BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-03
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX 2017, XXXX XXXX XXXX withdrew funds out of my account without my permission. The account was set up for autopay, and my regular payments come out on the XXXX of every month. When I contacted XXXX XXXX XXXX around the XXXX of XXXX, they notified me that their is nothing they can do since the funds were taken out by a third party ( XXXX XXXX ). I asked XXXX XXXX XXXX what is the next course of action, and they told me that I would have to contact my bank and file a dispute. So I filed a dispute with my bank around the XXXX of XXXX as well. I currently bank with Regions Bank. Regions bank notified me that they will send me a form to sign and return to them. So a couple of days later, I went to the Regions branch and the bank representative printed out the paper and told me where to sign. I asked the bank representative was there anything else that I needed to do and she said no, all the information was completed. I decided to call the bank around the XXXX of XXXX and found out that the claim was denied. When I called the solutions team with Regions bank, they notified me that the claim was denied because some of the claim information ( that regions wrote on the form ) did n't get faxed correctly ( regions representative faxed by the way ), and that they are missing supporting documentation ( which the regions representative said was n't needed ). so now I am truly frustrated and had to go through the entire process again. So I resubmitted all the information with supporting documentation saying that the payment is n't suppose to be taken out until the XXXX. I waited 5 days and was told that the claim was still pending, but a decision should have been made since the solutions team only have 5 days. Then I called back after that and was informed by a male representative that the solutions team should of had a decision and that they are going to have to escalate it to management. So now I 'm assuming that they just do n't care about my business and that my claim is n't a priority. Then 2 days later after the male Regions representative submitted the information to the solutions management team, they denied the claim. After all of this and submitting my supporting documentation, I feel like Regions did not look out for my best interest and this issue created overdraft fees in my account which I had to pay.

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 2017-10-03
Company: BARCLAYS BANK DELAWARE
State: MO
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:
My ex husband was awarded my credit card debts in my divorce. Due to his negligence to pay the monthly fees, it has effected my credit report negatively and dropped my score significantly. He is the responsible individual for these, not me. He has not paid on these items since taking over the debts. I do not have the finances to cover these debts like he can do. I have tried to contact these companies and they have yet to remove me as the responsible party.

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 2022-04-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. And Pursuant to 15 USC 1681a, the transaction and the experiences between the consumer must not be included in the consumer 's 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 2021-06-12
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Trying to clean up my credit I paid a past bill to Americollect XX/XX/XXXX.After they got all my information they stated I had another bill of {$750.00}. I immediately call the original creditor which had no records of the so called bill/amount. I called Americollect back and I relate what I was told I then asked what date was the so called service I was told XX/XX/XXXX. I filed bankruptcy XX/XX/XXXX and all bills were discharged XX/XX/XXXX. I told them that. I was given the email address to send proof of the bk XXXX discharge and I did. On XX/XX/XXXX an alert from XXXX The XXXX Americollect put that {$750.00} on my credit. Hence I called them and spoke to the supposedly head XXXX who said that bill was after I filed bankruptcy and that bill wasnt on the list. I am quite sure that was apart of the bankruptcy, her lies and tricks didnt move me because I intend to fight it. She should be ashamed of herself. This is why I need this to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Please remove old bankruptcy from my credit report. 
Public Record Date Filed - XX/XX/2013 Type - Chapter XXXX   Bankruptcy Discharged Court - BK Reference - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
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: Old information reappears or never goes away

