BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: Regional Management Corporation
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Please refer to complaint number XXXX. On XX/XX/23 I sent Regional finance another letter requesting proof of the alleged debt. I have not received any proof. I have received information from the corporation through the CFPB in which they provided a copy of a contract that proves I participated in a consumer credit transaction that somehow turned into a loan. The corporation stated that they can not provide me with any account history but yet the law says otherwise. Federal Law. The corporation continues to furnish my financial information without my permission and it still has not provided any proof that I gave them my permission to do so. Attached are several documents showing proof. Regional finance is in violation of the TILA, FDCPA, FCRA, and GLBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 fair credit reporting act XXXX  XXXX XXXX account # XXXX has violated my rights. 



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

15 U.S.C 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an 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 2018-02-15
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/XXXX from XXXX XXXX , XXXX about an unpaid debt of {$1800.00} I supposedly owed to XXXX XXXX in XXXX. I called XXXX and said this was not my debt. They said they would report it as fraud. On XX/XX/XXXX I received another letter on this matter from Jefferson Capital Systems, supposedly the current debt collection agency. I was told this debt went back to XX/XX/XXXX. I was directed to several alternate numbers in their company and no one could give me any further information on it. I did learn the address for the service was at XXXX XXXX XXXX, XXXX, MI. I told them I had never lived there and in fact have never even been to XXXX! I am a resident of XXXX  and have lived here continually since XX/XX/XXXX. Prior to that I was a resident of XXXX. I also tried to call XXXX directly but got no where. I am a member of XXXX and I contact them. They requested I call XXXX XXXX again to find out what information was used to open the account. The closed account department said their records did not go back to XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 of Fair Credit Report list of accounts violated my federal protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. XXXX XXXX account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX. 15 u.s.c 1681 section a states I have the right to privacy. 15 u.s.c 1681c. a,5 section states no consumer reporting agencies may make any consumer report containing any of the following items of information, Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.15 u.s.c section 604 a section 2 Consumer reporting agencies can not furnish a account without my written instructions.15 u.s.c 1681s-2a1 a person shall not furnish any information related to a consumer to any consumer agencies if the person knows 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 2020-10-20
Company: Source Receivables Management LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I started looking to refinance my mortgage about XX/XX/2020. I looked at my credit score on my XXXX XXXX XXXX XXXX and it was low and our  credit is excellent. So I got a credit report from XXXX XX/XX/2020 and they show someone else 's name, completely different on my credit report that is badly hurting my credit. I have never heard of this person ( " XXXX '' ) and I have never had a XXXX account. I filed a dispute with TransUnion and they refused to take it off. XXXX  already removed it for me. The amount is {$2400.00} that is in collection, from XXXX mobile. The collection company is their own, Source Receivables Mgmt. For over a week XXXX  told me to call the  collection company, who told me to call XXXX, who told me it was in collection, nothing they could do. I asked for a supervisor, they called me back, said they would investigate, today XX/XX/2020. Instead, they sent me an email with a form that has MY ADDRESS with this other person 's name on it and they want me to sign it. I refuse to sign anything with a criminal 's name on it, it was never my account. XXXX gave credit to someone using my SSN and never checked the name, they are 100 % at fault here. How can XXXX  put someone else 's name on my account?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: CO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 contacted the companies and the bureaus and asked for them to be removed and they have not been removed yet. 
Account opened XX/XX/XXXX in the amount of {$530.00} with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$1000.00} XX/XX/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 2018-12-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage established more than three years ago with automatic payment from my checking account. For the last month or so, the autopayment selection on the Chase website has been reset to " no '' without my knowledge or consent. When I try to reset it to " yes, '' I continually get the same error message on the website ( using two different computers, two different internet providers and three or four different browsers ). It is not a problem with my computer.

Chase customer service manually reset the autopayment once -- after I spent an hour on the phone with them. However, several days later it was reset to " no '' again. I am unable to change it back because of the website malfunction described above. 

