BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-09
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 am filing this complaint because I was made aware of some accounts on my credit report that do not belong to me. The way I found out is that I got my credit ran by a loan company when I applied for a personal loan. I had no idea that these accounts were on my credit before today XX/XX/20. I did not open any of these accounts nor did I give anyone permission to open them in my name. I made some calls and I found out that these accounts were opened by a person named XXXX XXXX XXXX. I have no idea who that is nor why they opened these accounts in my name without my permission. I never made any purchases or payments towards any of these accounts nor did I benefit anything from these accounts such as money, services, goods or any other benefit.

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 2021-04-22
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have had an account with Regions for over 20 years. A Free account ; when I lost my job 5 years ago I was told as long as I had XXXX deposited into the account it would be free. 
I have been charged for this account {$3.00} and {$8.00} here and there for a FREE account. I have been with Regions for over 20 years ; this past XXXX they started charging NSF fees on pending transactions ; which I have never seen. I was always told that they do not do that in order to give you a chance to deposit money into the account. I went back and forth and every agent agreed with me, but because Regions put a block.. I was told no one could correct it even though they could see it was not my error. I finally filed a claim and the bank returned my fees after months of fighting. Finally my account went in the negative over a bank monthly fee. For the banks fee i was charged a {$36.00} NSF charge, and as long as I have had an account.. that has never happened even if I did not have the money to cover the fee. The young lady gave me the {$300.00} fee back, but I'm still left with the {$36.00} I told her I was closing my account because this is absurd. Now here we are again with Regions has been getting over on these fees since the pandemic. I am one of the ones that has been out of work due to the pandemic, and recently ill from XXXX. Here recently they charged me for XXXX NSF fee charges, but only XXXX item overdrafted my account. Then I was charged another {$72.00} for XXXX items that were covered by my deposit. I have a record that shows I had a {$440.00} deposit on the day they charged me the {$72.00} ; that should not have been. I'm still recovering and trying to stay on top of my affairs when I was sick.. still sick ... no compassion from the bank, and their ledger shows something different from what mine shows ; that they provide for me/consumers to see, but it's different so they can charge up these fees. I want my fees reimbursed and the block lifted from my account. Per your agents who said it's a bank error ; stated they could not do anything because of it. I feel like the block was out in for retaliation from a branch manager at the XXXX location, because I went above her. I just want my fees back and I will leave your bank because I feel they do not want me as a customer. Because of this ; it has put all of my bills out of sync with these fees they process as they want but differ from the ledger on online and app banking so they add what they want. So I will probably incur more fees because I didnt account for them adding fees when there is an actual deposit ... so if I incur anymore fees due to the current situation. I want those reversed as well

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 2022-01-29
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently received a copy of my XXXX consumer report and I noticed a third party collection agency listed on my consumer report. this company is in clear violation of the law. Pursuant 15 U.S. Code 1692c

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: EQUIFAX, INC.
State: AL
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 have contacted all 3 bureaus in regards to inaccurate public information being reported. They are reporting a Bankruptcy and IRS LIEN which are not mine. I have sent numerous letters and made numerous phone calls to no avail.

Here are the following dates in which these two items have been addressed : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: EQUIFAX, INC.
State: NC
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, 2017 I submitted an online dispute with XXXX and Equifax concerning Personal Identifying Information missing on my Credit Report / Public Records/ Tax lien ( 2 separate state tax liens ). The only option that fit my situation to file this complaint was listed under 'not mine '. Regardless, the information on my credit report /public records does not include the following : Legal name, DOB, Social Security number or address. They 're-verified ' that the information is correct without conducting a reasonable investigation ( FCRA ),  instead chose to utilize the XXXX system again ( this is not the first time I have contacted them to update or delete these liens ). The personal information they are providing does not meet the requirements per FACTA.They do not have or can not produce the original records showing these liens in fact belong to me. My county courthouse does not provide this information and neither does the NC Department of Revenue, but XXXX and Equifax employees are telling me that they contacted the courthouse and the clerk of court provided the information. That is not true, and if need be I can get the clerk of court to provide a written statement to the contrary. They do openly admit willful non-compliance by not following the law, but they do n't call it that. Also, they will not tell me what 'Method of Verification ' is being used per FCRA sec. 611, only that a vendor has 'verified ' the information. I am having the same issue with both XXXX AND EQUIFAX. I have contacted each agency listed above at least 5-6 times by certified letters, email disputes and phone calls, yet nothing changes. The lack of personal identification is continually being 'verified ' as accurate buy unknown, secret sources through the internet without any proof. I am providing proof of dispute and the 'Official public records ' in question. This document clearly does not contain the required information, only the name of a person is provided. I am not the only person with this name. So, how can the remaining information be verified if the official document does n't contain : address, social security number, or date of birth? It can not ... and they have continuously lied about it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Receivables Management Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i haver a medical bill from 2020. My daughter went for a doctor appointment. I told them i had XXXX and they submitted the bill to her Mother 's insurance then contacted me a year later to tell me i had an outstanding balance. I told them they were supposed to submit it to XXXX then they told me it was too late to file with XXXX now. I told them their ignorance shouldn't be my problem so here we are. My problem is the lack of training and incompetence at the call centers ... if they file it wrong it becomes someone else 's financial problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 act XXXX  Account # XXXX XXXX XXXX XXXX XXXX 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 agency can not furnish a account without my written instructions

