BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I would like to submit my complaint regarding this inaccurate information. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the information must be corrected. The following accounts should be fixed or corrected immediately : 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 non-monetary relief
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from 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 non-monetary relief
Consumer complaint received 2022-04-20
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This ERC account with a balance {$2300.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Resurgent Capital Services L.P.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX refuses to remove two accounts of my credit per the collection rights and statue of limitations that is forseen underneath my credit report. For one of the collections, LVNV funding the collection agency is past the limitations of the right to collect data and as of the LAW it states that information reported should be removed that is innacurate or violates the terms of conditions in which the right it has to collect such debt. The collection was sold off to another consumer in which was not the right of the consumer to continue to allow such credit reporting to hinder my credit as such, three years In South Carolina, the statute of limitations for most types of consumer and business debt is three years. Another item that is being reported on my credit is from XXXX XXXX XXXX XXXX this item is past the debt collectors rights to have this item reported on my credit and should be removed as such according to the statue of limitations and its law, The Virginia statute of limitations on debt is five years for written contracts and credit cards and three years for open accounts and oral contracts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Westlake Services, LLC
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Westlake Financial Services for closing my previous complaint and marking it as a duplicate. I had previously submitted a complaint to the CFPB regarding a violation of my Truth in Lending rights by Westlake Financial Services. 

I was informed by the CFPB that my complaint was closed and marked as a duplicate, without any resolution or explanation. This is unacceptable and has left me feeling frustrated and disheartened. 

I believe that my complaint was not a duplicate and that it contained unique information and details regarding my experience with Westlake Financial Services. I strongly believe that my complaint should have been fully investigated and not closed without proper resolution. 

I request that the CFPB re-opens my complaint and investigates it thoroughly. I would also like to receive an explanation as to why my complaint was closed and marked as a duplicate without proper resolution. 

Thank you for your time and attention to this matter. 

Here 's more information on previous complaint : I entered into a loan agreement with this company and was informed that there was no cooling off period, also known as a right of rescission. 

According to the Truth in Lending Act ( TILA ), creditors are required to disclose the right of rescission to borrowers in certain types of consumer credit transactions, such as loans for a primary residence. The right of rescission allows borrowers to cancel a loan without penalty within a certain period of time after the loan is consummated. 

I believe that Westlake Financial Services violated TILA by failing to disclose my right of rescission to me. As a result, I was not able to make an informed decision about the loan and XXXX have suffered financial harm. 

I request that the CFPB investigates this matter and takes appropriate action against Westlake Financial Services to ensure that they comply with TILA and do not violate the rights of other consumers in the future. I also request any possible compensation for the harm caused by this violation. 

Thank you for your time and attention to this matter. 

I have attached the agreement clearly stating " no cooling off period ''

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 2020-07-27
Company: MARINER FINANCE, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I returned a voicemail message from Mariner Finance. I  took a loan out with them by cashing a check they mailed me, so I assumed they wanted to verify my personal information, etc. I spoke with XXXX XXXX, Assistant Manager at the office location of XXXX XXXX XXXX, XXXX XXXX, XXXX TN XXXX. She advised I had {$500.00} available now in additional funds but if I needed more then we could do an application for review on a larger amount. I told her no I did not need more than the {$500.00} that would be fine. She proceeding to verify my personal information and then asking questions like you would be asked doing an application. I stopped her and said I thought you said we didn't have to do an application for the {$500.00}? She said I just have a couple more questions. She then asked when I wanted to close on the additional funds that would be added to my loan, in office or over the phone. I said over the phone and she said I'm sending you an email requesting the documents needed to finalize the loan. I received an email shortly after from XXXX XXXX altering me my credit was pulled. I responded to the email she sent me requesting the additional documents and advised I did not have access to some of the documents due to COVID and working from home and for her to confirm she did not pull my credit and requested she cancel the loan. She advised " I apologize for the misunderstanding. I started out by saying that we would need to update your application '' in order to do a renewal either in office or over the phone. We can still decision the application but I will make a note that you no longer would like to receive the additional funds. '' I responded to her by saying I did not give authorization to pull my credit and she stated the {$500.00} was available to me but if I wanted more then she would do an application and I would not have proceeding knowing my credit was being pulled and the inquiry needed to be removed from my report. She did not respond to that email, so two days later on XX/XX/XXXX I sent another email to her advising I was waiting on a response to my email from XX/XX/XXXX and if she was not able to confirm my credit was not pulled and the if so, the inquiry removed to have her supervisor contact me. I still have yet to get a response to my requests.

