BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-13
Company: REGIONS FINANCIAL CORPORATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a principle-only payment on/around XX/XX/XXXX via the Regions XXXX website and indicated that the entire {$2700.00} of my payment was " Additional Principal. ( There is a space to enter the 'Additional Payment ' amount on the payment screen - I entered {$2700.00} and left all other fields blank ). 

On/around XX/XX/XXXX Regions Bank reversed this principle-only payment as a 'misapplication reversal ' and applied it to my account as my XX/XX/XXXX payment- this was done without my consent. I am enrolled in Regions automatic payment program, so when my XX/XX/XXXX ACH payment debited it was applied as my XX/XX/XXXX payment. 

In speaking with a call center agent ( XXXX? ) on XX/XX/XXXX, I learned that although Regions Bank was given clear instructions about how to apply my XX/XX/XXXX online payment, they apparently have an existing company process that looks at principle-only payments made towards the end of each month and automatically reserve those and apply them in a manner not directed by the customer. 

While I recognize the possible likelihood that this step is being taken by Regions Bank with positive intent to proactively correcting a customer potential payment entry error, they are taking this reversal action without the consent or timely notification of the customer. I ask that Regions Bank cease this practice immediately and that all future payments be applied as directed by the customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When i try to apply for credit im told theres a fraud freeze on my credit reports. I never applied for a freeze, i have no information of this and i want this removed from my credit reports 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 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
TRANSUNION INQUIRIES WITHOUT MY CONSENT OR KNOWLEDGE REPORTED TO THE POLICE FOR BREECH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX via XXXX XXXX 4.XXXXtransunion interact XXXX XX/XX/XXXX XXXX alert XXXX XXXX XXXX XX/XX/XXXX 6.Transunion Consumer int XX/XX/XXXX threw XX/XX/XXXX 7.Transunion XXXX XXXX XXXX XX/XX/XXXX threw XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX threw XX/XX/XXXX XXXX XXXX via Transunion XXXX XX/XX/XXXX threw XX/XX/XXXX XXXX XXXX XX/XX/XXXX threw XX/XX/XXXX XXXX XXXX via Transunion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX threw XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXTransunion Interactive XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX threw XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-01-13
Company: VELO LAW OFFICE
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XX/XX/XXXX I recieved a letter from my local court house about a credit card debt. I know I owe it, but being on XXXX something happened and I just couldnt pay it at the moment. I sent a letter using proper legal information stating that My income being Social Security XXXX was protected by law against collections such as your as well as Judgments. I sent that certified mail, I never recieved a response or notice of a upcoming court date. 

Today i recieved a document stating they are requesting a judgement against me. I am fairly certain that after the certified letter I sent requesting that they stop all collections immediately ; by law they have to. 

The date claims it was XXXX, the date the judgement was filed was XX/XX/XXXX, In the amount of {$880.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person.

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 2019-10-11
Company: Experian Information Solutions Inc.
State: MA
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: Received unwanted marketing or advertising

Complaint:
After 2 months of my experian score increases, the last change was +2 points on XX/XX/2019 to XXXX. On XX/XX/2019, I attempted to use experian boost and provided access to my credit cards and bank account. For no reason my score was dropped 5 points immediately by experian. Tried to call experian and was placed on hold for more than 30 minutes and forced to listen to repeated advertisements about experian premium packages and benefits which would expedite contact with experian personnel and assistance. This is not proper and my score should not be affected by my refusals to buy experian products.

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 2017-09-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When i try to apply for credit im told theres a fraud freeze on my credit reports. I never applied for a freeze, i have no information of this and i want this removed from my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Capital One, XX/XX/2022, did a credit inquiry and issued me a credit card that I did not apply for. When I received said card, I contacted Capital One and cancelled said card. I told them I didn't apply for a card. I already have a Capital One credit card. I certainly don't need two credit cards from the same lender. My credit score was negatively affected by this unwanted and unsolicited credit inquiry. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: U.S. BANCORP
State: TX
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:
My Ex husband XXXX XXXX ownes this house and I haven't lived at this property since XXXX. He lives there with his New wife and kids. My Divorce decree confirms that XXXX XXXX should have refinanced the house in XX/XX/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 2022-06-15
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used Moneygram to transfer {$500.00} usd to my mother in XXXX on XX/XX/2022. {$500.00} was deducted from my bank, but was never received in XXXX. Moneygram gave me a receipt saying that the money was sent successfully and would be deposited in the receivers account. It has been approximately a month now and money still has not been received in XXXX. I have called Moneygram 8 ( eight ) times now, all they say is that I have to wait 90 days for a resolution. They say that the money is stuck in transfer and there is nothing they can do. I dont understand why they refuse to reimburse me. They tell me to call again in a few days for an update, but I just get the same answer again and again. My family in XXXX desperately needs this money to survive and I have no more to send. This is my familys lifeline, please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-05
Company: BB&T CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My initial complaint was filed with the FDIC, who forwarded on my complaint to you case ( # XXXX-XXXX ). I would like to clarify that this is not the first time I have been charged overdraft fees by BRANCH BANKING AND TRUST COMPANY. 