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 2021-07-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted letters to Experian for the longest now. I sent in hard copy letters ( certified mail ) regarding 6 accounts on my Experian report that they are failing to verify accurately! I have a copies of the letter I sent in. I have not yet received any information in the mail from Experian regarding these accounts explaining that they are mine. No one has sent me information on how they verified these accounts. You can just select " verified with company ''! NO I want to know how you verified this information, who did you speak too, what was the agent name, time, and more! I want to see a physical copy with MY SIGNATURE on it verifying that, those are my accounts. Accounts are listed below. 

XXXX XXXX : Account number XXXX  ... 
XXXX XXXX XXXX XXXX XXXX : Account number : XXXX : Account was PAID AND FULL. There shouldn't be a LATE PAYMENT up there. Please remove inaccurate information. 
XXXX/XXXX  : Account number : XXXX Account is not mine. Please validate, remove from my report. 
XXXX XXXX XXXX XXXX : Account number : XXXX, Account is not mine. Please validate, remove from my report. 
XXXX/XXXX  : Account number : XXXX Account is not mine. Please validate, remove from my report. 
XXXX : Account number : XXXX ... Account is not mine. Please validate, remove from my report. 

Experian failed to send actually proof to my home verifying these account with any of my information on them. They have violated the right under the FCRA. I will sue, if no one can show me signed contracts with my signature for these accounts. These accounts are hurting my credit profile. Thank you for your 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 2022-06-15
Company: EQUIFAX, 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 contacted Equifax in XX/XX/2022 asking that they please add two XXXX XXXX XXXX XXXX XXXX for which I am an authorized user as my Equifax Credit Report was incomplete and missing the two credit cards in question. Equifax, as of today, has refused to add these two accounts without basing their decision of any statute, law, edict, court case, dicta, caselaw, etc. In fact, my request have been ignored as a reply has not been afforded. The FCRA permits CRA to add " authorized '' user account to profiles. In fact, both XXXX and XXXX both show these two accounts in question. Of real concern is the fact that Equifax, in retaliation, has initiated, on its own, disputes with some of my creditors. Yes, you are reading correctly, I have not disputed any inaccuracies nor disputed any incorrect information shown in my Equifax Credit Report. Equifax has opened multiple disputes without my approval and without my knowledge. For example, multiple disputes have been opened by Equifax with XXXX  XXXX XXXX, on account XXXX, a legitimate account, in good standing, and for which I have no problems with. The information for his account is correct. Why did Equifax, randomly, decided to start opening disputes with this creditor without my permission? This is illegal! Equifax reference dispute # : XXXX and XXXX. My cease and desist letters have been ignored. I will file a complaint with my State Attorney General and consider taking legal action. Under what FCRA statute does Equifax opens up disputes with my creditors in a secretive manner? What legally justifies their actions?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX of XXXX, we bought a refrigerator in XXXX XXXX Department located in XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA XXXX ; with a phone number Phone : ( XXXX ) XXXX. We leased the refrigerator with their 3rd party leasing company called : XXXX, XXXX located in XXXX XXXX XXXX, XXXX, NH XXXX with a toll free number XXXX, and an email of XXXXXXXXXXXX I do n't remember if we leased it for 12 months. There has been issues on the automatic payment because my husband 's debit card was compromised 2x with XXXX XXXX. I remember buying out the lease with them on XX/XX/XXXX. I believe i even asked them to send me a hard copy of the buy out. On XXXX of XX/XX/XXXXwe started receiving letter from the collection agency. I asked them to give me the details of the amount they are trying to collect because i know that we already bought out the lease. But they ca n't give us any information since according to them, WHY NOT LEASE IT just forwarded our account to them. They are collecting the whole amount of the Fridge when we first got it. I tried explaining to them that we made payments and that we bought out the lease. I called WHY NOT LEASE IT to ask for a hard copy of our payment but they said they do n't have our account info with them anymore since they forwarded it to the collecting agency. I called XXXX as well if they can provide copy of the receipt back in XXXX of XX/XX/XXXXbut they told me they ca n't. I must have misplaced or threw away my receipt so I have no basis on my lease with them. All I have is a copy of our bank statements showing the money taken out from our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
