BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-19
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Being a first time, single mother, I had to make the decision to use my overdraft protection. I check my balance before every transaction so I knew that I would be over drafting that transaction but the {$36.00} dollar fee was worth it to keep my son in daycare for the week. Especially when I would be getting paid in a couple of days and it would all even out. No big deal. 
Imagine my surprise when I checked my balance and it was more than XXXX dollars in the negative. Apparently, Regions decided to reorder transactions for the past few days to incur overdraft charges on XXXX transactions instead of just the XXXX transaction. This resulted in {$360.00} in overdraft charges. Instead of {$36.00}. 
When my paycheck hit my account, it was ENTIRELY gone because of this. That was money to pay bills and feed my baby. And now my phone is shut off because regions STOLE all of my money. 

I 've contacted regions several times about this matter and they give me the same answer. 'There 's nothing we can do. ' I 've filed a complaint with the XXXX they have n't responded. 

It should be illegal to reorder transactions to maximize fees.

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 2020-12-26
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 is missing that should be on the report

Complaint:
I APPLIED FOR MORTGAGE LOAN WITH XXXX. THEY USED FACTUAL DATA XXXX IN XX/XX/2020. BECAUSE OF COVID 19 XXXX CALLED ME WANTING TO KNOW IF THEY COULD PULL MY CREDIT AGAIN BECAUSE OF REMOTE WORKING. SO MY CREDIT WAS PULLED AGAIN WITH FACTUAL DATA XXXX ON XX/XX/2020. THESE XXXX PULLS SHOULD BE COMBINED INTO XXXX PULL FOR XX/XX/2020. BECAUSE OF COVID 19, 2020.

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 2020-12-26
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Title loan company is not allowing me to pay off my loan not giving me a payoff stalling steering me into hardship raising my interest rates because I can't make my payment on time because of covid-19 devaluing my property by slamming my credit and raising my interest rates now my property is worth nothing sent me into hardship andharassment on the phone not ever giving me a monthly statement nor telling me they're doing inquiries on my credit absolutely everything is verbal this company is running extortion on me and extorting money by threatening me for repossession of my vehicle.

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 2015-09-29
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was with Green Tree who subsequently merged with Ditech. My payments are due XXXX of the month. In the past i have made the payments by the XXXX of the month and accepted the late payment charges. While with Green Tree this was seemingly never a problem, it is apparently a huge problem with Ditech. Inspite of me making arrangements and notifying them when my payment will be made I get no less than XXXX calls per day between my home and cell phone. The last call I received stated that my representative XXXX, who was ( is nasty on the phone ) would need to make a decision as to what she was going to do with my account come Wednesday XXXX XXXX. Really???? My account is not even 30 days late and I do not take kindly to underlying treats being made to me!! This is harassment and needs to stop, I had already advised them when the payments would be made, why are they continuing to even contact me let alone threatening me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and found that this company Transworld systems input a collection on my credit that was unknown to me. After sending a VOD to this company they sent me something stating it was a statement from the company XXXX XXXX XXXX. I reached out to the company to ask why and what was this debt that they were trying to collect on being that I did not owe a debt to them. I rented an instrument for my XXXX  during the school year of 2018 and it was returned with no problems and no balance due. The rep said she didn't know anything and wanted me to call the collection company. I asked why would I need to call a collection company when your company is the one that is trying to collect on a debt that I know nothing about. I asked for the corporate number so I could get the facts of what's going on with this account and why is this just now coming out. She told me that was the corporate number I called and then proceeded to tell me that she was going to hang up the phone because she didn't have anything else to say to me. I told her I need her to make me understand what is this amount they are trying to collect when clearly the instrument was returned and I have a receipt. From there she still did not want to look into this situation. Told me it wasn't her company and I just need to speak with the collection agency. I told her this isn't right but could not get any further with this rep. I have attached the receipt I received from the rep at the store after returning the instrument and I have also attached what this collection agency has sent me saying I owe this amount. That I know I do not owe. The current balance as well as total account balance shows XXXX so how could they possibly try to collect on anything when the amount is XXXX owed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Wells Fargo and myself are in the process of dealing with the second account which I never applied for. First a young lady by the name of XXXX who I was in conversation with was wonderful. Now the next step is with a gentleman I am in contact with. 

