BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-02
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX a company made a charge against my account without my authorization. I contacted the company, XXXX within 30 minutes of this charge and spoke with them in reference to this issue. They advised this was done in error and that the charge would be reversed, and that there should be no issue with my bank, as the charge would disappear and never process. On XX/XX/XXXX, Regions bank sent me a notice that two {$36.00} overdraft fees were levied against my account due to the 12 hours that the unauthorized charge was " pending '' in their online system. At no point was my account overdrawn, and at no point did the charge from XXXX clear my account. On XX/XX/XXXX I called Regions bank in reference to the {$72.00} in charges on my account. A customer service representative advised me that she would " take care '' of the fees charged " in error '' but later stated she needed to send me to escalations. I spoke to a XXXX XXXX at that time who refused to assist me and stated that I had " agreed '' to be charged fees for pending charges, even if they were fraudulent. He refused to refund the fees or allow me to speak to a supervisor with his bank. I advised him that I would close the account and file a complaint and he told me I should do that.

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 2021-02-04
Company: ALLY FINANCIAL INC.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have a continued complaint against Ally Bank. I just sold my house and the attorneys, XXXX XXXX XXXX in XXXX, Arkansas, ( XXXX XXXX ) that tried to garnish my XXXX benefits back in XXXX. I found out XXXX XXXX put a lien of {$8400.00} dollars without notifying me when he tried to take my XXXX benefits in XXXX. Although there was nothing I could do at the time of the sale, XXXX XXXX drafted a bogus agreement that I had to sign under force majeure. They stole the amount when I had to sign the paperwork so I could sell the home to new buyers. On XX/XX/XXXX, Ally Bank hired more attorneys, XXXX XXXX XXXX XXXX XXXX, Kentucky to sue me twice for the same illegal activity that XXXX XXXX did to me. Please review the documents attached.

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 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Back in XXXX transunion had a issue where all inquiries where deleted off of multiple accounts and then put back on to peoples credit, well by law section 6 11 of the Fair Credit Reporting acts it states that if anything is deleted off of your credit and then reinserted to that the persons credit they are reapplying that to be sent A letter with a 5 day notification of reinsert, I did not receive a letter or notification of this and some of these inquiries do not even belong to me. I would like for them to be deleted. I have contacted transunion directly with no answer! 

Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry :  XXXX Inquiry : XXXXDate of Inquiry :XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX/XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry :  XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : 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 2018-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX XXXX XXXX XXXX provided me with documents that do not reflect the debt amount they are trying to collect The XX/XX/XXXX statement clearly shows a different amount than they have placed on my credit report and are trying to collect for. The last XXXX XXXX statement was XX/XX/XXXX because the account was charged off in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Duvera Billing Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted XXXX XXXX XXXX/Duvera Billing via phone and email to dispute a fraudulent account listed on my credit report. I provided their company my FTC Identity Theft Report and Police Report along with my dispute. Within 3 hours of sending the email I received what seems to be a generic/templated response stating they have completed their investigation and did not find sufficient evidence to classify the account as Identity theft. I called to speak with a manager to request the details of their investigation and was told the only way to communicate with the fraud team is via email and that based on the email response I received they are not willing to remove this fraudulent account despite me providing all of the required Identity theft documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midwest Recovery has recently purchased a debt that I do not owe from XXXX XXXX and after repeated attempt to ask for verification that I owe the debt I have not received a response or verification. The debt has past the statute of limitations according to my state laws in Texas. I am also aware that re-aging of a debt in an attempt to collect on a debt is also illegal under the Fair Debt Collection Practice Act. the most current date on this collection is XX/XX/XXXX for the amount of {$980.00}. I also have proof that this account was should the first date of delinquency is XX/XX/XXXX which mean the account was re-aged in an attempt to further collect on a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with PENTAGON FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and PENTAGON FCU with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2018.

