BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-15
Company: Early Warning Services, LLC
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I requested a report from Early Warning because I was not able to open a bank account when I move to XXXX. I just gave up since I could not get any assistance from anyone. I moved back to XXXX and was told by another bank to call Early Warning and not to quit. Finally I receive help from someone from Early Warning months after receiving the report explaining what I needed to do concerning the information reported to them by XXXX XXXX XXXX. I discovered that XXXX of the incident reported by XXXX XXXX XXXX had been removed and I only needed to dispute the 1st complaint listed on the report by XXXX XXXX XXXX because the 2nd issue listed by them had been remove. The third issue from XXXX is being resolve now and will be remove. But my complaint is that I did call XXXX XXXX XXXX and unfortunately did not get the name of the individual I spoke with because that told me they did not have to send me anything or prove anything. So my next step was to dispute the information place on my file by XXXX XXXX XXXX with Early Warning. I finally called them to ask why I had not heard from them and they told me they had sent the reinvestigation results to XXXX even though I explain that I no longer live in XXXX and all information should be sent to my new address in XXXX. I finally received the letter from Early Warning stating that the information file by XXXX XXXX XXXX was accurate. If I did not agree with this that I had to write a rebuttal and they would then furnish a copy of my updated report and rebuttal to all parties who have received a copy of my file during the preceding two years for employment purposes or six months for all other purposes. Then they would also provide me with a copy of the reinvestigation procedures plus contact information to gather further information. When I tried to call the number provided they told me they were not allow to discuss over the phone. What I do not understand is I sent a dispute in writing explain why I did not agree with the information place on my file by XXXX XXXX XXXX? I requested that the information be investigated and proof be provided by XXXX XXXX XXXX. Why would you send a letter to me telling me the information is accurate and if I want further information I have to request it. I need the assistance from the Bureau of Consumer Financial Protection to assist me in getting the information file by XXXX XXXX XXXX off of my file with Early Warning or proof provided by XXXX XXXX XXXX and Early Warning be provided to me that what is on my file is accurate. It is hard to trust the procedures that are required of an individual to submit through Early Warning when you hear that this company was establish by XXXX XXXX XXXX and a few other banks. Your assistance is appreciated. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Regions Mortgage is not reporting correctly on several if account. This account is not in the wage warner plan. The balance is incorrect, last payment date is incorrect. 
REGIONS MORTGAGE XXXX XXXX XXXX XXXX, MSXXXX ( XXXX ) XXXX Account Number : XXXX Status : XXXX Account Owner : Joint Account High Credit : {$200000.00} Type of Account N/A Credit Limit : Term Duration : 20 Years Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$160000.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$0.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$2000.00} Scheduled Payment Amount : {$2000.00} Date of Last Activity : N/A Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : XXXX Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Conventional RE Mortgage Date of First Delinquency : 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 non-monetary relief
Consumer complaint received 2017-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
All loans have been paid & closed

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 2020-12-08
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2020 I received from Barclays Bank a promotional offer for my XXXX XXXX credit card. ( Email of the offer is attached as a file : ATTENTION : Upload function does not work on your website. ) It offered to transfer up to 90 % of the customer 's available credit line either as a balance transfer or as a deposit directly into the customer 's bank account. 

I subsequently set up a transfer from the card to my checking account on the Barclays/XXXX  XXXX website. 

Shortly after making the transfer, I realized that I had transferred into my non-preferred checking account. 

I called customer service and asked if I could cancel the transfer and re-institute the transfer to my preferred checking account. The customer service representative assured me that that would be no problem. I only had to wait 24 hours to re-do the transfer. I asked several times for her to reconfirm that I could subsequently make the transfer and was assured that it would be no problem after 24 hours elapsed. 

I waited 24 hours and then attempted to make the transfer on the Barclays/XXXX XXXX website but it blocked me from making the offered transaction. 

I called customer service for the account and was told that because I had cancelled the first transfer that the offer was no longer valid. They told me that the customer service representative had given me incorrect information. 

This situation is no fault of my own. If I had known this would be the result I would not have cancelled the initial transfer and let the funds go into my non-preferred checking account. 

Please ask Barclays/XXXX XXXX to correct this unfair situation.

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 2020-12-08
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
My credit score dropped from XXXX to XXXX with no changes in balances. It is definitely a issue that seems to always revolve.

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 2022-03-22
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I dont know how many times i have to inform these companies that they have me missed up with someone else. I think someone has been using my information for their personal gain and i need my report cleared. ive called each company and asked for the original paperwork and neither was able to provide them and this was back on XXXX XXXX. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/2020 Account Balance : {$140.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/2020 Account Balance : {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I received a copy of my credit report and found the following items to be errors and incorrect.

I did not apply for credit with your company or bank.

The inquiry needs to be removed immediately from my credit report.

Cap One Inquiry from XX/XX/XXXX The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

The following credit inquiries are related to none of the fore mentioned permissible purposes. I did not apply for credit with your company or bank.

The inquiry needs to be removed immediately from my credit report.