Complaint:
Please remove old bankruptcy from my credit report. 
Public Record Date Filed - XX/XX/2013 Type - Chapter XXXX Bankruptcy Discharged Court - BK Reference - 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 2017-10-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have had a credit card charge of {$120.00} on my credit report that is reported incorrectly. I have the court paperwork from XXXX XXXX, TX. courts proving this to be true. However, Experian is working with the credit card company to keep this on 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 2019-10-10
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2017, Ocwen Loan Servicing removed the so-called mortgage account from all three major credit reporting agencies and then responded to my CFPB complaint explaining why Ocwen agreed to delete the account from all three major credit reporting agencies. I attached Ocwens written response to CFPB but I am holding on to XXXX XXXX written response directly to me so it can be used in litigation when I file a new lawsuit against Ocwen and PHH for causing me further harm. Ocwen transferred the loan to PHH who is working in-cahoots with Ocwen. PHH and Ocwen are pretender lender loan servicer 's who are making errors intentionally reporting the so-called mortgage loan back on all three major credit reports intentionally reporting inaccurate information to slander my credit so the pretender lender loan servicer 's can cause me more extreme harm after we settled our dispute in litigation. I have made several attempts to get access to my mortgage statements on PHH website but was unable to. I made several attempts to speak to a live PHH representative but was unable to. PHH and Ocwen both once again attempting to pull another scheme on me. Ocwen and PHH are both intentionally selling my personal information to 3rd parties so they can harass me and rip off my home. I am paying my mortgage payments blind folded because I do not know what payments are due after Ocwen intentionally did not cash one of my mortgage payments during the time Ocwen transferred the shuffled up loan file to PHH. I recently disputed the PHH loan reporting on my credit two times but the PHH minions keep slandering my credit reporting inaccurate information to cause me harm. I have no option left other then to file a lawsuit against PHH.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: EQUIFAX, INC.
State: SC
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 disputing inaccuracies on my Report since XXXX of 2020. Equifax is reporting an account that has no creditor listed. Initially an account with the same account number XXXX XXXX was reporting but now that's gone and this account is showing. I don't know if this my account because there is no way for me to verify the information due to no creditor being listed on my credit report. I've sent multiple letters and they acknowledge my dispute in the comment section but they haven't provided me with who is reporting this information nor have they deleted it from my report. I'm trying to purchase a house and don't understand how I can take care of debt, if in fact it's mine, if there is no creditor listed. I don't know if this is XXXXXXXX XXXX since that was deleted from my credit report. I just need help at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a home mortgage loan ( Loan # XXXX ) with AmeriSave Mortgage through " XXXX XXXX '' for the property address " XXXX XXXX XXXX XXXX , VA XXXX ''. This is my sole loan and I am the only person in " Promissory Note '', and as of now I am liable for the loan amount of approximately $ 360K. Originally, I gave third party authorization just to collect information about my loan for my ex-spouse to refiannce, and revoked authorization end of last year itself for my ex-spouse. Recently, I found last month XX/XX/XXXX that " XXXX XXXX '' processed " Loan Assumption '' to my ex-spouse without my knowledge and agreement. This Loan assumption process is going to keep my name in the " Promissory Note '' and my name will not be removed completely and keep liability issues, which will directly impact my security clearance ( As I am a XXXX XXXX ) of my livelihood. Since, they have done this process without my knowledge, I have requested a letter over the phone and by email today to both XXXX XXXX  and XXXX XXXX, so that I can to produce this letter in the court for evidence. I talked to XXXX XXXX ( ph : ( XXXX  ) XXXX XXXX   ) about this matter since he was assisting my ex-spouse in this matter. He re-directed me to talk with his manager XXXX XXXX  ( ph : ( XXXX ) XXXX XXXX ). I tried to reach XXXX XXXX  several times over the phone, left voice message and emailed to both to request the letter to produce in the court. But, there was no response and reply. I made a complaint to XXXX in vain for proper response and compensation.

Recently, now XXXX XXXX   from AmeriSave ( Ph:XXXX ), reached out to me by email improperly to manipulate the " conflict '' and " integrity '' of the existing loan, for which I am the only one responsible and liable, in order to help my ex-spouse with the guidance of ex-spouse attorney to cause further big damage to my finance, credit history, job and major money loss. This mal-practice needs to be stopped immediately and I need fair compensation for their mal-practice and process. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received two letter in XX/XX/2021 from a third party debt collection agency. A third party company cant purchase my information under the law 15 USC 1692 ( b ) it is infringing my consumer rights and privacy. How did they get my information? I didnt give it to them its safe to assume they stole my identity because I never gave them permission to have it. Which is a violation 15 USC 1681 ( 3 ) In addition the letter did not disclose that this is an attempt to collect a debt which is a violation under 15 USC 1692e ( 11 ) I received mail from and unknown company with an account number and positive balance it didnt say it was an attempt to collect debt. I was under the impression that I was about to receive money, how do you pay on a positive balance?

