BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: REGIONS FINANCIAL CORPORATION
State: FL
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: Transaction was not authorized

Complaint:
On XX/XX/XXXX I received a call from Regions Bank stating there was recent unusual activity on my account. I was shopping at XXXX which is located in the same plaza as Regions Bank so I told the representative of Regions that I was going to drive to the bank and asked him to hold on. I spoke to the teller inside my bank and she stated they dont call people if there is an issue with their account so I hung up with the representative. She looked at my account and told me that the day before 2 charges went through my account. I told her these werent approved by myself. She stated she would review my account and get back to me. Several days went by no response so I went back several times with no explanation as to what was happening. I filed a police report and police followed up with it and stated Regions said there was no such account number. I have been with Regions Bank since XXXX, my credit score is over XXXX, Im married, my house is paid off, Im retired and I dont have excessive amounts of card debt. The bank started to treat me like a criminal and eventually said they felt I was behind the charges and said I had to pay it all back. Im paying it back because I dont want my credit messed up and also because somehow this loan turned into HELOC and is attached to my home that is paid off. Please Im begging you to help me with this Im at my wits end with this and just want my name cleared. I think they turned me into XXXX for fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-05
Company: AMERICAN EXPRESS COMPANY
State: GA
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 contacted American Express explaining to them that the American Express card listed on my credit report belonged to my company, not me. They informed me that it had been listed as a write off and turned over to a collection agency. They said there was nothing they could do. My company has been making payments each month for the past 6-7 months to the collection agency. 
The card was issued to XXXX XXXX XXXX with my name under the company XXXX XXXX XXXX XXXX. 
They said because when the application was made, I had to list my personal information, name, social security number that I was responsible for the account. The statement came to the company address each month with the company name. I will attach copies of them to this. They have refused to take the report off of my personal credit report and charge it off to the company. My wife and I are attempting to purchase a house and this is killing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 XXXX XXXX XXXX XXXX inaccurately reported late payments from XX/XX/XXXX & XX/XX/XXXX. 
Neither payment was late and inaccurately reported XXXX claimed to have sided in my favor stating I was correct the payments were never late. Only reported XX/XX/XXXX & XX/XX/XXXX as late. NONE OF THE MONTHS WERE LATE!!! XXXX continues to FALSE REPORt inaccurate information for TWO years Ive been disputing this.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 2 . 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2021-05-17
Company: ResidentCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
We lived at XXXX XXXX XXXX apartments before they were purchased by XXXX. Upon purchase, they replaced most of the staff, including my wife who had worked there from XXXX to XXXX. We moved out and into the new property she was employed by. Upon moving, my vehicle was struck by their gate and damaged. The property manager XXXX said they would compensate me for the damage, but never did. A few months later, we noticed a collections on our credit reports for over {$2000.00}. We were not provided with any notification of the debt, nor any detailed list of charges. We contacted XXXXXXXX XXXX and they told us it was no longer with them. We tried to obtain an itemized list of the charges, because we did not agree that we owed them. We were not furnished any such list. We disputed the charges and they came back valid with the credit bureaus. We contacted the collection agency to try and resolve this issue, and they were very rude. They refused to remove this unjustified charge from our credit reports for anything less than full payment of moneys we do not believe is rightfully owed. We are now stuck with little to no options other than being fleeced by these XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX has violated my rights. '' Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. '' 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2018-06-24
Company: Erin Capital Management, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Erin Capital Managment attemted to collect on a 15 year old judgment that I have no knowlege of on XX/XX/XXXX, my son bank acount was over drawn, so when we called the bank we were told that his account was levied due to the joint holder received a levy to be place on account for dept, so Iam angry upset he upset because I had no knowledge of this judgment never heard of Erin Managment, never reived any mail from them and I have been living here for over 20 years and never got mail from them. I have updated credit reports look through old credit report and still coudnt find any information reagrding this Judgment, so I was given a phone number from the bank to contack the superior court officer. I called the officer he told me this was a judment from 2003, gave me the number to contact Erin Capital Mangment so I tried to the phone number was suspended so im getting morre angry because what kind of business phone is suspended.I called the officer back and informed him that the phone number is suspended he paused and said let me try so he did and got the same message I gotten, so told me to call the court house and speak with XXXX the court clerk, and gave me a Dc number. I hung up mad angry. Before I called the court house I tried to look up the judgment on line searched and searched nothing comes up. next I contacted the court house gave her the DC number she put in system she couldnt locate who the original credirtor was, she said its to old to find and told me the same information regarding Erin Capital Managment brought this old dept and gave me the phone number I called same thing suspended, like no information no court no nothing just pay the amount they say I owe from 2003. no way is this legal. I have contact my lawyer and will be sueing them as well.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: GA
