BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-19
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 I paid an amount to settle a debt in full to REGIONS Bank, and the payment has cleared and was accepted by Regions Bank as complete settlement. A confirmation was recieved from Regions Bank confiriming via mail, email, and phone. I have reached out to Regions Bank regarding their inaccurate reporting to all credit reporting agencies that this debt still has a balance due which in fact is inaccurate and damaging information. Which is directly impacting my efforts to resolve this unfortunate situation that was a direct result of multiple untimely and unexpected immediate family deaths including my Mother, Aunt, and Grandmother within only a 3 month period. I have unsuccessfully reached out to this creditor asking that if this debt is settled to please extend their goodwill and remove this account in its entirty upon settlement from my credit reports. This has not been done nor is it reporting accurately. Attached are supporting documents I ask for CFPB 's assistance in this matter sincerely.

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 2022-12-12
Company: EQUIFAX, INC.
State: WI
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. 

Account name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not not furnish an 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: NV
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:
Please be advised that these following items are Unauthorized Inquiries and are showing on my credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 

I already reached out to the Credit Bureaus but no changes has been made and these inquiries are hurting my credit.

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 2021-09-25
Company: Experian Information Solutions Inc.
State: IA
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:
Hello my name is XXXX XXXX and XXXX filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently filed a complaint with Experian on XX/XX/2021 about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Experian permission to report anything on me? Im furious and need answers now!

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 2017-06-07
Company: Jemcap LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
There is a company called  XXXX   XXXX   XXXX   XXXX  ... a foreign  XXXX . They have come into our state buying defaulted mortgage debt without a license by the Department of Consumer Affairs and they are using the courts of this state to collect these debts without a license. They present themselves as " Lenders '' without a lender 's license ... they are in our state 's Supreme Court an d federal co urts filing illegal foreclosure actions because they buy these debts in default without a debt collection agency license ... they are in cahoots with another company called   XXXX   XXXX   or  Jem Cap ... .. the people of this state do not know or are not well informed of legal a nd / or lilegal debt collection practices and the laws of this state which protect us. A complaint has been filed with the Departme nt of Consumer Affairs and this company has not responded as of yet ... the DCA can not e nforce a response but your agency can ... if not maybe you can forward this complaint to the FTC ... they are running amok in our State against our citizens, under the radar.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I written numerous of letters stating for them to verify this debt as well the amount owned. Because I have or had medical insurance. And I shouldn't be receiving anything regarding my medical information being sold or discussed to outsiders this go against the HIPPA law. And I would like to remove from my credit report

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 2022-09-08
Company: Credit Karma, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Was told by Credit Karma that I was pre-approved for a 0 %, 18 month balance transfer credit card. I applied and was denied. Hard inquiry and rejection affected my credit score, so now I'm paying more for my re-finance. I would have never applied for the card if they didn't say pre-approved. This hard inquiry and denial dropped my score to a lower tier.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: ENOVA INTERNATIONAL, INC.
State: MO
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:
Cash net usa had a collector call me and state that they accessed all my bank statements and that XXXXXXXX XXXX gave them all my information with out me knowing, This is fraud and I want this rectified and removed. 

If anyone did access my bank statements without me knowing I will call my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
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: Their investigation did not fix an error on your report

Complaint:
Dear CFPB, I disputed 2 times from Experian Bureau to dispute incorrect information from my credit report but they failed to investigate and didn't delete inaccurate accounts from my credit report and showed that they completed the investigation and the accounts will be remaining in your credit report. In the disputed notice, I showed to Experian that Under Fair Credit Reporting Act ( 15 U.S.C. 1681i ) 611 ( 5 ) ( a ) ( i ) after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete those items of information from the file of the consumer, or modify those items of information, as appropriate, based on the results of the investigation.

But after reinvestigation, they didn't verify those accounts and showed that they completed their investigation and those accounts will be remained in your credit report and violated FCRA. So I want to report to CFPB that Experian Bureau did fraud by not deleting those accounts which showing in my credit report as unknown. I sent dispute letters to Experian to validate or verify those accounts by showing some documents with my signatures but they failed to verify and didn't delete those from my credit report and violated FTC or FCRA. 

Thank You, 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 2017-09-13
Company: EQUIFAX, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE SUBMITTED DISPUTES TO EQUIFAX AND XXXX ON LINE THAT THERE IS ERRORS REGARDING MY NAME AND ADDRESSES. THE INFORMATION HAVE NOT BEEN REMOVED FROM MY CREDIT FILES. 

WRONG NAME - XXXX XXXX CORRECT NAME - XXXX XXXX WRONG ADDRESS - XXXX XXXX XXXX, XXXX, TN XXXX WRONG ADDRESS - XXXX XXXX XXXX, XXXX XXXX, MS CORRECT MAILING ADDRESS - XXXX XXXX XXXX XXXX, XXXX XXXX, MS XXXX PHYSICAL ADDRESS - XXXX XXXX XXXX, XXXX XXXX, MS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXX XXXX XXXX. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX  XXXX  account XXXX XXXX, ( THIS ACCOUNT HAS BEEN PAID IN FULL ) XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX  account # XXXXXXXX XXXX account # XXXX ALL of the above accounts have violated my rights.