Under 15 USC 1692d the letter was threatening to report me to the credit bureau for this alleged debt if I failed to fulfill the terms see attached my reputation is ruined under the FCRA 15 USC 1681 all you have to do it pull my credit and see how its been ruined In addition 15 USC 1692e misleading and false representation of the amount of the debt again how do pay on a positive balance.

I was not given validation of the debt which is required by law I am the consumer and under the law 15 USC 1692 G ( c ) I dont owe and debt this is alleged debt and I am not obligated to pay. I am the only one that can validate. No investigation was done and If It was no information was provided Under the law 15 USC 1681 AE you have to do interviews with family, associates and neighbors I have been injured multiple times all listed above this has cause me a great deal of stress ruined my reputation caused embarrassment I need this fraud to stop I need to be made whole again

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I provide debt relief services, and Global Client Solutions LLC " GCS '' ( a subsidiary of XXXX XXXX XXXX ) establishes for my clients a sub-account within a master custodial account maintained at a FDIC-insured bank. My client ( s ) authorized a fee payment to me which GCS stole and absconded with the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: EQUIFAX, 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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
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:
I checked my personal credit report, which I acquired from your Transunion on XX/XX/XXXX and I noticed several unauthorized inquiries had been made. I believe I was a victim of Transunion inquiry issue. Since I have contacted the Transunion and the companies who conducted these unauthorized inquires and asked them to remove these credit inquiries from my credit profile. I spoke with multiple Transunion costumer services specialists, and I was told there was nothing that could be done and their customer service would not help and take care of the negative inquiries reporting to my credit report.I request that you initiate an investigation into these unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On :XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX XXXX XXXX I via XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested 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 2020-04-24
Company: EQUIFAX, INC.
State: AZ
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:
So much time. So many errors and laws broken its not funny. Years trying to fight for whats right and i will not pay something thats not mine. All 3 credit reporting agency are not accurately reporting my data and my scores are not accurate. XXXX XXXX, XXXX, and Equifax. I have 3 credit cards in excellent standing and all 3 agencys are not reporting correctly. And also theres a fake collections out of nowhere pops on my reports but all 3 agencys report fake collections i called number and its a ruse trying to get personal data from me i disputed and there investigation is poor and unprofessional. Somehow this dept recovery solutions got some old paid closed account data and dept is not valid my score dropped 150 points. And theres 2 other collections that are fraud also google this phone number XXXX XXXX XXXX. Im so at wits end with this injustices thats going on with my credit data i have excellent record paying my bills and 3 credit cards 2 bank accounts 1 savings accounts XXXX  and XXXX and no collections. And yet these fake fraud accounts .made up dates. Made up amounts stay on my credit data all 3 reporting companys. How come my 3 credit cards and excellent payment history doesnt show on all 3 reports? Please help so not right years injust inaccurate and very unprofessional service from these credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Medical Data System l reported a collection account to my credit report without my written consent. Medical Data System used my personal information and damaged my privacy without my authorization. My identity was stolen and Medical Data System l has committed fraud, which is a federal violation.

It is against federal law to furnish any medical information. It is a HIPPA violation and any medical reporting should be excluded.

15 US CODE 1681a ( d ) ( 3 ) ( A )

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: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX  # XXXX is reporting an invalid late on my account. I paid this account in full and was never informed via anything that there was a residual balance of {$4.00}. This caused me to get a late on my account when I have never been late before and had paid this off entirely. I should not have this late, I was not informed of a remaining balance, I did not receive any notice that I was going to get a late. This late is invalid and needs to be removed.

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