I have a " cashback '' benefit from Chase for paying my mortgage from my Chase checking account automatically. I believe the bank is deliberately resetting my autopayment selection against my will and deliberately preventing me from resetting it in order to disqualify me from the mortgage cashback benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Wells Fargo at the XXXX XXXX in XXXX sc opened a bogus account. XXXX XXXX was the banker. When the credit card and statement arrived there was no balance associated with it. We called to complaint to the manager and he denied this practice this was late XX/XX/XXXX-XX/XX/XXXX they took advantage of a 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 2020-08-14
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 have been a victim of identity theft and have made countless reports over the years about this. I've sought out several credit agencies in hopes of clearing my credit of fraudulent activities which has fallen upon def ears. I am hoping by reporting this it will hopefully grant me the results I need to live my life and buildup my credit with dignity. I would like all fraudulent accounts removed so that I can buildup my credit and finally do what I need to do for myself.

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 2019-09-12
Company: EQUIFAX, INC.
State: NC
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:
I have no knowledge of the following inquiry XXXX XXXX. Please investigate to insure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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:
In accordance to the fair credit reporting act XXXX  account # XXXX, has violated my rights in Pursuant 15 USC 1681 section 602 A states i have the right to privacy. Also violated 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written or oral consent/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 explanation
Consumer complaint received 2021-06-21
Company: Common Wealth Mortgage Services
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We started our refinance process the middle of XXXX. We were told we would close by the middle of XXXX. Then we were told we would close by the end of XXXX. We were working with InterCAP lending. The agents assistant, XXXX, told us that our payoff was good through the first week of XXXX and we would be able to sign papers to close the end of XXXX. The end of XXXX rolled around and the papers had not gotten done yet. I had asked her more than once if we needed to make the loan payments and she told us not to worry about it because we would be signing the end of the month and the payoff statement date was good through the first week of XXXX. So after the first week of XXXX rolled around we made the house payment because we hadnt signed papers, but the damage was done. Because of this delay both of our credit reports are destroyed.So we now have a late car payment and a late house payment That we can not fix. We havent missed payments on anything in years until this. We shouldve never listen to the advice of this company. What they told us would take 3 to 4 weeks, ended up actually taking 8 to 9 and now we can not do it. They pulled our credit at least three times and that third time showed the late payment putting a stop to everything. So now they declined us the refinance.Those payments didnt have to be late but we were advised not to worry about them because we will be closing by the end of XXXX And it would just throw off the payoff statements anyway. They would not communicate and they gave bad advice that destroyed our credit. Because of the negligence of this company. My husbands and my credit are destroyed. And now we can not refinance anywhere because of the damage that has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: WELLS FARGO & COMPANY
State: NJ
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:
XXXX XXXX is reporting a hard inquiry on my credit reports I never applied for a loan with them

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 2021-06-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2020 I authorized XXXXXXXX XXXX, custodian of my Health Savings Account, to pull {$3000.00} from checking account at Wells Fargo Bank. On the XXXX two micro pulls were conducted successfully to ensure that correct routing and account numbers provided. These two micro pulls were immediately refunded back to my checking account The next day, XX/XX/2020 {$3000.00} was pulled from my checking account with ACH transaction # XXXX and applied to my HSA account. On XX/XX/2020 I received an Email from XXXX XXXX stating. 

" Please be advised that your deposit amount of {$3000.00} made to your Health Savings Account on XX/XX/2020 has been debited from your account. The funds were debited, as funding to cover this deposit was not received from the bank on which the check was drawn. '' I immediately called Wells Fargo. On XXXX they provided me with the ACH transaction number which I then provided to XXXX shortly thereafter. My bank statement for that time period clearly shows the {$3000.00} dollars being pulled from my checking account. 

For months I went back and forth with XXXX about where the $ $ ended up. Finally on XX/XX/2020 I received the following email from XXXX. 

