BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
To start off, I am XXXX. I am XXXX, which in America is considered a XXXX. It is XXXXXXXX XXXX. I have tried resolving these problems with Regions Bank many many times, in attempts to get relief from the overdraft fees of well over {$200.00} a month for the last year or more. The majority of the time I have been opted out of overdraft protection. 

As it stands right now, my bank account is- {$820.00}. My paycheck will not be coming to this bank account any longer, as I will not be able to pay rent or anything of the sort if it did. 

With that said, I am currently opted in to overdraft protection, which I did because I needed it this past week. My limit is- {$200.00}. So please have someone explain to me how transactions do not get declined, and at what point they do get declined, or if their abusive practices simply allow it to go that negative due to my direct deposit coming through each month. 

I have gone to the XXXX  in hopes that I receive a refund for the past year of overdraft payments, as many times they have overdrafted me on {$2.00} charges. From the dates XX/XX/2021 to about XX/XX/2021 I was on Social Security XXXX, and that was my only income. 

This entity is financially abusing me and I have no escape from it. It does not matter to me if these charges are bounced- I can manage without them until paydays. What I can't do is handle $ 200+ a month in overdraft fees when I am already living paycheck to paycheck and counting on my elderly mother for food and utilities. 

If this is not abuse, then I will not be using a bank account in America any longer. I want to see more action taken against Regions Bank than them simply sending me a letter in the mail instead of responding to me through the channel that I chose. They didn't even have my address entered correctly. 

This is unacceptable. XXXX XXXX 's bill, the Stop Overdraft Profiteering Act of 2021, has seemed to have an impact as Regions is discontinuing overdraft fees, but Regions still refuses to offer any assistance by refunding the fees or preventing them from continuing. 

It does not cost these banks {$35.00} for a {$2.00} fee! THIS IS LEGAL FRAUD. The economy is crashing and it's America 's banks that are at fault. If nothing is done regarding this case, I am switching solely to Bitcoin. They will not get another penny out of me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be deleted. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get omitted immediately. 
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 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 2022-11-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I received a welcome letter from XXXX XXXX XXXX congratulating me on my {$4500.00} credit limit. Account # XXXX, opened XX/XX/XXXX. I did not received a card or any other information. This is not my account. 

On XX/XX/XXXX, I checked my credit report, and saw that {$3100.00} has been charged on a XXXX XXXX XXXX Credit Card. There is a {$3200.00} credit limit. I was informed that this was an online purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was checking my credit report and I got shocked from what I saw Its impossible to believe that you reported negative account which is not mine. I never had it so because of you I have low credit score what means I'm not able to buy apartment for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 2017-07-18
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:
My inquiry to the County Recorder of Deeds and U.S. Bankruptcy Courts confirmed  XXXX ,  XXXX , nor Equifax has ever validated or verified these public record entries on my credit report, neither will they ever be verified by the courts. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I request that the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureaus needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given  XXXX ,  XXXX  and Equifax multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated. I am hoping this matter will result in the removal of the bankruptcy from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Diversified Recovery Services Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account A DIVERS RECOVERY {$2400.00} I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-15
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was requesting a reimbursement for payments made during forbearance on my direct loans. I consolidated and made the request through XXXX, my loan were then teansfered back to mohela, which is where they originated and payments were made. On XX/XX/XXXX I called mohela and requested reimbursement, they informed me I was eligible and put the request in. I followed up half a dozen times. They kept telling me that it was sent to the dept. of treasury and I could expect my refund. I recieved forgiveness is XX/XX/XXXX so I called again to make sure that my forgiveness wasn't going to change my refund and I was informed it wouldn't. I called again this past Tuesday XX/XX/XXXX and I spoke to someone who told me that for some reason there was a stop on my request. She said that she could see I was eligible to have XXXX payments refunded and she called a supervisor. She concluded the conversation by stating that she was going to send the refund back through with priority after having the supervisor approve it. She told me to call back in XXXX week. I called back on XX/XX/XXXX and the person I spoke to said that I wasn't eligible for refund because my payments were made before consolidation. I have been getting different stories and no answers for a long time. It was made clear to me many times that I would receive a refund. My loans were direct loans at the time payment was made and it was made to mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. I started send in Dispute letters to the Credit Bureaus on XX/XX/2022 until XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, the Credit Bureaus seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that the Credit Bureaus investigate and verify the accuracy of the items I am disputing by providing me with documents which bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding then investigation and the documents I have been requesting, but after a time of waiting, the Credit Bureaus sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothin to correct my Credit File. Now, I am submitting this complaint to urge the Credit Bureaus to remove the disputed items with or without proper investigation since the time allotted for the Credit Bureaus to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance XXXX {$23000.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XX/XX/2022

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 2022-11-05
Company: Experian Information Solutions Inc.
State: KY
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 submitted dispute and they did not fix it. There are 3 accounts that are incorrect. All three are paid by garnishment and or by insurance also they made the balance greater after my dispute and it is on a closed account.They will not allow me to dispute anymore and it leaves the accounts showing negative on my report however other credit reports did fix them but Experian and XXXX and XXXX XXXX  is blocking me to prevent me from disputing these accounts.

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 2021-09-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased an Ebook online for {$18.00} and when I checked my bank statement, there were two charges on my card for {$18.00} and {$27.00}. The charge descriptions on the statement says that both charges are for the same order # XXXX. However, my receipt shows that there should only be one charge for {$18.00}. I explained the situation to Wells Fargo and provided the receipt as proof but my dispute was denied.

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 2021-06-11
Company: Credit Management Control, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX M SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDMGMTCNTL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CREDMGMTCNTL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance Owed : {$6100.00} ; XXXX XXXX  Balance Owed : {$2700.00} ; XXXX XXXXXXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00}.

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 non-monetary relief
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: MN
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 is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance Owed : {$6100.00} ; XXXX XXXXXXXX Balance Owed : {$2700.00} ; XXXX XXXXXXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Spoke to XXXX in Texas she stated in XXXX 2021 my escrow account paid {$7900.00} for my Homeowner Insurance. XX/XX/2021 new homeowner was paid XXXX. I told her I talk to XXXX with customer service XX/XX/2021, she said after the adjustment was made to my Homeowner insurance Mr. Cooper would send me a check form escrow for overage of escrow. I never received the check from Mr. Cooper for escrow overage. I was told by XXXX customer service Mr. Cooper I would have to request the overage payment from my Insurance Company for any overage in my escrow account. Mr. Cooper was collecting for City , County taxes and Homeowner Insurance of which was included with my mortgage payment and was collecting with my mortgage payment as well as for my escrow account. I live in the county and do not pay county taxes. I have informed Mr. Cooper of this several times. Also Mr. Cooper customer service dept. and escrow dept. has servicer federal guidelines they must follow. I don't want to be taken advantage of because someone isn't knowledgeable or does not know how to do their job.

Company response to consumer: Closed with explanation