BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-17
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Regions bank took a duplicate payment from my checking account to apply to a credit card, which resulted in an overdraft and removed my access to cash that I needed from the overdrafted account. 

On XX/XX/2019, I attempted to make a payment on my Regions Bank credit card in the amount of {$550.00}, which was the current balance of the card. On XX/XX/2019 I noticed that the payment had not been taken from my checking account and applied to the credit card. On that day, I sent a secured message through Regions ' website asking about this. The response I received did not actually address my question, so I sent an additional message restating the question later that same day. 

Regions responded my message, informing me that that there was an error with the payment and that I would need to make the payment through an alternative method. Specifically, they stated : " XXXX XXXX Banking is experiencing a known issue involving credit card payments made online from external accounts. At this time there is not an estimated time of resolution. '' and " In the mean time you may mail payments to the address below, visit your local branch, or call us at XXXX. You can make payments through our automated system from your Regions deposit account, or speak to an agent to make your payment by phone. '' Instead of attempting to make another payment that day, I decided to wait and try to make payment again online, as I have always done, a few days later. That payment attempt was successful. 

Today, XX/XX/2019, I checked my checking account and found that it was overdrafted and that Regions had taken not only the second attempted payment, but also the first attempted payment, which they had specifically told me I would need to pay in a different way and that there was an error with that payment. I relied on Regions ' statements that the first attempted payment resulted in an error and that I was required to use a different method to make a payment.

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 2021-03-09
Company: EQUIFAX, 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:
On the XX/XX/2016 a fraudster took out a vehicle with XXXX XXXX XXXX using my credit information. I have contacted the three bureaus ( Equifax, XXXX XXXX XXXX ) but Equifax and XXXX add it back on. I have filed a complaint with the Federal Trade Commission and also filed a Identity Theft Affidavit in which I certified to make sure they have received all proper documentation. XXXX has removed but Equifax and XXXX have not permanently removed this fraudulent account from my credit. Clearly I need additional help to let them know they need to do a better investigation. They are not complying properly under the Fair Credit Reporting Act. Identity Theft has affected my credit tremendously and since then have been turned down by both lenders and creditors because of this fraudulent account. This is not OK! I have requested additional information multiple times and I haven't received anything. I also made sure that I sent everything via certified mail. I want this fraudulent account that falsely shows that I owe XXXX XXXX XXXX {$8300.00} removed immediately before I am forced to seek further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving this letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw a ton of accounts that I never open and three bankruptcy under my name. These accounts and bankruptcy 's are not mine. Please remove all these fraudulent accounts from my credit report. 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 2018-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 notified XXXX XXXX XXXX over 7 months ago via phone, and via email as they requested that they were reporting my information incorrectly. They notified the credit bureaus that I owed them a large amount of money that was past due, which they reported nearly {$10000.00} in arrears owed on the loan. They assured me they would correct this along with reporting to being late over 3 months. I have notified them on several occasions and even disputed the findings brought out in this complaint with all three credit bureaus. They send me a letter stating that they had changed this in all three credit bureaus, however, all three credit bureaus are reporting the same thing. Therefore, I know they did not change the information, but they lied to me and sent me a letter stating that they have taken care of it. I have called them to correct this problem over 7 months and sent them correspondence requesting the change and investigation and they have not corrected the problem, instead they sold the message when I told them I was going to notify your agency. However, they are also reporting the loan open to XXXX Credit Bureau, so it make it look like I have more debt than I actually have, because XXXX is reporting the mortgage to XXXX and the new company XXXX XXXX are both reflecting on my credit report as open accounts, which is making my debt-to-income ratio higher than normal. I have tried to work with this company over 7 months. They have destroyed my chance to get a really good mortgage with a company who denied me based on these findings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
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:
I downloaded XXXX  XXXX yesterday for the first time and I noticed had several accounts that didn't belong to me. So I decided to pull my report and notice two accounts that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: CCB Credit Serivces, Inc
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I started a lease for a XXXX XXXX on XX/XX/XXXX in a dealership called XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX NJ XXXX. That same day I started the lease with XXXX, I left my XXXX XXXX at the dealership. XXXX XXXX was my salesman, he called XXXX XXXX XXXX to find out the amount I owed for the remainder of the Lease for the XXXX XXXX. The amount was {$3200.00} which shows on the contract. A check was to be sent to us for that amount so we would pay XXXX XXXX XXXX since that amount was being included in the new lease loan with XXXX. We received the check on XX/XX/XXXX, I sent the payment to XXXX XXXX XXXX on XX/XX/XXXX through ACH. When it was time to pick up the plates for the XXXX we got a call from XXXX and he was no longer working at XXXX XXXX XXXX because the location was closed down, he was at XXXX XXXX XXXX, XXXX NJ where I picked up my plates. A few months down the line we received a call from XXXX asking us where was the XXXX XXXX because they did n't have the car. We left the car at XXXX XXXX XXXX and because it was closed down nobody from XXXX knew where all the cars from that dealership where located. Even though I did n't have the car and I did n't know why I was being asked about the car I was nice enough to give all the info of people I dealt with for the new lease, I sent over by fax my contract and paperwork stating that I paid the remaining of the lease. The car was left there. XXXX said they would investigate. A few other months down the line we go a call again and once again I explained everything and sent all the paper work via email. We even had a guy looking around my house to try and find the car, he spoke to my wife and left a notice when I called the guy he said he was looking for the XXXX XXXX. I was very upset, because I never had to go through this, people coming to my house thinking I stole a vehicle when we did a swap ending one lease to start another. This is not the first time I do this and I never had a problem. All I know after 2 years I get a letter from a debtor trying to collect {$12000.00} for a car I do not have. For a car that is sitting somewhere God knows where. A car that by now if XXXX had reported to the police as stolen, the cops would of found it sitting at a lot somewhere. Because most likely the car is in a lot where they keep cars from dealerships. That is the only reasonable explanation for the car not be found yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: WELLS FARGO & COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
just start to notice this started cant really say when it started when my mother and brother pass when we recieve they life insurance money my gmail account information was tamper with which the email account was XXXX I am and over the round truck driver I also notice round the same time my card information and bank card was used which made me check my account and i notice someone had access my phone information cant just give dates because someone has been getting money and using my cards since 2017 the reason i never notice is they was taking it peace by peace and access to my phone information i cant access my phone information had to change number because someone tryed to access my 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 2020-02-07
Company: Telsa Motors 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 status incorrect

