BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-04
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hi my name is XXXX XXXX, my husband XXXX and I shared an account we opened in XXXX XXXX. We reside in XXXX XXXX, my mother in law lives in XXXX XXXX. Recently I went to the XXXX branchin XXXX XXXX and made XXXX deposits in the drive thr ough. The teller, XXXX was extremely rude, making a wrong deposit for the in correct amount. She made me wait and I was the first customer. I was trying to help and advise her that she made an improper deposit. Also I was trying to takes care of another business related issue on my phone. Another lady came on the speaker yelling at mesaying, _your on your phone you need to get off '' the call was very important. I then advised her that it was business and that I will report the rude behaviour. The other lady screams ha you think you 're a banker. '' I drove off and continued my call and pulled across the street in the parking lot to write down information. I then called customer service and spoke with someone regarding the tellers. Then a police officer pulls behind me questioning me he then witnessed I was on the line with Regions and told me have a great day. He also said the tellers alleged they were scared. I feel stereotype d marked because of my race, also that was unethical, those tellers knew what and how they treated me was wrong, if you did n't do anything wrong to anyone then there 's nothing to be afraid of. I left a message for the branch manager XXXX XXXX. She never returned my call. I called XXXX and spoke with someone, the lady made contact, then XXXX called me yelling in my ear never affording me the opportunity to speak, hanging up in my face then she forced my account to be closed out of retaliation. She bragged about the people she knew and how she been banking a long time. This woman was rude and I am respectful ly request ing that someone address the matter and respond to me, if not I will call me back, and I would like the decision overturned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was out of the country for 2 years, before i left the country i paid all my debit and i had enough money in my checking account just in case i forgot to pay some financial obligations, when i came back to the US i found out that TD credit card company is asking me to pay {$400.00} i asked then to show me the details about the charges but they fail to do so, then i found out that they transferred the debit to a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: CA
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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2021-11-03
Company: South Mississippi Collection Services Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, usps certified mail # XXXX XXXX XXXX XXXX XXXX ; XXXX # XXXX XXXX XXXX XXXX XXXX, i sent south mississippi collection services letters about the alleged debts of ; XXXX ; XXXX ; and XXXX that I don't owe.I haven't heard from them concerning this matter for over 90 days, my first response was XX/XX/2021, which is a violation also.the law states in 15bUSC 1692E ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. i DO NOT OWE this alleged debt and it needs to be deleted from my credit report before I get a credit counsel

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Sometime in XXXX XXXX my Bank of America debit card was compromised and used to make a fraudulent transaction. I contacted BofA right away and they closed and blocked the debit card and issued a new card no problem there. Problem had have several accounts tired to that debit card that are billed each month automatically. One of those accounts being with the company XXXX XXXX. I no longer wanted that account so when I was notifying companies and up dating my new debit card information I intentionally DID NOT update the debit card information with XXXX XXXX so they could not charge my account. XXXX XXXX tried to  charge my monthly fee to the old BofA debit they had on file on XX/XX/XXXX and again on XX/XX/XXXX with no luck. Then on XX/XX/XXXXthey were able to make the charge to my new debit card some how. I contacted BofA and they stopped the transaction and reversed the charge. On XX/XX/XXXX I talked with a representative of BofA and explained to them what happened and asked how could that happen. I was informed that after making several attempts to charge my account with no luck all XXXX XXXX has to do is contact BofA and proof to them that they had been charging old debit card account in the past and were unable to now that BofA would give XXXX XXXX the new debit card information. What I want to know is is this legal and right for BofA to give out this information. I know you ca n't give legal advise but can you at least give me an answer to this. If I had wanted XXXX XXXX to have that information I would have given it to them 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 monetary relief
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: IN
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 requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
This is a formal complaint that XXXX XXXX XXXX XXXX is reporting inaccurate and incomplete credit information. 


I would like to state that XXXX XXXX XXXX XXXX is in violation of 15 USC 1666 b which states that a creditor can not report late payment to any consumer reporting agency. XXXX XXXX XXXX XXXX has been paid in full, I am demanding that XXXX & XXXX update TransUnion and advise them to report on time for the months of XXXX XXXX XXXX XXXX 


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 non-monetary relief
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX and the address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are both a result of Identity Theft. XXXX had a data breach, and someone with access to my personal information is using it to make transactions that are damaging my credit. I have no idea what or who this may be. I have attached proof of a data breachfromXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting Agency Act XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A States that 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 consent

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.

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 2020-03-20
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:
I just pulled my annual credit report and saw two accounts on my credit file that do not belong to me and i'm not sure where they came from at this time.

