BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-30
Company: EQUIFAX, 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:
The credit reporting agency ( CRA ) w as contacted in writing via certified mail to dispute several items reporting negatively and/or incorrectly on my credit report on  XXXX   XXXX ,  2017. In the  letter I cited FCRA Sec tion 609 ( a ) ( 1  ) ( A ) requesting physical verification of the original signed consumer contract and any original creditor documentation which is required by law. The credit reporting agency did not comply within 30 days so another written letter was sent via certified mail on  XXXX   XXXX ,  2017,   requesting the same documentation and citing the same law for the second time.     A certified letter was also sent on  XXXX   XXXX  , 2017, requesting the method  of verification the credit reporting agency used to verify the accounts in question. In that letter I specifically requested a written description of the procedures used to determine the accuracy and completeness of the information and I also requested the business name, address of any furnisher contacted with the phone number. Under  Section FCRA 611 ( a ) ( 7 ), the  CRA has 15 days to provide this information or it must delete negative items reporting on the credit report. The CRA did not respond to this request so I sent another Method of Verification request on  XXXX   XXXX ,  2017, via cer tified mail. And again the request was ignored and the negative items remain on the report.     On  XXXX   XXXX ,  2017, a third  dispute letter was sent via certified mail to the CRA requesting they provide original documentation per Sectio n 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) . The CRA has failed to follower consumer protection laws and has ignored all requests for method of verification further violating my rights and damaging me financially.     On  XXXX   XXXX ,  2017, I sent a writt en letter to the CRA explaining that the account numbers for one of the items in question was incorrect and again there has been no lawfully method of verification and the CRA fails to maintain adequate records or any records at all to verify the accuracy of the items being reported.     The Consumer Financial Protection Bureau ( CFPB ) is fully aware of the credit reporting agencys failure to comply with these laws as detailed in the  XXXX   XXXX ,  2017, press re lease titled Consumers continue to complain about the credit reporting industry in high numbers. As the CFPB reports for other consumers nothing has changed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: NAVY FEDERAL CREDIT UNION
State: AE
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was scammed out a get money quick theme. He needed money sent to him through XXXX took nothing from me but the check was fraud and now I owe XXXX I have the number for the person he wo n't answer I called XXXX but I want my money back now. This is stressful

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 the letters out to the bureaus on XX/XX/2020 and I have not received any notification of the investigation being started. I feel like I'm being taken advantage of. According to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been over 30 days.

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 2019-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Im submitting this complaint with XXXX because my credit score was  negatively impacted due to XXXX reporting a late payments against me. My credit report shows a late payment was reported during the month of XX/XX/XXXX. I was a loyal customer to XXXX ever since received my auto loan in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to XXXX for the month reported as late and I scheduled my payment to be withdrawn from my bank account on-time for that bill. XXXX either did not properly send a request for payment from my bank, or did and something prevented the money transfer to XXXX. I was never properly informed by XXXX   about any impending or existing missed payments on my account for the month reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to XXXX. I only found my original payment was not posted when I logged into my online XXXX  account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payment had successfully been transferred to XXXX. I'm only bringing this issue to the attention of others now because I did not know XXXX was reporting any payment as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for over 4 years due to the late payment on my record caused by XXXX. Since this late payment is not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for XXXX to remove the late payment during the month of XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. If you have any questions, or require further information from me, please feel free to contact me at your convenience.

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 2015-11-17
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Someone has claimed that I rear ended them. But I was not in an accident o, the day they said it happen. Also there is no front end damage done to, my vehicle. There is no police report or any report at all. They supposedly only have a photo of my drivers license. Which anyone could have, as I am a XXXX and work in major company 's buildings. We also have proof that my car has no front end damage done to it. Also this car was hit by a drunk driver over a month ago, and was declared a total loss. So again there is no proof of any wreck. And we want this issue resolved. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
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: Information belongs to someone else

Complaint:
A consumer in  California had a n issue with a local   XXXX   XXXX   and sued them. I own a   XXXX   XXXX    in Texas with a similar name - but I have no relation to the  XXXX  in California. Due to the similar name, somehow my  XXXX  was named as the defendant in the California consumer 's case.     I did not receive notice of any legal actions in California. A judgment was entered against me in the California case and reported to Experian, which in turn has caused a credit freeze for my business line of credit.     My attorney has contacted the plaintiff in the California case, and the Plaintiff has agreed that I am not the proper defendant. The plaintiff and I have both filed motions with the California court to set aside the judgment because of this error.     I have reported this error to Experian many weeks ago, and my credit line is still frozen and I can not conduct 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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS, INQUIRIES and BANKRUPTCY from my credit report immediately.

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 2017-03-05
Company: MORTGAGE SOLUTIONS OF COLORADO
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied for a mortgage in XXXX and at closing paid the required escrow. In early XXXX, my lending, Mortgage Solutions Financial, send me a check for about XXXX saying that that money was escrow overage. When I called my lender, they stated the money was mine to spend. I was n't aware that anything was wrong. 