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 2018-07-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2018, I received a phone call from Fifth Third Bank in regards to a late payment for my auto loan. I had called Fifth Third on XX/XX/2018 at XXXXXXXX XXXX to request assistance with that payment, but after a nearly 18 minute conversation with 2 different departments I came to the conclusion that there would be no benefit to having borrower 's assistance and I advised I would make my payment late. At the end of my conversation with the 2nd agent, she verified contact info with me including my phone number, but I did not express any verbal permissions to contact my number or repeal my written cease and desist notice I issued to their company 2 years prior. Today XX/XX/2018, I received a call from Fifth Third, I spoke with an agent that I feel refused to acknowledge that I had already issued a written cease and desist notice that is on file with their company. He stated that I would have to issue another letter to continue a cease and desist on my account while also advising me that during that time they await my letter that I was subject to be placed in a automatic dialer system, which I advised that I did not give permission to be in. I don't recall receiving this man 's name nor do I recall being given any monitoring disclosure or mini miranda for debt collection. I asked for a manager and I spoke to another man named either XXXX or XXXX, whom acknowledged and verified that I had a written cease and desist oh file and stated that per their policy that notice should not be removed unless I have sent a written request to resume contact, which I haven't. During this conversation, this manager also acknowledged I was correct and he understood that this call was a violation of FDCPA and CFBP while assuring me that something that shouldn't have happened today will not happen again in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: BlueChip Financial
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Loan company used other loan companies to collect debt in their name. Falsified birthday and current address. Loan rate is 780 %. Fraudulent activity for my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
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: Account status incorrect

Complaint:
I had 20 student loans with XXXX XXXX in forbearance. XXXX XXXX and XXXX split and 10 of  my loans somehow defaulted. XXXX XXXX did an investigation and stated they made a mistake but I would need to send certified letter to XXXX to buy back loans. XXXX refused to buy back the loans from XXXX XXXX. So I had NO CHOICE but to do a consolidation with XXXX XXXX XXXX. Now on my credit report these loans are showing NEGATIVELY 120 days late which they were not!!! I have spoken to XXXX and they are unwilling to update the status to NEVER LATE. XXXX XXXX " has no record ''. I filed a dispute with all 3 credit bureaus and they came back " accurate information '' which is not correct. I have ALL OF THESE ACCOUNTS COUNTING AGAINST MY CREDIT!! Please help!! I am asking for the XXXX and XXXX XXXX loans to either change their status to paid never late so they can reflect POSITIVELY or REMOVE them totally from my file. They are paid and closed but still affecting my credit negatively to no fault of my own! XXXX XXXX should have never been on there and would not have been if XXXX XXXX hadn't made a mistake so I am asking to REMOVE that account totally. Basically I have 4 different groups reporting the same monies. My loans are in good standing with XXXX XXXXXXXX XXXX. I have attached 2 of the 3 credit reports as XXXX is about 30 pages long. You will see the same account numbers and 20 to 30 accounts for the same monies. This is the biggest hit to my credit score and it's really not fair. I am trying to purchase my first home and this will prevent me from doing so. XXXX 's devious tactics can not continue to ruin people 's lives. After I disputed XXXX started reporting the XXXX XXXX loans under them which had been reporting under XXXX XXXX all this time. Please help and Thank you for your consideration.

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 2022-08-05
Company: Chime Financial Inc
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/22 I broke my XXXX and tried to log into Chime and add a new phone number I had access to. 
XX/XX/22 My account was " suspended '' or " locked '' by Chime due to Suspicious activity. 
XX/XX/22 I replied to their email asking for documents to verify my identity. I responded promptly and attached all required documents XX/XX/22 I call Chime customer service. They tell me to wait for an email response. I send another email to them. 


