BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
Company: Zions Debt Holdings
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: Account information incorrect

Complaint:
According to the Fair Credit Reporting Act says if a company semds information via electronically it says 14 days to allow a responce. 
I received an email from Zion Debt Holdings whixh went into my spam mail. The email only gave me 4 days to even respond to it and then put it on my credit report. 
That is not good practice for a Debt Collection Company to do, not even give me time to respond, make any arrangements to keep off credit, since the email aaid if I dont call or respond in 4 days it will go on my credit which is a threat.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: LoanCare, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
The CFPB complaint ( XXXX ) was closed before you actually looked at the account history for the late fees being applied. In your response you stated that partial payments are passed into a suspense account until the full amount to be paid for the month is received. This is not what happened. If you had actually looked at the account history for the complaint of late payments you would quickly see that you had placed {$600.00} into suspense then applied {$550.00} as additional principle. The amount owed for the month was then {$1000.00} because you didnt apply anything to the monthly balance. You would think it would be pretty obvious that if the monthly payment was not yet paid that that is what the payment is supposed to be for, and not additional principle. And because nothing was applied to the monthly payment you took it out of the next months payment, causing that month to be late. then you did it to the next month and so on... 

You also missed the issue regarding why the payment was 30 days late for the bankruptcy. It was late because YOUR COMPANY WITHOUT NOTICE TOOK AWAY OUR ABILITY TO PAY! When we CALLED YOUR COMPANY REFUSED TO REACTIVATE OUR NORMAL PAYMENT METHOD IN ORDER TO PAY ON TIME. This caused us to be 30 days late as we had to send the check by mail because again you refused to let us pay how we paid for a year or two upto that point!!! IT WAS YOUR REFUSAL OF PAYMENT THAT CAUSED US TO BE LATE. YOU WITHOUT NOTICE DEACTIVATED AN ACCOUNT THAT WE USED TO MAKE PAYMENTS FOR OVER A YEAR THEN REFUSED TO REACTIVATE IT WHEN WE CALLED MAKING IT IMPOSSIBLE TO MAKE A PAYMENT ONTIME.

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 2023-06-26
Company: Block, Inc.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have attempted to rectify several charges with this company, and they do nothing to return my money. Now they close my account, and still have not given the stolen money back. They are a shady company that I have filed numerous disputes with, and they do nothing to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019, I was in XXXX XXXX XXXX, XXXX while returning to my hotel i got into a cab and then the driver proceeded the wrong way. Soon after he stopped and a second man entered the back seat and put a burlap sack over my head. Then took my belongings which were My I-phone, and Phone case which contained my Dr Lisc., Regions Bank Debit Card and XXXX  Credit Card . Then they drove around while accessing my phone via facial recognition getting into my accounts and asking me questions like passwords and pin numbers and how much money is in my accounts. After they were satisfied they drop me off on a random road about 30 min drive from my hotel. I then ran down the street looking for a gas station or somewhere to call my hotel ( XXXX XXXX XXXX XXXX XXXX ) at this point that's all i thought i could trust to pick me up. As i had no money or ID on me anymore. I found a gas station the worker was really helpful as he didn't speak any english but realize i was in distress and not from the area he let me use his cell phone and looked up the hotel phone number to call. Hotel picked me up and took me back upon reaching the manager on duty around XXXX XXXX was there and told me get some rest and when i wake up he would have the head of security ( business card attached ) to escort me to the police station and translate my story to them. ( XXXX Police report attached ) When able to gain internet access, I saw that my Regions account was emptied and cancelled my ATM card. 
I have repeatedly contacted Regions Bank but have only received two identical form letters ( attached ) as a response. Both letters denied my claim and stated " Transaction verified with your card credentials. Transaction passed fraud analysis '' I have requested further details as to why the claim was denied and discuss with a manager but have received no response after 3 phone attempts and one visit to a local branch Although the fraud was reported in less that 48 hrs. ( Regions email attached ) I have been unable to find anyone to help in resolving this issue.

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 2023-05-03
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear paypal, on my email i received a notificacion about my account. 
We need some information regarding your PayPal account. ( Ref ID - XXXX ) After a few hour i received another email about my account is permanent limited and i never has a chance to send my document. 