" Our Finance Team has confirmed that the transaction in the amount of {$3000.00} was manually rejected due to NO external bank account at the time of the transaction. From the research, it was determined that the transaction belonged to you. '' From that point until now I have tried to get XXXX and Wells Fargo to work together to find the funds but both refuse to accept responsibility to find the money. I am finally giving up on them and submitting this complaint hoping that the CFPB can force the two banks to talk to each and find my {$3000.00}. 

I have enclosed copies of the various referent letters, a sanitized copy of my bank statement showing the {$3000.00} being pulled, and my log of all the phone calls etc that I have record of. ( I did lose one months log to my puppy voracious appetite ). If further information is needed I will do my best to provide it.

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 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 have contacted XXXX numerous times explaining that the account that they are listing for XXXX XXXX XXXX and the inquires for Dept of ED, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX are all fraud. I have not received any merchandise or applied for anything from any of these places. I was told to provide a FTC report which I have sent several time & they say they didn't get it. I have attached this information to this complaint as well. Please delete this information

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 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm a Single Father and i attempted to finance a home for me and my family and i could not because of my credit. That inspired me to check my credit and i saw a lot of fraudulent items I did not authorize.

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 2019-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
On XX/XX/2019, I went to XXXX XXXX XXXX ( Address : XXXX. XXXX   XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Phone : XXXX XXXX XXXX XXXX ) to fill up the car with gas ( XXXX XXXX ) that we rented before returning it to  XXXX. I gave my Bank of America XXXX XXXX XXXX XXXX to the attendant and he ran the card through his machine. He then told me it did not go through and he needed another card. I gave him a second Bank of America Mastercard to try. He ran the card through his machine and then told me it did not go through either. My fiance then gave the attendant his Bank of America credit card. The attendant said this charge went through. The attendant did not provide us with any receipts. 

When I looked at my credit card transactions on both cards, I saw that the charge from XXXX to my Bank of America XXXX credit card in the amount of {$100.00} and the charge from XXXX to my Bank of America Mastercard in the amount of {$84.00} both posted. The charge to my fiance 's credit card in the amount of {$60.00} also posted to his credit card. 

When I attempted to contact XXXX, I got a message saying the party was temporarily unavailable. I filed disputes on both transactions on XX/XX/19 through Bank of America and provided supporting documentation. 

On XX/XX/2019, I received a letter from Bank of America stating that they were unable to determine that a billing error occurred and they issued a credit to my account for the disputed charge. The letter also stated that Bank of America was considering the dispute resolved but the merchant would have the opportunity to present new information on why the charges were valid. 

On XX/XX/2019, I received another letter from Bank of America notifying me that they reviewed the details of my dispute on my XXXX XXXX XXXX XXXX and were unable to pursue the dispute further. My Bank of America XXXX XXXX XXXX was then charged the original disputed amount of {$100.00}. I called Bank of America to ask why my account was charged and was told that XXXX provided signed receipts for the transactions and because it was a chipped transaction, they had to consider it valid, and I was required to pay it. I did not sign any receipts when I was at XXXX because the attendant told me his machine was not working. I requested an appeal of Bank of America 's decision but was told because the signed receipts were provided by XXXX, there was nothing I could do, even though I did not sign anything and the receipts must have been forged.

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 2019-06-05
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I use PayPal as a method of payment with my XXXX Shop - I sell vape cartridges. I have plenty of positive feedback and nothing I do is illegal - I'm only selling a part to those that want to purchase it. I had ( 4 ) Returns that must've sparked something at XXXX ( customer trends perhaps ) - but PayPal has been illegally holding my money ( {$1900.00} since before XX/XX/XXXX ) - they have limited my account ( can not do anything - especially take the money ) - Reference ID : XXXX. 

I have tried to explain that I have NOT violated any terms of their user agreement ( which they reference ). 

I have done nothing to deserve " You Can't Use PayPal Anymore '' message. 

And Holding my money for 6 months??

Company response to consumer: Closed with explanation