BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-07
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Regions bank have created a record on our company that has made almost impossible to apply for a new bank account. We had been with Regions Bank for around 12 years and two years ago we decided to move elsewhere since they were manipulation our deposits so to create lots of fees for themselves. After we had the account closed they went ahead and file a complaint through some sort of XXXX XXXX XXXX saying that we owed them {$530.00}. We have asked them for the transaction and have had nothing but rudeness and bad faith attitude with us. We tried to go to the Federal Reserve of XXXX where this part of the banking system have sent a response letter to us with no signature no name or reference number and would never pick up their telephone calls. Region will tell you that they have already sent us the transaction while in fact its just a typed letter by telling how much we owe them. XXXX XXXX XXXX was the one who promised the official transcript to us and when I tried to call she was no longer with the bank.

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 2022-10-05
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXXXXXX 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 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 2019-04-29
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was informed that i had not made my XXXX Payment. I have made the payment, the Money has been taken out of my account and i have email confirmation stating i had made the payment. I Know my balance was then XXXX. I call in today and they tell me my loan is XXXX 

After i give them the information saying that i paid they hang up the phone or transfer me to the main menu. 
I Only owe XXXX. And i have proof that TD Bank has taken my money but they keep saying they do not have the {$200.00} Payment made on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been monitoring and trying to remedy the affects of ID theft and recent data breach by XXXX  and FEMA on my credit reports for the last couple of years, especially the last year. The three CRA continue  to allow inquiries to my reports without valid need and sell my personal information for profit after requesting not to because of identity theft. I have completed numerous online disputes, sent multiple detailed certified letters to each credit reporting agency along with sufficient proof as requested. The CRA refused to remove one entry after multiple disputes until I sent in a court order of dismissal, even then it still appeared for several months. This is just one example. The CRA do not give me the information as to my dispute  investigation, only refer you to the creditor to work out on your own, however this is the job they are paid to do. XXXX  and XXXX   refuse to properly investigate/reinvestigate or remove fraudulent, outdated and erroneous information, even information that has already been removed from other CRA. I have provided detailed information to each CRA, have submitted consumer statements that are not listed on my reports along with submitting the copies of their reports with the highlighted errors. Each CRA has been in direct violation of the FCRA on multiple issues. I have been under tremendous stress and anguish over this and have spent hours and a lot of money as well as being denied credit, insurance and have been given extremely high interest rates because of this. My next step within the next thirty days will be to remedy in the state or federal court as XXXX, XXXX  and TransUnion continue to parrot erroneous information by third party affiliates who pay them and fail to follow rules and laws or protect my private 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 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
This company is XXXX and I have disputed 7 times 1. XX/XX/XXXX # XXXX ; 2. XX/XX/XXXX # XXXX ; 3. XX/XX/XXXX # XXXX ; 4. XX/XX/XXXX # XXXX ; 5. XX/XX/XXXX # XXXX and 6. XXXX ; 7. XX/XX/XXXX # XXXX XXXX XXXX account and they still have not corrected the incorrect information. At one point they added a " repossession that never existed which dropped my credit score 60 points and lost my ability to get a mortgage. I have sent dispute letters and documentation to have them remove this account from my credit reports because it is negatively effecting my credit report. They have to either remove it from my credit report or DO NOT SHOW any late payments and paid as agreed. This account has been closed and was never repossessed. The first late payment was on XX/XX/XXXX and is over 7 years old. Per law The original delinquency is the one that starts the clock. That means the entire sequence should disappear seven years from the first date the payment was late. Which is XX/XX/XXXX. This is over 7 years and I have ask over 7 disputes to please remove and stop reporting all late payments. It should reports paid as agreed no late payments.

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 2019-04-29
Company: ZIONS BANCORPORATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Hello, I have my land mortgage in Texas with XXXX XXXX   XXXX company. 
This is a variable rate mortgage, so the interest rate changes from time to time. 
This situation has now happened for a second time, where by I have send the payment for the amount before interest rate change on time to the bank. What the bank does is cash my check, then return and issue a new check from the bank back to me and send it a letter saying that the amount send was not exactly as the new payment. I also then receive another letter saying that I was delinquent on my last payment and have been charged a late fee plus interest rate. 
I find this outrageous that a bank can actually do this? 

Please look into this issue and see what can be done to remedy the issue? 

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 explanation
Consumer complaint received 2020-05-04
Company: Navient Solutions, LLC.
State: CO
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 took out loans from XXXX XXXX XXXX XXXX XXXX and Direct Student Loans which total a little over {$13000.00} ( XXXX XXXX ) Dollars. This loan has since ended up with Navient. I contacted XXXX XXXX and was told that they submitted a much smaller number to Navient nowhere near the huge amount they are saying I owe. For years although I have made payments, my balance has increased to a now balance of over {$160000.00} ( XXXX XXXX XXXX XXXX Dollars. I have disputed this with the bureaus but they keep coming back saying I owe this amount. My report lists a disbursement date and an incorrect principal amount. While going through the dispute process, the people at Navient have not been able to explain why the amount is inflated, but it appears that a huge interest amount was added to my account of over {$43000.00} ( XXXX XXXX XXXX ). after beginning my dispute process. XXXX  explained that they use the E-Oscar electronic system to verify my information. I explained to Navient that I was a victim of Identity theft back in 1999 and had to go about correcting my credit report because of fraudulent activity, It did not occur to me to file a Police Report. At the time I lived in XXXX and had relocated to XXXX, I left items in my former residence that contained by social security number and neighbors that had moved in from XXXX XXXX XXXX stole my information. So if there are any loans taken out from 1999 and beyond they do not belong to me. This has been extremely stressful to me, I have tried for years to resolve this but have been unsuccessful, all the while being unable to purchase a home, unable to obtain housing at certain times, denied loans personal or business and experiencing a low credit score because of my debt to income ratio. It hasn't mattered how much money I earn or the fact that I have nothing in collections or the fact that I have had an exceptional payment history for quite some time. Please look into this matter for me, I was told by XXXX  that they get their information from creditors and they have to report whatever the creditors submit, so even if I disagree with what the creditor submits or if it is incorrect, me sending documentation to them is useless if the creditors refuse to correct it. this is very unfair to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: EQUIFAX, INC.
State: NM
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: Was not notified of investigation status or results