Every day since XX/XX/22 I have contacted them via phone and email, to no avail. Have not heard back from a single person with an update or anything even related to my case. I have my case #, ticket #, it doesn't matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, INC.
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:
I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXX  # XXXX, DEPT OF ED/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. My current address is XXXX XXXX XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: CL Holdings LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account is from XXXX and they keep reporting it as new. They reported it last on XX/XX/XXXX. They are saying that the account was opened in XXXX and it definitely was not, it was XXXX. 
The amount is {$1200.00} and its negatively affecting my credit score when it should be gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I had 20 student loans with XXXX XXXX in forbearance. XXXX XXXX and XXXX split and 10 of  my loans somehow defaulted. XXXX XXXX did an investigation and stated they made a mistake but I would need to send certified letter to XXXX to buy back loans. XXXX refused to buy back the loans from XXXX XXXX. So I had NO CHOICE but to do a consolidation with XXXX XXXX XXXX. Now on my credit report these loans are showing NEGATIVELY 120 days late which they were not!!! I have spoken to XXXX and they are unwilling to update the status to NEVER LATE. XXXX XXXX " has no record ''. I filed a dispute with all 3 credit bureaus and they came back " accurate information '' which is not correct. I have ALL OF THESE ACCOUNTS COUNTING AGAINST MY CREDIT!! Please help!! I am asking for the XXXX and XXXX XXXX loans to either change their status to paid never late so they can reflect POSITIVELY or REMOVE them totally from my file. They are paid and closed but still affecting my credit negatively to no fault of my own! XXXX XXXX should have never been on there and would not have been if XXXX XXXX hadn't made a mistake so I am asking to REMOVE that account totally. Basically I have 4 different groups reporting the same monies. My loans are in good standing  with XXXX  XXXX XXXX. I have attached 2 of the 3 credit reports as XXXX is about 30 pages  long. You will see the same account numbers and 20 to 30 accounts for the same monies. This is the biggest hit to my credit score and it's really not fair. I am trying to purchase my first home and this will prevent me from doing so. XXXX 's devious tactics can not continue to ruin people 's lives. After I disputed XXXX started reporting the XXXX XXXX loans under them which had been reporting under XXXX XXXX all this time. Please help and Thank you for your consideration.

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 2018-07-03
Company: Ocwen Financial Corporation
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I mailed payments by 2-day priority and it arrived in time. I was reported late because someone didn't apply my payment for several days after they received it and I was reported late. I am being reported late in XXXX because the post office made an error by putting the wrong letter in my 2-day priority payment. I tried to explain what happen, but I am being  reported late again. This is not my fault, but they won't listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
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:
Okay so at this point I am XXXX. In XXXX, Transunion deleted the following accounts : XXXX XXXX {$24000.00} XXXX XXXX {$15000.00} XXXX XXXX {$22000.00} In XXXX, they added these fraudelent accounts back to my credit reports. Not only are they continuing to report inaccurate unverifiable information, they placed these items back on my credit reports with out sending me a FIVE DAY REINSERT LETTER. I did my research and that is the only way they can LEGALLY add these accounts back to my credit profile. So at this point Transunion need to delete these accounts or I just may have to file litigation because this is so illegal because under the FCRA Experian must send be a written notice 5 days before adding these accounts back to 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 2021-02-04
Company: LEXISNEXIS
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am currently shopping for car and home insurance, I learned today that there are 2 car accidents listed on a lexisnexis report that are negatively affecting my rates. Both accidents were listed as not my fault. I have the police reports to confirm this. I tried to contact lexisnexis via a phone number given to me by the insurance agent and another number I found on the web. Their answering service does not allow me to connect to a person. I tried at least a dozen times and most of those the call just disconnected without any action on my part. There is no other contact information on the website, and I would like to know how I can correct the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: WELLS FARGO & COMPANY
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:
On XX/XX/XXXX letter from XXXX 's XXXX XXXX admits I had an account and it was closed. XXXX 's has my record of my account and I hiding material facts regarding my account. All my installment payments were paid on time. 
XXXX 's chose not to report to any of the credit bureaus of my good account. Violation of FCRA. 
On XX/XX/XXXX letter from XXXX states XXXX 's credit program was acquired by Wells Fargo N.A. on XX/XX/XXXX including my account. 
My complaint now rests with Wells Fargo N.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 2018-02-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Tried to buy 2 tickets to an XXXX game through XXXX. 

Found a guy, gave me a name, email address and i sent the money via XXXX. He then stopped all communication

Company response to consumer: Closed with explanation