Around 12 months later, XX/XX/XXXX, I received a notice that my escrow was short XXXX. My lender is now requiring that I pay an additional XXXX ( new payment of XXXX ) per month to cure the shortage! Upon researching, I discovered that my taxes were assessed at land value for the year that I closed ( XXXX ) ; however, I do n't know why my lender would NOT have adjusted my expected escrow for the full purchase price the following year ( XXXX for year XXXX ). I ca n't afford this dramatic increase in mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016 I opened an account online with Regions Bank. It was an offer to give me {$200.00} if I established direct deposit in the account and utilized their online banking. They sent me emails confirming this, and they mailed me a debit card. I later went to the Regions Bank Branch at XXXX, TN XXXX. I met with XXXX XXXX to confirm my identity, verify my address, and validate the special offer for {$200.00} on my account. He disputed my offer until I produced the paperwork ( printout ) of the offer from Regions Bank. He confirmed that the offer was valid and he even printed out another copy for his verification. We met for over an hour and he tried to sell me everything even though I just needed to confirm information. He said I had verified my information and I could go. 

Two weeks later, Regions Bank sent a letter asking me to verify my address and identity. I went to the Regions Bank location at XXXX, TN XXXX and spoke with XXXX XXXX. XXXX was very helpful, but she said that the Branch Manager, XXXX XXXX had to confirm the information again. She copied my Deed, Utilities, and made a copy of my drivers license. She then said that she had to follow up with XXXX XXXX to make sure he re-submitted my information. 
A week later, XXXX XXXX, 2016, I tried to set-up direct deposit on this account and I could n't. I attempted to log-in, but the website instructed me to call in to Regions Bank customer service line for online banking. When I called-in, I was informed that the account had been closed and no reason was given. Regions Bank misled me to believe that they were going to offer their promotion and give me {$200.00} in 90 days and they had no intention of honoring their advertisement. I want my {$200.00}.

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 2015-07-20
Company: AFNI INC.
State: TX
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:
AFNI is trying to collect a {$350.00} XXXX XXXX " debt '' from me. Here is the problem with their claim : - I have never had an account with XXXX- I NEVER lived at the address they are reporting the debt occurred- They REFUSE to verify the details of the debt i.e what months and from what years I owe and what XXXX services I used-They refuse to verify my birth date and social security number. 
-The FDCPA requires them to give 30 days notice of any debt owed. I never got such notice. 

I have disputed this account several times with XXXX and the other CRA 's but each time AFNI has knowingly falsely verified the debt as being accurate. That is an egregious violation of the FCRA guidelines and there are severe fines and penalties set forth in the FCRA for this type of behavior. I want this collection account removed from all XXXX credit bureaus right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
There are items on my TransUnion and XXXX reports that are in accurate. There are duplicate items ( violation ) and companies that are being reported as debt that I do not have a contract with. Please remove these items. If you are able to verify these items please send me the documents that you used to verify these items. I am requesting this for the second time in an informal matter. If you can not verity and send me proof, please remove the Items to prevent further steps on my behalf. My address is included in the letters 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 non-monetary relief
Consumer complaint received 2019-11-26
Company: EQUIFAX, 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 information incorrect

Complaint:
Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization and I noticed unauthorized credit inquiries had been made. I contacted the following : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry :  XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX Who conducted the inquiries and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into the ones named above on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

In you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is an inaccurate and invalid collection account placed on my credit report that is not my own. I have sent letters to all XXXX credit bureaus regarding this debt and still continue to see it reporting, this is a gross violation of my consumer rights and under the Fair Credit Reporting Act, I demand that they either furnish documentation verifying this account as my own or immediately remove this file from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: MI
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:
It's been so agitating waiting for Equifax 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries I am disputing. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened several new accounts at Bank of America on XXXX XXXX in XXXX TX on XXXX XXXX, 2022. On Monday, XX/XX/XXXX I went to my previous bank and closed my account and got the money XXXX} in a money order. I took it to Bank of America and had it deposited at the teller inside. I was told that I would see the money on my account within 24 hours. I checked my account online the following morning and I saw the deposit and that the entire amount had been placed on hold until XX/XX/XXXX. I called customer service and spoke with 3 people, including a supervisor, and they told me that they could do nothing. Then I went to the branch this morning and spoke with a banker ( a gentlemen ) and he told me the same thing and that because I had signed a deposit agreement, that was never explained to me and I was not given time to read, that I had agreed to allow this to happen. Now I am without nearly XXXX  for over a week and I had to borrow money from my fiance to get my account out of being overdrawn. I would like the hold released and to have access to all my funds ASAP.

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 2019-10-20
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Money was sent to me using the Square Cash App ( mobile ) from a friend on Friday XX/XX/19. The money was deducted from her account and has not been received by me to date. The company does not have phone support. I have to email them and wait 24 hours for response. I have sent two emails with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions 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:
There are items on my XXXX and XXXX reports that are in accurate. There are duplicate items ( violation ) and companies that are being reported as debt that I do not have a contract with. Please remove these items. If you are able to verify these items please send me the documents that you used to verify these items. I am requesting this for the second time in an informal matter. If you can not verity and send me proof, please remove the Items to prevent further steps on my behalf. My address is included in the letters 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 2016-11-19
Company: Continental Finance Company, LLC
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
this credit card company will take 8 days to apply a payment to my credit card after they know it 's been collected so that they can charge interest on the outstanding balance instead of applying the payment to the account right away they make you wait up to 8 days so that I can collect interest this is illegal and it 's wrong. I want to be compensated for the interest that they collected on a payment that was received and help for 8 days

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