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

I have exhausted all other options for correcting my credit report, and the CRA still wont fix the error or errors. I am in the process of talking to a consumer law attorney who can me enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Vanderbilt Mortgage Finance is collecting too much for escrow which in turn makes my required payment much higher than it should be. Given the amount of tax and insurance, the amount with two months cushion should be {$520.00} and they are charging me {$570.00}. They are also charging me a duplicate tax bill fee which I contacted our tax collector and they stated that this fee should not be passed on to the homeowner as they send the original bill to the lender. I am attaching my escrow information along with the email the tax collector sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: AZ
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 was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries XXXX XXXX  Inquiry Date XX/XX/2020 ; XXXX  Inquiry Date XX/XX/2020 XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX  XX/XX/2020 The following address needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX & the following account XXXX XXXX XXXX Balance Owed : {$8500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$390.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$1000.00}.

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 explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: AZ
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 was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries XXXX XXXX  Inquiry Date XX/XX/2020 ; XXXXL Inquiry Date XX/XX/2020 XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 The following address needs to be removed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX & the following account XXXX XXXX XXXX Balance Owed : {$8500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$390.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$3800.00} ; XXXX XXXX  XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am currently making payments to Automobile Acceptance Corporation. After falling 31 days behind on my payments the unit was placed out for repo. Prior to this occurring their represents called my phone 3 times a day even after I told them when I would be able to make my payment. They even sent emails to a family member regarding my loan They called after I made arrangements. They also contacted my relatives everyday. After the vehicle was place out for repo, a representative contacted my cousin and refused to identify himself. He made threatening statements which included that Automobile Acceptance Corporation is seeking a warrant for my arrest. They disclosed my personal information withour verify who she really was and threaten to take me to jail over a debt. I contacted Automobile acceptance and the rep refused to let me speak with a supervisor. They kept transferring me to the repo department which never answered the phone. The line would go straight to a voicemail. I called back and advised the rep that I just needed my account number to make a payment. I was told that they could not give me teh account number unless I spoke with someone in the repo department ( whom never picked up the phone ). I am filing a complaint for disclosing my personal information, making threats to jail me for a debt and refusing to allow me to make a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hiya, I've attached my Identification ( Driver 's License ), exhibits and complaint in the document attached to this complaint. 

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
Consumer complaint received 2022-03-14
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had an account with MACYS department store. My account was used as a case of identity theft in Georgia for charges exceeding over {$1000.00}. I called Macys and reported the charges and they stated they froze my card, the following day my card was used again in Georgia and more charges were added. Macys stated that even though I called and reported the fraud on my account it takes up to XXXX hours for a freeze to be placed on my account. While my account was under investigation for these charges ; Macys advised me I would not be responsible for making payments since charges were not mine. After almost XXXX months the investigation was finally complete and I never received any information on the outcome of the investigation and Macys charged me based off the fraud charges on this account. Ive tried communicating with MACYS on multiple occasions and all they did was continuously transfer my calls to multiple departments. This account is inaccurate and charges are inaccurate.

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 2020-10-28
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted this company via mail in regards to a letter I received about an alleged debt. I asked the company to verify the debt. However, the only response I received from the company was a copy of a bill. To my understanding, this is not proper validation as per FCRA and FDCPA. I never did business with this comany.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-26
Company: REGIONS FINANCIAL CORPORATION
State: AL
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:
Regions Bank took money out of my savings account to cover an overdraft fee which my daughter incurred. The company stated because I am listed on her account that they can go into my account and take any fees due if she does not pay for them. I am not happy because I was made aware of this after the fact of Regions Collection going into my savings account and taking money out without my authorization. I feel like a victim of Identity Theft. This is a policy that should be changed. No one including Regions Bank should go into my accounts and take money out without MY AUTHORIZATION,

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 2020-03-13
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted AD ASTRA RECOVERY SERVICES on XX/XX/2020 regarding my outstanding balance with XXXX XXXX and they advised me that they have not had my account in years. They referred me to XXXX XXXX XXXX, Receiver because there was a judgement against me for this and XXXX XXXX was the appointed receiver. I came to a settlement agreement with them and paid the settlement amount. I then disputed the inaccurate reporting and AD ASTRA RECOVERY SERVICES " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. '' I have attached a copy of the release of judgement and also included that in the original dispute. This has caused me extreme mental, physical and emotional anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: EOS Holdings, Inc.
State: VT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
EOS-CCA is illegally trying to collected a debt in a state that they are not registered to do business in. Per Vermont 11A V.S.A. 15.01.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been getting charged {$36.00} for NSF OD fee by Regions bank in the amount of {$250.00} in the last month from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I called them and they stated that I opted in however I never did this. If I had a XXXX balance I should have been declined however the bank stated that they would cover transactions up to {$500.00} and for ever charge with insufficient funds they would charge me {$36.00}. I stated I never signed or agreed to an opt in and they wo n't refund me back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-12
Company: MRS BPO, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collection agency calls me everyday about XXXX times a day. I would like them to stop and send me written correspondence. 
The number to this agency is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Multiple letters have been sent out to Equifax Credit Bureau. Both entities have failed to respond and provide validating information in regards to the collections that are being incorrectly reported as well as inaccurate. I have already clarified my intent to pursue both this complaint and legal action towards the following accounts which were brought to the bureau 's attention : Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: FL
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 XXXX Account #, XXXX has violated my rights.

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 reporting agency can not furnish a account without my written instructions 15 U.S.C 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 non-monetary relief