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:
There are 3 accounts on my credit that I am unaware of and need removed please. A car lease with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, and a loan that is now a charge off from a place called 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 2019-06-25
Company: Neighborhood Housing Services of Toledo, Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My family was defrauded out of our first home. We were discriminated against in lending and foreclosed on leaving a debt of {$80000.00} on my credit report until XX/XX/XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) represented by XXXX XXXX, and XXXX XXXX were sellers of home, held a second mortgage and hired contractor, XXXX XXXX ; Neighborhood Housing the banking system/ first mortgage holder and represented by XXXX XXXX who was the property inspector ; XXXX XXXX XXXX XXXX XXXX XXXX-property inspectors,  signed off all inspections, appropriated state and government funds for housing project ; XXXX XXXX XXXX XXXX XXXX XXXX General Contractor all together were richly rewarded for their malicious efforts. They touted a Complete Rehabilitated home that was uninhabitable and after complaints and requests I paid for many repairs. XXXX XXXX sent various persons who did not do the work promised to complete and they did not honor the one year warranty given. We became displaced and my family of XXXX had to be separated. 
Approximately in XX/XX/XXXX I filed a complaint XXXX XXXX and XXXX XXXX ; XXXX XXXX ; XXXX followed where we had to not only fight for the home but also foreclosure proceedings. After approximately eight years of court proceedings, including the appeals court our Complete Rehabilitated home was considered AS IS.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-17
Company: Mr. Cooper Group Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Only one of the three credit reporting agency XXXX XXXX is wrongly reporting I have late mortgage payments in XXXX and to correct the issue I provided them 12 bank statement showing mortgage payment was paid every month on time through direct debt and after multiple online disputes and calls with supervisors I was informed the best way to fix it is to ask mortgage company to send them a letter to remove the account. Mortgage company did send them a letter back on XX/XX/XXXX asking to remove the account and I was shocked as I am in the process of buying a house to find out that the wrong information still on my account which is hurting me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Summit Financial Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Summit Finiancial is a NONE DEBT REPORTING AGENCY, as listed with the government. They are NOT suppose to be reporting on my credit report. Two of the credit bureau have removed them from my report for that reason. XXXX has refused to do so which is causing my score to be lowered. I HAVE SINCE PAID THIS DEBT OFF WITH THE XXXX XXXX COMPANY, XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX, ( XXXX ) XXXX, and Summit STILL will not remove the debt from XXXX. This Attorney even said Summit isn't suppose to report debt, and he can't remove it for me.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX : {$360.00} ; XXXX XXXX XXXX XXXX : {$280.00}.

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX 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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 14th 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 Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2021-05-16
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Called New Rez on XX/XX/2021 because we are now trying to refinance with another lender because they have drug out this process with them for over a year. I called them because XXXX Bank escrow loan officer said our property taxes have not been paid ( last two installments ), and we needed to find out why. New Rez said they had put a freeze on those monies because we in refinance with them??? I told XXXX XXXX we don't want to refinance with you and have told you so in emails and voicemails, because I can never talk to a live person!!! And that they needed to release those funds and they were responsible for any and all late fees because that is included in our monthly payments to them. I called them back after checking with XXXX XXXX on XX/XX/2021, and property taxes are still not paid. XXXX XXXX from New Rez said they will be paid by XX/XX/2021. I just checked our online statement and they are not paid. The county said if not paid by XX/XX/2021 our home will go into forebearance???? This is New Rez 's legal obligation to pay our property taxes on time, as we pay them in Good Faith to entrust them to pay our property taxes on time!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: AMERICAN EXPRESS COMPANY
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:
FRCA Violation credit card AMEX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX FRCA Violation names and address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX  XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 non-monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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