As I have often reviewed my statement on a daily basis, I noted that BB & T practices in " Misrepresentation of account balances and reordering of credits and debits to push customers into overdraft, allowing the banks to collect bank overdraft fees. '' I have noted that in reordering of credits and debits often occurs between XXXX-XXXX XXXX, when one is typically asleep. I have contacted BB & T on several occasions and explained this practice was occurring. Their operator has reported to me that that is just what happens. I have lost hundreds of dollars over the years to BB & T because of their reordering. I have often been charged, despite a credit coming in at same time ... but they conveniently reordered it so I would fall into overdraft. 

As a consumer I am tired of being robbed by this banking system and would like ALL of my fees over the years returned to me as factually, this practice is illegal. 

I have decided that from now on I will be recording ALL data that pertains to these " overdrafts '' and will be forwarding the documentation to you. But, I am sure that requesting data from their computer systems will clear this up, as it is clearly evident of their practices.

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 2021-04-14
Company: EQUIFAX, INC.
State: NY
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 a victim of Identity theft and have some fraudulent inquiries on my credit profile. I filed an Identity theft report with the Federal trade commission. I've attached it along with my identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
State: MD
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 debt posted to my credit report by XXXX in the amount of {$750.00} XX/XX/2020. I was not aware of it. But then it became derogatory in XX/XX/2020. They never sent me a debt incurred letter, They never sent an invoice. And they didn't send a collection letter. Upon further investigation, I realized this was a debt I disputed with the same company years ago. They could not provide proof and removed it off my credit report. It is unbelievable that they would dare post the same debt twice without fear of repercussions. I disputed the debt with the collection company via the CFPB platform who responded on here that they could not find my name in their system. But their address and phone number is what is posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX credit decision was based, " in whole or in part '' on a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I transfer from Chase bank to XXXX bank XXXX, for an amount {$250.00}, plus the bank charge of {$50.00} for the international transfer. The date that I made this transaccin was XX/XX/2020 at XXXX XXXX, This money its was gon na be available for the XX/XX/2020. Today Its XX/XX/2020 and the money is not available yet. I went to the Chase bank for complaint about this transfer and they told me to communicate with you. Please let me know what can I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
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:
After several attempts, Equifax and XXXX  will not remove a collection item from my credit report, causing a significant negative impact on my credit score. The issue is not a collection issue. It is a contract dispute between me and my former landlord. The dispute relates to the landlord 's failure to mitigate losses due to early termination of my lease and improperly using the security deposit to offset rent that is in dispute. 

Because Equifax and XXXX  have refused to remove this item from my credit report, I have been forced to file a lawsuit against the creditor ( XXXX XXXX XXXX ) which I attach and I am also attaching the latest investigation result from Equifax which has all the relevant details. 

Equifax and XXXX  must remove this collection item from my credit as it is not a collection issue, it is a contract dispute that is currently in litigation. 

In addition, I have tried to resolve the dispute with the collections agency, XXXX XXXX XXXX After several attempts, they also refused to accept that this issue is not a collections issue but a contract dispute. I had to pay the outstanding amount to limit the damage to my credit and then subsequently file a lawsuit against the creditor ( XXXX XXXX XXXX ) to obtain my money back and hopefully also to remove this line item from my credit report. 

Amount at issue is {$860.00}. The initial dispute arose in XX/XX/XXXX. The latest update from Equifax was received on XXXX XXXX, XXXX. Lawsuit was Filed on XX/XX/XXXX in order to show that this is a contract dispute in active litigation and not a collection issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: MS
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  has violated my rights 15 U.S.C 1681 section 602 A Stats I have the right to privacy. 15 U.S.C 1681 604 A section 2 Stats a consumer reporting agency can not furnish an account without my written instructions. Account Number XXXX XXXX, Account number XXXX XXXX, Account number XXXX DPT EDXXXX, Account number XXXX DPT EDXXXX, Account number XXXX DPT EDXXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX Account number XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card and phone was lost There was purchases on a crypto currency site using my card in XXXX When the first set of transactions posted they gave me a provisional credit and told me when the second set post call back to make a claim which I did and they denied me i reached out to the site where the purchase was done who confirmed that it was not done by me and told me to start a charge back in which thats the only way they can pay me back because its a crypto currency site and they have certain rules to follow

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a part of the Equifax security breach that occurred around X/X/17. My personal data ( social, DOB, credit history, etc ) is currently up for grabs by anyone associated with the hack. 

I have enrolled in the 90 day fraud alert, but have not enrolled in Equifax 's monitoring service ( it appears to waive judicial rights if you enroll ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
My account was debited on XX/XX/2022, without my permission. I have always went into the store location and paid on my loan. I have NEVER given ACE permission to debit my account. That was also marked on their application. I wasnt notified prior to them debiting my account and I have never missed a payment as scheduled. I do not understand why they went into my in the first place. I contacted my bank and they have stopped the card used with ACE, and are seeking a reversal of fees from them. I just want this all stopped and all fees I owed ended

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Experian Information Solutions Inc.
State: LA
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:
Filed letters and complaints on accounts that are not proven verified as being own by my and no original contacts presented

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