I never has this problem before i will apreciate to get help to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Submitted identity theft dispute provided the necessary documentation and seem to be getting the run around company keep asking for the same documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: WorldRemit Corp.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX i did use the service at WORLDREMIT XXXX with a reference # XXXX my card was charged for {$100.00} for the remittance and the service, however after consistent calling chatting what happened to my remittance they said it was been cancelled so i said ok, but then yet they still took my money out into my account that until now i still dont have it back into my bank as I've been in constant contact w/ my bank as well.i got an email & text for the transaction for the few days saying that the amount would be available for my recipient same day, then after contacting them, again on Chat and phone call they said transaction has been cancelled. and the money has already been returned to my bank which is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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: Information belongs to someone else

Complaint:
This inquiry does not belong to me and I have no association with these creditors. Kindly remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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: Their investigation did not fix an error on your report

Complaint:
Experian has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Experian provide me copies of documents bearing my signature to verify the status of the disputed account. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-daXXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account below should be deleted XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/2014 Balance : Balance : {$0.00}

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 2022-12-07
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-25
Company: EQUIFAX, INC.
State: PA
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 started a contract with XXXX ( XXXX ) around XX/XX/XXXX. I didn't believe the service was effective so I called the following month to cancel it. I was informed that only the manager of the local branch could cancel it. I tried to get in contact with the manager at the closest branch ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ) but kept being told that he was unavailable. I left several messages and attempted to contact them several times before finally reaching him in XXXX. He came out to my house for me to explain why I was dissatisfied with the service and verbally agreed to cancel it along with anything that may be outstanding. When he got back to his office, he sent me an email on XX/XX/XXXX stating : " Just to confirm, I have cancelled both the pest control and exclusion agreements as we discussed. Also the remaining balance of the monthly payment plan is in the process of being cancelled. Please disregard any statements you have received and save this email for your records. '' That was 3 years ago and on my XXXX credit reports with XXXX, Equifax XXXX XXXX it shows 1 or 2 late payments between XX/XX/XXXX & XX/XX/XXXX. I filed a dispute with all XXXX of the credit bureaus and sent a copy of the email from the local branch manager, and still it remains on all of my reports. I asked the bureau why, they said that the furnisher of the financing ( XXXX ) said that the information on my report was accurate. Clearly it's not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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:
When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-06-21
Company: EQUIFAX, INC.
State: VA
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-25
Company: Nelnet, Inc.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I applied for a XXXX loan through the XXXX in XXXX of 2004. The Company Nelnet ended up servicing the loan. They supplied me with a Master promissory note with my signature, proving that it was a consumer credit transaction, and they did not give me credit, as I am the original creditor. I am asserting that I owed nothing after I signed the document and my credit was utilized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: NY
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX MORTGAGE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, 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 have consistently made timely payments on this account and have worked hard to do so. It is unacceptable that a late payment has been reported. Please see the attached documents and remove this late payment from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I purchased my first home with my then husband, in XXXX of 1992, The program was called " XXXXXXXX XXXX XXXX '' Both of us qualified for the loan and have a recorded deed and note. Years later I call the bank inquiring as to why I am not getting the credit in which I should as to our mortgage? I never have never gifted nor sign anything to anyone. Therefore I am in need as to how this took place. The bank refuses to talk to be about it since the showing that I qualified for my mortgage that should have been paid off next year? When my husband and I where to refi, on a void agreement and still his wife, did not mean to add his girlfriend now wife to my house and take mine off. Where are my papers that I paid the bank off? I have many concerns as to how this happened? Thank you for possibly getting my answer in which I have every right to get. 
Thank you!

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 2021-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bank of America has reported on XXXX ID # that they suspected me of fraud in XX/XX/17 for an amount of XXXX $ rtn XXXX XXXX. They have impacted me from getting any other accounts for my new business and personal accounts at any other banks. This information is wrong there was no fraud. I did own the account and I never did anything that should be reported as fraud. I demanded bank of America to remove this or show proof through XXXX XXXX but nothing has come out of it. I do know that I left the account in a negative balance but was going to pay it off as soon as I had the money. Also, I suspected Bank of America of adding more fees and changing the dates on the closed date with the intent to keep it on my report for a longer time. I tried opening a business account but with no success due to this reporting. BofA is acting like a XXXX loan shark and borders on the side of illegal.

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 2023-04-07
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-12-25
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: Account information incorrect

Complaint:
I have inquiries from XXXX XXXX dated for XX/XX/XXXX and XX/XX/XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are unauthorized inquiries and I also have no account or do business with this lender please remove from my credit report these inquiries are hindering my well being and score. I would also like you to remove all names and addresses different from XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX TX XXXX.I have became a victim of fraud with accounts and personal information used to get credit in my name a account XXXX XXXX XX/XX/XXXX XXXX bal {$4900.00} I have also attached the report that was made ID.gov .Please remove all incorrect info.

Company response to consumer: Closed with explanation