BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX -XXXX XXXX XXXX -XXXX XXXXXXXX XXXX XXXX -XXXX  XXXX -XXXX XXXX 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 reporting agency can not furnish an 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 2022-04-24
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights XXXX XXXX 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. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2023-08-16
Company: PNC Bank N.A.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXXXXXX XXXX XXXX  I paid {$1100.00} for a hair unit and installation of said unit. Just a day after the unit began falling apart and coming off my head so I called the merchant and asked for it to be fixed or for me to be refunded so they tried to fix it, however it was doing the same thing again the day after it was supposedly fixed so I asked for my money back because the product, service, and merchandise was not as described and the merchant refused. So I then filed a dispute with my banks under the products/services received were not as described, however pnc bank denied this dispute multiple time stating that the transaction was authorized and not fraudulent however I didnt dispute is as fraudulent I disputed as the product/service I received was not even close to what I was told it would be. However pnc then took my account negative XXXX dollars due to this transaction, then closed the account and has turned me into a debt collector. 
I never got my money back and I have a collection now because of their lack of honesty and commitment to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I contacted Rocket Mortgage ( aka Quicken Loans ) to inquire about obtaining an FHA Cash Out Refinance Loan ( it would be used to pay off a Federal Tax Lien, debts and home improvements ). I would deliver over several days by e-mail to the loan servicing agent all requested information after receiving his verbal delivery of potential FHA approval. After several days and his directive to change document submissions from his corporate e-mail to his personal email ( he conveyed often documents did not go through/transmit properly ). He advised I would not be approved for an FHA loan. I would have to obtain a conventional loan. He stated it was due to the fact I had a Federal Tax Lien ( he had been delivered payoff documentation from the IRS by fax ), which did not appear on my credit report. Because of the Federal Tax Lien did not appear on my credit report I would then be subjected to what was called XXXX payments. A requirement the FHA applicant should have one full payment of mortgage loan principle and escrow ( principal, taxes, insurance ) in reserve/savings. I did not currently have that in my savings. I contacted XXXX ( XXXX ) to confirm the lenders policy. I was advised it was not within their guidelines. I also researched through XXXX and found out Tax liens won't show up on your credit report. That was due to the credit bureaus deciding in XXXX of this year ..tax information would no longer be provided ( due to a creditors ability to find out the information through public records etc. ) I was sent an email conveyance which I forwarded to the loan servicing agent. He later would respond it was his lenders preference in accordance with our government condoned fair lender policy... basically a lender overlay ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company has done nothing but harass me over a debt with XXXX they believe I owe. I got a new XXXX, had the plan for a month and got the shut off email ( which I still have and will attach- notice the year, its XXXX  ). One month of service with XXXX just wasnt affordable for me and I closed the account. I got countless intimidating letters from attorneys threatening to sue me. Ive been dealing with this company textbook harassing me but now this, its just the straw that broke the camels back. They put actual lies on my credit report, under MY name. All of a sudden the account is open? HOW MANY TIMES DO I HAVE TO CLOSE IT. Not to mention its a completely different year as well. I have disputed this collection on my credit report so many times and I know Im not being treated fairly- nothing is being done. I refuse to sit here and let this bully of a company put literal lies about me. Also shame on XXXX and XXXX, who couldnt investigate this effectively the first time. The bottom line is they turned my service off a month after I got the plan and continued to charge me month after month for service I was not receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2023-08-16
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-19
Company: National Credit Adjusters, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I have sent multiple notices to National Credit Adjusters requesting verification/validation of the debt with no correspondence. The original furnisher was XXXX and purchase by NCA. Also NCA does not have a license to collect a debt in the state of Louisiana, which is state law. National Credit Adjusters is refusing to send me information that I request which is also illegal under the FCRA Act. I will attach all of the notices that has been sent to National Credit Adjusters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive been getting phone calls about this debt nonstop asked if they can stop calling the number because I never authorized anything. mailed out letters to me stating an amount that was owed and they sold this debt to a third party and would have to pay. phone calls through out the night or after regular business hours. Very rude

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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: Investigation took more than 30 days

Complaint:
I have filed an dispute in regards to the incorrect items on my credit report and it has been well over 30 days and I haven't received any investigation results

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 2022-06-24
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I was late on payment this month and received SEVEN calls in one day. I have also received 2 calls in the past hour alone this morning I has a similar situations with them last year and i told them this is harassment and a violation of consumer protections in debt collection. This many calls impedes my work and is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed randomly and without warning. 