Wells Fargo always denied I had two accounts but I did. Whoever manipulated the loan agreement did it behind my back. Ever since I found my voice to fight injustice my biggest worry and concern were for people who were XXXX  XXXX, XXXX  XXXX, illiterates and just totally stressed. 

Anyone who handles money for anyone should have the highest integrity one can stand on. Loan officers, brokers, advisers, attorneys should have the strongest regulations over them and the strictest penalizes against them if they commit wrongdoing. Integrity and honesty must be the forefront of every financial deal. 

I have been writing to every Senator, Agency, especially this one and the House Finance Committee along with sending my complaints to Wells Fargo.

Out of all the people I spoke with from the time I found out there were two accounts in my name I voiced my concerns from 2011 to present. Over 10 years. Over those ten years only ONE ( 1 ) person ever told me I had two accounts not one. Everyone else said I had one and gave me some poppycock story which I never believed. 

XXXX XXXX told me on XX/XX/XXXX a loan for XXXX # XXXX Another loan for XXXX on XX/XX/XXXX. Also on my Note where there is a loan officer by the name of XXXX XXXX who I have never met and have no recollection of this person. Everyone I dealt with were females and the only male was XXXX the loan officer on XXXX. Many years later. XXXX XXXX is the only one who was honest with me to tell me " Yes there are two accounts and both are for XXXX. This never appeared until XXXX when I made my payment in XXXX Virginia for over 400 dollars. 

Then XXXX to present, the principal never changed but before that my principal was going down. 

This day and the day I step foot into Wells Fargo I never never applied for two loans not with the credit score I had. The only word that comes to my mind is Predatory Lending. Someone took advantage of me big time when I was at the lowest point in my life. You couldn't get any lower where I was in my life at that time. The worst I trusted the loan officer. My trust was thrown away like garbage or threw the paper shredder. 

Trust is so important. Honest is even greater and Integrity is the pinnacle of a business.

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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive been contacting transunion for months sending letters on top of letters and they have refused to remove incorrect information from my credit report. I have provided with all documentation ids and identity theft affidavit & they still refuse to remove the incorrect inquiries and accounts from 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 2016-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and their is unauthorized and fraudulent credit accounts and inquiries listed on my Trans Union that do n't belong to me. The following credit accounts and inquiries listed are fraudulent : 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 and 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 explanation
Consumer complaint received 2022-10-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage loan was sold to FIFTH THIRD BANK from XXXX my first payment with XXXX was XXXX XX/XX/2022 I tried to open an online account with XXXX however their system would not let me I was ask questions before it would let open it like do you have your loan documents and how much was in your escrow account are how much the original loan amount was etc. I answered the questions and was locked out and told to call XXXX when I called i was given a number and transferred to an automated system and I entered the number and was told it was invalid I called backed and was told by a rep name XXXX she could not get a supervisor to help me had to make an alternative payment and still do not have an online account it should be this hard to open an account and I worry they may try and take my home after what loan servicers have done in the past getting bonus es to take people 's homes and lying about loam document etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have requested my Transunion report a few times and have not received a copy. I tried to view my credit report online however I have been unable to access it through Transunions unions website, and Annual Credit Report website. When trying I get an alert indicating that I would have to call in to request a copy of my credit report. I have called in 8 times within the past 7 months and requested a report be mailed to me however I still have not received my report from both credit bureaus. During this, both credit bureaus have reported fraudulent information on my report which I am alerted to through my credit monitoring service but still am unable to view the actual report. I have not received any communication from XXXX despite requesting my report with them via phone and Annual Credit Report, I was also a victim of the XXXX data breach and still don't have access to view the information on my 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 non-monetary relief
Consumer complaint received 2020-03-16
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:
XXXX XXXX account reported written off as bad debt was fully settled with 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 2022-10-09
Company: Coinbase, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
All of the dates with the amounts below are fraudulent charges and Coinbase Inc. refuses to give me my money back after I proved to them that I was a victim of a XXXX scam. The fraudulent company is XXXX XXXX XXXX. The scammers go by the names XXXX XXXX and XXXX XXXX on XXXX and represent XXXX XXXX XXXX to lure people in. XXXX XXXX also uses XXXX. Someone named XXXX XXXX but goes by XXXX uses XXXX to communicate with people they are scamming, as well as XXXX XXXX. XXXX 's name on XXXX is XXXX ( all XXXX word ). Coinbase requested that I send them documents such as emails, screenshots of conversations with the scammers, proof of the money being sent to the scammer 's wallet, etc., yet they still did nothing to make it right even after I provided the documents per their request. Coinbase stated that they are sorry that I was the victim of a scam on their platform but they can not reverse the charges. They are failing to protect their customers in this way even though the scammers are most likely using the money to engage in money laundering and other illegal activities. XXXX XXXX even stated that XXXX was supposedly laundering millions of dollars in XXXX and that he has offshore accounts. Coinbase is breaking the Anti-money Laundering Act which now includes cryptocurrency. The total amount that I lost is {$13000.00} from Coinbase, and I would like a refund. I can provide bank statements and screenshots from Coinbase if need be, plus proof of the scam. 