OnXX/XX/XXXX XXXX garden used my card twice for XXXX. They refunded one and cancelled the other purchase for the inconvenience. The problem was there was a XXXX dollar purchase from XXXX. The manager there and I called AMX bluebird together to get this resolved. She gave them all the transaction ID numbers stated that there was no XXXX dollar purchase. When I filed with the bank I told them this was fraud and I would like to use my fraud protection. They argued that since I had previous gave them my info for a room it was not fraud. I told them I didn't understand I never gave permission for a XXXX dollar purchase. They said I could file for an investigation so I did on XX/XX/19. I called and checked on status and asked if I could file for my fraud protection now and they said I requested a refund and did not file fraud. I am currently on hold with them for over XXXX because I asked to speak to supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-24
Company: TMX Finance LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Legal Debt Recovery Department ) Creditor : Title Max Inc. 
Outstanding Balance : - {$2500.00} Docket Number # : - # XXXX If you want to resolve this case outside of court so contact to our Settlement Department : mailto : XXXX Subject : Final Notification from the Title Max Loan Recovery Department Title Max is a state licensed lender, which means we abide by all laws set forth by each state. This Legal Proceedings issued on your Docket Number # XXXX with Title Max Inc. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of Title Max has decided to mark this case as a flat refusal and press legal charges against you. 

Let us know what your intention is by today itself, so we can try to put this case on hold or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your doorstep. 

Do revert back ; if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding a legal charges against your name today. 
The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 

This is also to inform you that the creditor has all the rights and authorities to inform the employer about what you have done in the past and what will be the results once the case in downloaded and executed. Submit your final intention between two days or we are not able to help you out this case more. 

Customer Notice : Title Loans should be used for short-term financial needs only, not as long-term financial solutions. Customers with credit difficulties should seek credit counseling. 

If you want to resolve this case outside of court so contact to our Settlement Department : mailto : XXXX We have a settlement amount for you with easy weekly and one-time settlement amount options. 



1. If you can make one-time payment of {$1400.00} ( One-time case settlement ) we can close your case file with this amount only with the same day payment. 



2. If you are looking for weekly payment then you have to pay a total amount of {$2500.00} with payment arrangement and you can pay {$450.00} weekly till paid in full. 



Kindly let us know what type of payment arrangement you are looking for at : - mailto : XXXX Note : If you need to take care of this case outside of the courthouse or you need a payment arrangement plan option to hold this case outside of the court.submit your Intention about this case, you need to email us back immediately at : -mailto : XXXX Debt recovery Department Title Max Inc . 
Attorney XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions 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 act XXXX Account XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section : It also says states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-01-29
Company: Penn Credit Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Penn Credit is trying to collect money for an UNSOLICITED cookbook. I had the same problem a year previous and reluctantly paid because I was sick and didnt realize consumers are not responsible for unsolicited merchandise. I canceled my magazine and told the company both written and at the XXXX number to cancel everything and never send me anything else. 
I called both the magazine office and Penn Credit. They both know the product was not solicited. They both known consumers are not responsible for unsolicited merchandise but play this fraudulent game year after year.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
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 fraud alerts or security freezes

Complaint:
I want to remove my consumer statement an fraud alert from my credit report, Please remove it permanently. 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 explanation