I contacted the Risk Department ( XXXX ) and spoke to XXXX XXXX, who apparently was having a bad day. 

Upon speaking to XXXX XXXX, I was told that a check was mailed out with the remaining balance in my account. I ask XXXX XXXX if she could place a stop payment on the check, reissue the check and have it mailed to an alternate address. XXXX XXXX angrily replied, " we don't do that unless your check was lost and it won't be considered lost until at least 30 days ''. 

I asked " well do I need to get an attorney involved? '' XXXX XXXX responded " when you sign the disclosures with the bank you agree we can close your account any time for any reason and youre mentioning an attorney - good XXXX luck '' and she instantly hung the phone up in my face. 

Stunned, I proceeded to call back. XXXX XXXX answered the phone again and said " XXXX XXXX XXXX '' before hanging up the phone again. 

I called back yet again and was greeted with " Stop XXXX calling this phone! '' Before being hung up on yet again. 

In a final attempt I called back and was greeted yet again with " XXXX XXXX, XXXX XXXX XXXX '' before XXXX XXXX hung up the phone again. 

Im not sure why XXXX XXXX was so upset but I'm flabbergasted at the way she spoke to me and I will be pursuing legal action.

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 2023-08-16
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I deposited a check in the amount of XXXX yesterday in the drive thru. I gave the teller the check and a deposit slip. I was given a deposit slip receipt. The XXXX was NOT put into my account and MY account was DEBITED XXXX. I was told the problem was a teller mistake and would be corrected by XXXX XXXX. My account has not been credited in any way. I have spoke with the branch manager who states there is nothing she can do except create a ticket. I feel the bank should at least credit my account for the withdrawal that I did not give permission for.

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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account : 1. XXXX XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer

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 2022-04-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In the month of XXXX in XXXX, I discovered that Equifax had published several unauthorized items on my consumer report without permissible purpose. I sent a dispute letter to XXXX on XX/XX/XXXX via USPS Certified postage. They NEVER responded to that dispute letter! 

These blatant actions that the Executive Officers of Equifax clearly condoned have caused me loss of business relationships, XXXX instability, XXXX and XXXX XXXX due to public embarrassment and shame by my family who mistakenly opened and read my mail, ( due to a similar name ) discovering these several unauthorized items on my consumer report published without permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In 2020, I made a purchase of a jackpot with the financing provider of XXXX XXXX XXXX, in which due to the COVID19 pandemic, I was affected by not being able to pay the fees of that jackpot.

This account was then paid in full along with the outstanding interest and when I call the agency request that please this negative account that appears to me as a collection in my credit report, request that it please be modified or deleted since it negatively affects my report but the company as such does not affect it.

I understand that the accounts can take several years to reflect but the information they provide to the transunion company is inaccurate and incomplete so I kindly ask that it be corrected and deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: WELLS FARGO & COMPANY
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
I am entitles to at least XXXX from wells Fargo for a repossession and I have not gotten it

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 2023-12-14
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Previously XX/XX/2023 conversation paypal and XXXX  from paypal. I'm upset of current decision. I understand the transaction was processed correctly from xoom, but I have not received any communication from the seller. 

This lack of response is terrifying, and I feel uneasy about the transaction. I am requesting a refund to address these uncertainties and ensure a satisfactory resolution. In the future, I will be more aware of potential risks. I apologize for any inconvenience caused and appreciate your guidance moving forward. We are asking refund {$3000.00} in check whatever. I can not have more risk at all my PayPal account. The user who caused me scamed to me is XXXX XXXX. This is very important to me for XXXX of safety. 

Issue : Will not issue me refund. Paypal or XXXX  from paypal is not doing their job protect safety. 

Respectfully, Consumer user XXXX

Company response to consumer: Closed with explanation