XX/XX/XXXX - {$270.00} XXXX {$110.00}, {$100.00} XXXX {$650.00} XXXX {$720.00} XXXX {$13.00}, {$30.00}, {$2000.00} XXXX {$30.00} XXXX {$4600.00} XXXX {$10.00}, {$2000.00} XXXX {$1000.00}, {$1000.00} XXXX {$1000.00} XXXX {$13000.00} I lost a total of {$5300.00} from XXXX and the story is the same for them. They asked for proof of the scam, I provided the documentation and they said they were sorry that I was the victim of a scam but they could not reverse the charges. The dates and amounts from XXXX are as follows : XXXX XXXX XXXX {$52.00}, {$1100.00} XX/XX/XXXX - {$210.00} XXXX {$2800.00} XXXX {$5300.00} {$5300.00} + {$13000.00} = {$19000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: JPMORGAN CHASE & CO.
State: PA
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:
On XX/XX/2020, Chase Credit Card company reported my account as delinquent. However, my account is not in delinquent or late status because my bill is due the XXXX of each month and was in process of being withdrawn from my bank account on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XX/XX/2015XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX Hello, I applied for a car loan with XXXX, @ XXXX in XXXX, Ohio @ XXXX. I am trying to rebuild my credit, I was turned down. The XXXX places that he tried to get me a loan sent letters to my house. XXXX was from XXXX XXXX the other from XXXX XXXX XXXX XXXX. XXXX XXXX was Insufficient Credit because I do n't have any credit cards or not made any large purchases. Experian reported to XXXX XXXX that I had XXXX Garnishments, Foreclosure, repossessions, collections or judgments. Also XXXX insufficient credit experience. If I do n't have credit experience how do I get garnishments, foreclosures and repossessions??? 
I purchase and paid for XXXX home and car over XXXX years ago, XXXX XXXX XXXX ( XXXX ) last name was mispelled. I purchase and paid for XXXX Nissan Sentra through XXXX XXXX. I have never had a Forclosure or repossesion. I had XXXX garnishments XXXX medical bill and my student loan. If I had seen that report I would not give me a loan either. 
If I stand accused I want Experian to send me my XXXX garnishments, foreclosures and repossessions. 

Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within XXXX days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
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: Was not notified of investigation status or results

Complaint:
I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) ( 2 )

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 2021-01-20
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: Public record information inaccurate

Complaint:
I disputed public record information that appears on my Experian credit file. Experian replied to me that the information would remain on my credit report because they validated the information with XXXX. I then disputed the information with XXXX who, under the FCRA, removed the information and also notified Experian. I disputed the information with Experian again and they refuse to remove the information. I viewed the information for the bankruptcies in PACER and the address on the entry is not mine. The bankruptcy information in question does not have a DOB that can tie it to me and the address is not mine ; the address is not on any of my credit reports and it is not on my XXXX report. If Experian used XXXX to validate the information that XXXX has not removed, how is this information being validated as mine and belonging 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 2015-09-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
They agreed to accept XXXX on a XXXX debt to settle, I paid it and now they say I did not. This was over 7 years ago and I do not have records to prove myself. They call five times everyday, they will not send me any paper work. My credit is ruined because of this XXXX little illegitimate debt that was already paid. They have wrecked my life ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Innovis
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There are XXXX hard credit inquiries that I did not authorize on my credit report. One is from CBC Novis, and the other is from XXXX. These XXXX unauthorized inquiries have knocked my credit score way down. Help me. Why would/could they do this? 

XXXX XXXXXXXXXXXX - XXXX

Company response to consumer: Closed with explanation