Complaint:
In XX/XX/2015 we had solar panels installed on our home via Solar City, who is now Tesla. Initially, we planned to purchase the equipment and signed a loan agreement with them. Prior to installation of the equipment we decided we only wanted to purchase the power from Solar City. We the signed a cancellation for the loan, then signed a My Power Agreement ( to purchase power only from Solar City for a period of 20 years ). Since that time, with both Solar City and now with Tesla, we have had continual issues with our account. It would seem that some of Tesla 's records indicate that we are under a loan contract with them, other records indicate that we only pay monthly power usage ( which is current ). We have never been able to resolve this issue. Now, Tesla has reported the outstanding loan to XXXX which has negatively impacted our credit. This is a huge issue for us as we are a small business that relies on a fluctuating line of credit. We need to get this resolved as quickly as possible. I have spoken with Tesla, numerous times, as recently as yesterday afternoon and was told by XXXX with the accounting department that they have every right to report us and that she would send an email on my behalf to their credit department who would make the decision on whether to help me or not. She simply does not understand, nor does anyone else seem to at Tesla. This is an urgent situation for our business. I have all copies of all supporting documentation available. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I purchased a vehicle in XX/XX/XXXXit was refinanced in XX/XX/XXXX because my paydays changed so they put it on my credit report. Then itXX/XX/XXXX my car was repossessed for late payments so they added that to my credit report as well. I made all of the late payments  and my car was back in my possession. I paid the entire loan off in XX/XX/XXXX and received the title. A year later asked could they remove those two items of my credit report and they refuse to do so. Saying my car was repossessed but i have have the car and title til this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Experian Information Solutions Inc.
State: UT
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 refuses to fix reporting on XXXX auto leases {$14000.00} & {$13000.00}. They sent an email XX/XX/XXXX stating that they verified the accounts and the name of who they verified it with at the Dealership. ( the person they listed has not worked there for over 5 years! ) this was verified to me by the dealership on XX/XX/XXXX, as well as they also verified that Experian has yet to contact them about said dispute... These are BLATENT VIOLATIONS of the Fair Credit Reporting Act and I want if fixed or deleted immediately. The lease was current every month and then they ( Experian ) stopped reporting in XXXX of XXXX and listed it as a XXXX for no apparent reason??!! XXXX kept reporting as current. When I contacted Dealership back in XXXX, they said to dispute and then they would let Experian know they are not reporting correctly. Experian is required by federal law to verify THROUGH PHYSICAL VERIFICATION of the original signed consumer contract, any and all accounts they post on a credit report as well as have " said original signed consumer contract on file ''. Failure to positively verify these accounts has hurt my ability to obtain credit. Experian DID NOT VERIFY and FALSLEY CLAIMED THEY DID WITH AN EMPLOYEE THAT HASN'T WORKED THERE IN YEARS AND MUST REMOVE FROM OMY 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 2018-01-19
Company: Stewart, Zlimen & Jungers, Attorneys, Ltd.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Prior to my first complaint about Stewart, Zlimen & Jungers I had received what they had portrayed as XXXX County Court documents stating I HAD and was COMPELLED to pay a debt to them I had no knowledge of.  I reported them to the cfpb for that and wrote them notice to cease and desist all contact. They responded with the one response they a are allowed with the Fair Debt Collection act to inform me will being legal action against me. Having had the hearing noticed sent to an address I no longer resided at they received a default judgment with out my knowledge.  They then began to attempt to garnish my XXXX income and sent me a letter and had the court order I verify my income.  After a second collection letter for payment from my XXXX, being exempt income, I informed them once again to cease and desist a second time.  I received a letter this week demanding payment from a tax returns and offering a pay off plan that exceeds the amount awarded by the court despite my two prior cease and desist letters and that XXXX is exempt income. I am now issuing a third cease and desist even though they refused to comply with the prior two and continued to and threatened to collect on XXXX income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Experian Information Solutions Inc.
State: KS
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 is listing I owe XXXX when they have been paid, and the XXXX and XXXX accounts are preventing me from obtaining a car loan.