Complaint:
I keep receiving that they were working on my disputes and did not change anything XXXX was the confirmation number I received and the said that they had resolved it and did nothing I cant even view it I get its an error of it is currently unavailable what type of XXXX is this then when I finally got in today I got that I had no disputes I believe they discarded my info. And did not even work on my disputes. I had sent them proof and nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted XXXX XXXX XXXX numerous times about this issue. I Filed Chapter XXXX And it was converted to a Chapter XXXX. On my Credit Reports, XXXX XXXX XXXX refuses to show the account as included in Bankruptcy. This is damaging my score as they are in clear Violation of the FCRA and the Bankruptcy Code. I received my Chapter XXXX discharge on XX/XX/2020. This is ridiculous that I can not move past this mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've been trying for over a week to contact someone, a live person at Experian. They make it impossible when you call to contact a human being. I am having an issue unfreezing my credit report using their online and automated phone systems and they've made it impossible to speak to a live person at their offices. XXXX and XXXX were able to lift my freeze with no problem. I've been having this issue for a week. They asked I send incredibly sensitive material to them in THE MAIL in order to unfreeze my credit. They want a current utility bill, a copy of my drivers license and my social security card. That seems incredibly risky to send via mail. I sent the items via priority mail overnight but I need to see if they've unfrozen my report yet. I am trying to take advantage of low interest rates and refi my home and can not do so until all three bureau 's are unfrozen. I actually even called a number they have listed for their XXXX, Tx location and used the directory to try to contact a person. I got in touch with XXXX XXXX who answered the phone. He was rude and told me he couldn't help me, so I asked to speak to his manager, and he said " well he's not going to be able to help you either ''. I stated that was fine, but I'd like to speak to his manager anyway, and then XXXX hung up on me. After calling multiple times over the course of a literal week and finally getting in touch with someone to be hung up on is absurd. They are holding my credit hostage and they have absolutely no customer service to speak of this should be illegal. This impacts me, they need to have a customer service line. 
They need to contact me. My credit is still frozen 4 days after they received my items to unfreeze it, they haven't contacted me. I need to speak to someone.

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 2017-11-27
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC Bank of New Jersey arbitrarily stopped including copies of our cancelled checks in our monthly checking account statement. We have been customers with PNC for over 25 years. The PNC Senior Choice Account Agreement we signed up for stated we would get copies of our cancelled checks. We first notified them of this error in XX/XX/XXXX, the PNC customer service representative said we would get copies in the XX/XX/XXXX statement, NO copies of cancelled checks from PNC in the XX/XX/XXXX statement. Called again in XX/XX/XXXX and the PNC customer service representative promised we would definitely get copies of our checks in the XX/XX/XXXX statement, NO copies in the XX/XX/XXXX statement. Called again in XX/XX/XXXX and the PNC customer service representative again promised check copies in the XX/XX/XXXX statement. In XX/XX/XXXX our statement had copies of the checks. In the XX/XX/XXXX statement, NO copies of cancelled checks. My husband visited PNC in XX/XX/XXXX and spoke to a bank representative at a PNC branch located in XXXX, NJ to again explain the issue. PNC 's customer representative said we are in PNC 's Senior Choice Plan and we are entitled to copies of our cancelled checks. He promised we would receive copies in the XX/XX/XXXX statement, NO check copies were received in the XX/XX/XXXX monthly statement. 

As seniors, we feel PNC is taking advantage of us, but more importantly PNC is breaking the terms of their agreement. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Professional Placement Services, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Professional placement services contacted me at my job. I am just getting back to work from XXXX XXXX XXXX. this is stressing me out I have a home phone

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I filled out all of my information, then it said our system is down call a number. I call and the guy wants all of my information and he is out of the country. Then, I did again the free credit report and filled out all of my information and it wouldn't work there either. So, no credit report at all. XXXX XXXX XXXX again not working. My information is perfect and I won't be giving it to some guy in another country over the phone. This is ridiculous.

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 2020-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Transferred money from my savings account at Bank of America to an account at an unknown bank for rent deposit and payment. Online rental property information was a scam. Submitted a claim to Bank of America on XX/XX/2020 and have not been able to obtain any information about claim investigation other than denial letter. 
I have spoken with 2 fraud claims managers at Bank of America but have received none of the information requested and no return phone calls or communications.

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 2018-03-20
Company: SYNCHRONY FINANCIAL
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I notified by written letter from XXXX XXXX, ( Senior Specialist ) of XXXX XXXX that the Lowes account was not mine and that they was the ones that add me as an authorize user, and that I will be refund {$1800.00} for payments made after the XXXX of the card holder and after many fail attempts phone calls I contacted ( XXXX XXXX on XX/XX/XXXX at XXXX XXXX. ) now am being told I have to show proof of payments. When stated in the letter on XX/XX/XXXX that {$1800.00} was made after his XXXX. In which I fax all these proof of documents over to CFPB on 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 explanation
Consumer complaint received 2021-09-13
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 15 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus to no avail they will not help me I have tried reaching out to the furnishers with the contact information on my credit report and they are not getting back to me I need help to remove these from my credit report since they do not belong to me in any way!!! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CARD Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account

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 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$48000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- STUDENT ACCOUNT 2. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account.

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