorization for the transactions when I did not. XXXX XXXX XXXX XXXX. XXXX. negligently and knowingly charged my cards without my authorization for their member/stockholder account because their member/stockholder credit/debit card would not go through for the transactions, so they charged my cards over and over. Without my authorization XXXX XXXX XXXX XXXX. XXXX. saved my card information on their system without notifying either myself or their member/stockholder. 

After and while looking up the company online I found similar situations, they are money hungry and their agents try and do anything to get money in no matter what even it it is to break law in every aspect. 

Now, I owe my credit card companies {$42000.00} not counting interests and my credit card companies only tells me to go to the police and nothing is resolved. 

Now the only choice I have is to file a law suit in Federal Court to  recover the moneys they charged me because I can never pay this amount. 

This also have impacted dramatically my credit scores making it impossible for me to get a loan due to extremely high interest charges. Even more, myself and my partner have almost all of our accounts jointly and his credit has also been affected dramatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Experian Information Solutions Inc.
State: PA
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 have contacted all XXXX credit bureaus challenging the factual and accurate reporting of this account that is showing up on my credit report XXXX...... i have contacted them XXXX times and each time it comes back as verified as accurate ... ..how is this possible when there are multiple inconsistencies in the reporting between the XXXX bureaus???? i have attached a copy of the report with all of the inconsistencies circled ... ..they did not conduct proper investigations and are XXXX  ME the consumer ....

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 2023-10-20
Company: Ability Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX {$2400.00} Open balance Original creditor Opened XX/XX/2023 ( XXXX mos ) Original creditor name XXXX XXXX RESPONSE This is coming up in my credit report as collection. I have not had anything with either of these two creditors and I called the XXXX to see if they had my information and they were not able to even find my name or birth date. This was opened but it was not me who owes them and no bill was even sent to me I only noticed because I check my credit reports regularly.

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 2023-10-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
on XX/XX/2023 i went to the gas station to fill up my car the amount on the pump was XXXX my credit card was charge XXXX credit card company said they can not help me with out a receipt.

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