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 2022-06-10
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Upon calling Procollect XXXX XXXX used offensive language and rude tactics, refused to provide payoff options, and attempted to force me to pay the debt100 % in full refusing to provide and information about the debt owed. He stated that he didn't give a XXXX about my circumstances or divorce and hung up on me. Upon calling back and for 2nd time asking to speak with some one in management, XXXX then told me I was asking to many questions. Stated he's not hear to answer my questions and to pay the XXXX debt. He then hung up on me a 2nd time. Ultimately. XXXX blocked my ability to pay the debt. Upon calling back the receptionist stated she could no longer see the file and insisted that the only I could talk to someone about the debt would be to email 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 2023-06-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After reviewing my credit report, I found numerous inaccurate names, address, aliases, and addresses that do not belong to me. I want to ensure that you only retaining and reporting true, current, and accurate on my credit report per FCRA regulations and demand, as my lawful right, for names and addresses other than what is listed above and below to be removed immediately as it is not accurate and untrue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Thank you for your urgent response in this matter. 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check that was signed over to me and had the amount in my account to cover what was immediately available and by the time the full amount was available would also have that to cover. Apparently they didn't like the way the check looked however when I went inside the branch AFTER THEM FREEZING MY ACCOUNT and giving me no access to even my own personal funds the banker said there didn't seem to be anything wrong with the check and doesn't understand. So for weeks my money was held up with no explanation nor would they tell me any of my options if any at all amd due to this I have become behind and charged late fees, behind in rent, insurance, utilities etc. Not to mention no gas money for work or to get materials. Then when all said and done they took the check and then canceled me from the bank completely!! I have spoken to many people who bank with this bank and never in this very situation had their OWN money frozen it's not right and caused a lot of confusion and unnecessary issues.

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 2022-09-30
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2022 my XXXX XXXX XXXX was activated and ready for use. 

XX/XX/2022 I inquired about my card being declined, later signed onto the account portal and saw that my card balance was reported as $ XXXX. I immediately reached out to support, and received several contradicting inconsistent answers from different support members. One said that my address is not able to be verified and I'd need to submit additional documentation to verify Business operations. I've already submitted an update address form three times prior to receiving the card because they sent the initial card to the wrong address. Another support member said the negative balance is what is available on the card for spending. Then another support member said they can not do anything and, " take it up '' with account verification and submit verification documents once more. 

My card balance as of XX/XX/2022 now states $ XXXX and still no explanation, or contact by support. I warned them that I will submit complaints to legal authorities if my personal or business credit is negatively impacted by their misreporting, and deceptive business practices.

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 2023-01-26
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: Personal information incorrect

Complaint:
I applied for a rental application on XX/XX/2023 ordered by XXXX XXXX XXXX XXXX. The reporting property involved was XXXX XXXX XXXX who retrieved my credit report from Experian. I currently have a membership with Experian that provides me with up-to-date XXXX score monitoring and notifies me of changes to my credit report. However, the XXXX score Experian provided XXXX XXXX XXXXXXXX showed a major discrepancy in my XXXX score, which was XXXX points lower than my current and accurate XXXX score to date. Additionally, my date of birth was inaccurate. This major discrepancy reduced my chances for the approval of my rental application. Consequently, I was placed on a contingent approval rather than a direct approval. Furthermore, the discrepancy resulted in a higher security deposit. I consistently use Experians service to monitor my credit score and changes to my credit. I am truly disappointed in how this major discrepancy negatively affected my life.

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 2023-08-27
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Hi, I applied for three new U.S. passports on XX/XX/2022. I applied for XXXX adult and XXXX minor passport at the XXXX location ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX, XXXX XXXXXXXX XXXX XXXX ). For the adult passport, the mode of payment is made through a check, and the minor passport payment is made with a money order ( serial no. XXXX ). 

I was supposed to be charged {$260.00} on my debit card ( which includes a minor passport fee + passport card+ XXXX passport pictures for the XXXX passports + XXXX x XXXX execution fee ), and the fee for XXXX adult passports is paid by check from my husband 's account, XXXX XXXX XXXX attached those statements ). 

Unfortunately, during the payment processing, the acceptance facility 's system got hung, and the associate had to execute the same payment twice, thinking the first payment didn't go through. But during this, my checking account got charged twice for {$260.00} using the debit card. 

I didn't notice the charge right away. When I noticed I thought the payment would be reversed on its own, as one person can not be charged twice for the same serial number of money order for the same transaction. 

I contacted Chase Bank, and they rejected the request since it was an authorized transaction at the facility for the passport. After repeated trials with the Bank, I am communicated that the USPS facility has done the transaction in a cash-back form, so they can not file this claim.

The USPS back-and-forth reply " Unfortunately, We can not initiate any refund on our end after this long and have no access to transactions past 1 week. You need to dispute the charges with your bank. They have access and the ability to research and refund the funds as necessary. Please share our contact info with them if they request it. '' I am contacting you so that the amount above can be refunded. I have all the documents with me. Please let me know what needs to be done next. 

This is so much of a hassle and a XXXX box for a customer.

Company response to consumer: Closed with explanation