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 need this late payment removed from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I 'm having issue with ocwen loan servicing, my name is XXXX XXXX loan number is. XXXX. 
For some reason payment did n't go through for the month of XX/XX/2017 even thought payments are Being automatically deduct from my account every month, now I 'm trying to find out why This happened and I ca n't even access my account anymore, and it tells me to call XXXX XXXX, which I keep calling and leaving messages because person not answering and at this point every day that goes by I will be one more day behind on payment. 
Keep calling customer services as well and they say they can not do anything till I speak with this person XXXX XXXX.his phone number is 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 2023-05-16
Company: Consumer Adjustment Company Incorporated
State: OH
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:
{$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called the company to figure out what this loan was and its fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a XXXX card. I already had a balance on the card in XXXX of {$80.00}. I bought a sofa for {$1100.00} that had a 12 months no interest. The billing for that purchase did not start until XXXX, but I had made a payment in XXXX for {$85.00}. I had called and on XX/XX/XXXX for that payment to be applied to the promotional amount not regular purchase amount. They said they would take care of that for me. I made another payment in XXXX and XXXX and asked for those to be applied to the promotional balance. They said they would gladly take car if that. I got my XXXX statement and it showed that I have a XXXX balance on my regular purchase balance and called and asked why they did not do what I had asked them to do and they said that the regular balance was paid off in XXXX and my requests werent able to be processed. Since my purchase was made on XX/XX/XXXX they couldnt bill me for it until XXXX so the promotional couldnt be paid for until it was billed so thats why they couldnt accommodate me. That means I also only have 11 months to pay off the promotional deal instead of 12 because it is considered from the time of purchase. I asked them then why wasnt my payment in XXXX put towards my promotional balance they said it wasnt billed until then and they are unable to change the payments now. So now in order to have the promotional paid off by XX/XX/XXXX I have to add an additional {$30.00} a month because I only have 11 months total to pay it off to begin with and one month was put towards my regular balance instead of where I asked it to be put.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
I was traveling on vacation with my family. Our car got broken into in XXXX XXXX across the XXXXXXXX XXXX and my wallet was stolen. This occured on XX/XX/2023. My credit  cards were all swiped at XXXX XXXX XXXX CA  ) and I got messages on my phone at XXXX XXXX. I immediately called Bank of America ( my credit card company ) immediately and disputed a {$370.00} charge at XXXX, and filed a fraud claim with them in addition to reporting my card stolen. The thieves tried to swipe the same card for XXXX $ which was declined. 
I subsequently filed a police report with the XXXX XXXX reporting all my stolen items including my laptop and passport. 

BoFA  got back to me and told me that they were investigating my claim. They initially credited the XXXX $ back to my account, but after 10  days, they've closed the investigation and taken it out of my account again. 

Their resolution letter reads, " We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' I am attaching the police report and Resolution LetteXXXX from BoFA to my complaint letter. I am also attaching photographs of our car with the window smashed ( with time-stamps ).

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 2020-11-26
Company: EQUIFAX, INC.
State: WI
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: Investigation took more than 30 days

Complaint:
Hello I reviewed a current copy of my credit report and I placed disputes to have inaccurate or fraudulent information reviewed. I have not heard back with any results and it has been more than 30 days per the FCRA. I am currently now being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Since XXXX I was and still customer of Wells Fargo and from the year of XXXX to XXXX up to currently I was and still charged with incorrectly over draft fees with each time the amount of {$35.00} even though I was canceled this fees to be charged I went to Wells Fargo branch and I was making payment for XXXX XXXX for my car auto loan which is every month is {$370.00} and it was charged high interest fees because of delays from Wells Fargo.

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 2021-07-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I tried to by property the lender pulled up FICO score but the score does not show their report. Without the FICO score lender can not process the loan XX/XX/2021 So I want to fix FICO score I have all the reports from company There is no problem on the on the report but only there is no score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I tried to by property the lender pulled up FICO score but the score does not show their report. Without the FICO score lender can not process the loan XX/XX/2021 So I want to fix FICO score I have all the reports from company There is no problem on the on the report but only there is no score.

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 2023-09-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructio

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Scott Fetzer Financial Group Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this company has financed a vacuum for me but financed the wrong amount. the XXXX I purchased was {$1600.00}. The amount they have on my account is over {$2000.00}. I don't want the vacuum and I want them to stop trying to make me pay for something at the wrong amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: CA
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 am disputing all inquiries that were made in between XX/XX/XXXX to XX/XX/XXXX very strange inquiries were made and I got robbed of my stimulus impact payments disbursement of XXXX by unauthorized use of my identity in XXXX XXXX I am a victim of the Equifax data breach of recent and the XXXX XXXX data breach as well. My student loans amounts are exposed and my car financing information is exposed to where I have gotten a plethora of solicitation and pre-approval traffic in my mail phone email unwarranted and notified of accounts in three different states saying that someone is opening accounts in my name fraudulently that I did not authorize

Company response to consumer: Closed with explanation