I sent the credit bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly and is accurate. These accounts can not possibly be verified because the inaccurate information is still on my credit report.

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

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

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.

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 2019-09-07
Company: FIRST MIDWEST BANCORP, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had accounts with First Midwest Bank for several years. First Midwest changed my accounts without notice and was charged a XXXX XXXX maintenance for an account being below {$100.00}. 

These accounts are labeled as free checking when I go to pay bills. 

This is how it is listed as of XX/XX/19 Show all payees sorted by name Pay from : FREE CHECKING When I Log in it show the account as follows FIRST MIDWEST EASY CHECKING, which you need have a balance of {$100.00} at all times to avoid a fee. 

I was concerned at asked about this on the First Midwest bank XXXX site. 
This is the response that I received : First Midwest Bank First Midwest Bank Good morning Mr . 

First Midwest is a very strong, healthy bank. As a business, we have to make decisions that allow us to continue to be competitive in a very competitive market. That may mean closing a branch, updating and adding to our product offerings, and even sometimes adjusting fees. 

Thank you for your message. 

I went in to the bank and closed out the account that was charged, so I would not get charged another fee. The banker closed the account and was bragging about other branches being open. 

I have two accounts still open with this bank. They are charging maintenance fees for accounts listed as free checking.

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 2023-03-10
Company: EQUIFAX, INC.
State: PA
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:
They said they couldn't remove the inquiry and that I had to call the credit reporting company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a promo offer whereby they offered {$600.00} to open a checking+savings account with direct deposit and at least {$15000.00} deposited up front and {$500.00} deposited within 60 days. They only paid XXXX. I had a phone conversation when I opened the account in ( XX/XX/XXXX ) to confirm everything was done correctly ( after I funded and set up direct deposits ), which they confirmed was done properly. Of course, now they are saying there was some technicality on the back-end with an opening date on one of the accounts not being exactly the same as the other ( I opened and funded both accounts on the same day ( XX/XX/XXXX ) ). I have spoken to 2 people after waiting on hold for over an hour each time, and both hung up after putting me on hold while getting manager. Dont do business with Citizen 's Bank! They will not honor the promotions, even if they confirm they will!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, 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:
The Credit Bureaus XXXX, Equifax, and XXXX have listed on my Credit Report, XXXX XXXX XXXX and Original Creditor 12 XXXX XXXX in the amount of {$3700.00}. The issue is this shows as opened XX/XX/XXXX and that the Account is OPEN and all of that is Categorically False!! I have been with XXXX since XX/XX/XXXX making this debt over XXXX XXXX XXXX which should of been removed. 

These creditors do this all the time change dates to justify their Collection activity when in fact they are aware that it is false. This type of business practice is unethical, unlawful, and they know it and still use it to their advantage! 

I have talked and filed complaints to the Credit Bureaus to no avail so I am left with no other recourses than to file this compliant with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

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 2018-05-22
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
on XX/XX/XXXX, i lost my husband. i waited and waited for retroactive spousal payments from Department of Veterans Affairs. 
I looked up my Ebenefits page under Department of Veterans Affairs, it showed that my payment was deposited into an fraudulent account at Wells Fargo Bank on XX/XX/XXXX.  the only account I have with WFB is my mortgage. i went into the XXXX, DE location and all I got was questions from CSR " are you sure this not your account '' 'could you have gave a wrong account number? '' Only thing was done, was that it was proven as an fraudulent account and the deposit was done with a check/trace mode on XX/XX/XXXX. this account could not be found anywhere. 

after almost 3 years and still the grief, XXXX, and XXXX is still fresh like as if it was in 2015. Have never received anymore from this bank. 

Department of Veterans affairs resubmitted me a payment. But clearly when I signed papers at the VA my Deposit was to go to XXXX. I would like to be compensated for this situation ... not out of the other class action suit this is more than what is going on with the class action suits. until i read about these class action suits, i wasn't even interested until I remembered what had happened to me and I consulted with a lawyer. who advised me to file this complaint.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate on XXXX report, the " last day active '' is inaccurate on Transunion and XXXX and even the " date of last payment '' is inaccurate on both bureaus. I have disputed this multiple times with Transunion and XXXX and everything has been coming back the same for every time I dispute. I was sent a letter from XXXX which is the account that I have been disputing. I attached to this case, so you will see in the different exhibits that I have tried to rectify this and they keep stating that they have did their extensive investigation. If that's so why is the letter from XXXX giving a different last date active, last date of payment and the open date of this account. This letter from XXXX is actual and factual source. Like I said, the bureaus did not do their due diligence. This is a ground for REMOVAL IMMEDIATELY. The consumer reporting agency have an obligation according to 15 usc 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I also have : 15 u.s.c 1681 section 602 A I have a right to privacy 15 u.s.c 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish account without my written instructions

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 2021-03-09
Company: EQUIFAX, INC.
State: MI
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:
writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have been put on XXXX and XXXX for fraud activity due to a closed account from Bank of America .. since then I have disputes this information with ews and fraud activity has since been removed by Bank of America .. Bank of America has yet to remove this same information from chexsystems and I was recently able to open an act with XXXX XXXX after calling and verifying that the information was updated an removed but a day later my act was closed because it was not fully removed pm paper ... please remove this ASAP

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