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 2018-01-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent letters to XXXX XXXX XXXX XXXX requesting that they validate NOT verify 3 debts that they are attempting to collect from me. I submitted these request on XX/XX/XXXX for one account. The other 2 accounts request was submitted on XX/XX/XXXX. They provided me with billing statements which does not prove that I am obligated to pay them anything. They can not provide a signed agreement between Portfolio Recovery and myself. The FDCPA 15 U.S.C. 1692C ( a ) states " Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. '' I have never given above named company any type of permission to contact me, even though they have done so numerous amounts of times. I have no personal relationship with Portfolio Recovery Associates and am unaware of how they obtained my personal identifying information with my knowledge and / or consent. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attempted to retrieve information from IMC credit and XXXX  Since XX/XX/2019. I have not received the documentation but regularly contact them. I have had another account go to collection and have not seen an invoice. This was previously agreed to be removed from another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Performant Financial Corporation
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX is attempting to collect an old tax debt, from the state of Louisiana. I had prior arrangements with the State of Louisiana, as I no longer live there. But, the state of louisiana sent the tax bill to a third party debt collection agency AKA performant recovery. Performant in return sent a letter threatening to LEVY my bank account. Only State and Federal tax people can do this, not a third party debt collection agency. They are attempting to bypass the law, and levy our account. I am on XXXX, therefore they can not levy this account. We are also on a low income, my hubby does n't make that much money and it would cause undue hardship. By law, they have to go to court first, then obtain a judgment. I had to go through this with Ohio state. 

I am disputing this debt, as it originally was only around {$1500.00} now it 's escalated to around {$4000.00} performant is not allowed to charge excessive amounts PER the law. I have filed complaints with the BBB, and the Ohio AG, as they are impersonating Government Tax officials. I have filed with BBB and ohio AG, and the FTC, this company refuses to respond. They can not levy my bank acount with out going through the court of law first.

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 2018-01-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I went to XXXX XXXX store on XX/XX/XXXX to buy some items for my wife and I and was asked if I wanted to open a card so we did. I gave all my info to the sales person and went on my way. The charge was {$48.00}. I never got a bill from this company and then out of the blue my credit went down when I called the company to inquiry I was told that they did not have my Unit number on the account billing address.

That is not my fault the sales person did not included this when I called to complain I was told that they would not remove the lates from XX/XX/XXXX and XX/XX/XXXX. As you did not get any mail returned. This is crazy. It was there fault. 

I have called the customer service center for the last 3 months asking if they could remove a 30 day late charge from XX/XX/XXXX and XX/XX/XXXX. The keep saying no. I called to complain as I have never been a late on any accounts in my life, I was treated with disrespect form a very confrontational customer service rep for your company. You can check the records on that one, I know the conversation was recorded.

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