BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-24
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Regions Bank as the habit of going back on policies described as ways to either prevent one 's account from receiving overdraft fees or reimbursement for fees imposed and the given excuse is always processing. Example one : regions ' policy is that if you have a negative balance at the start of business, usually XXXX, and if by the close of business ( XXXX pm ) you have brought your account to a positive status you would be able to avoid transactional overdraft fees of {$36.00} per, for overdraft transactions posted to your account. However, you may bring your account to a positive status by the close of business for the transactions " posted '' to your account but then while processing transactions overnight you may still wake up to a nsf fee imposed for any additional transactions that was posted overnight that was not visible to you. My argument to them would be that I brought my account to a positive status before XXXX, they would acknowledge this but then say that a merchant presented a debit that was processed overnight. I would argue that this was not visible to me thereby denying me the time to cover it and that that transaction should be forwarded to the next business day since it didn't make it to the close of business by XXXX and I have no way of knowing or covering what is posted overnight. Example two : if I wanted to stop or revoke an ach payment authorization while it's still pending to my account I'm unable to, I have to wait 'til it's posted before I can do either even though I know I will be overdrawn because I have several transactions that will be automatically drafted that will overdraw my account and I would receive a fee for each transaction but they tout that each transactional fee will be refunded after the request is submitted. They do not abide by their own policy and have not and will not refund me nsf fees in the amount of {$100.00} dollars for a payment authorization revocation I submitted on XX/XX/2025.

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 2021-08-29
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. These items need to be removed immediately. These inaccuracies are highly injurious to my credit report. It is causing me much distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
getting multiple calls. I have already paid the due amount to the concerned party, told them the same and " asked them to stop calling ". The lady on phone said we will continue to call, when i said i will block your number, she said that we will dial you from other numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
starting sept. XXXX I received the statement of my account ending XXXX and I notice {$700.00} draft on my account on XX/XX/XXXX with the following detail " withdrawal in branch store. then I went to the bank and explain the manager that I did not draft this money. The bank manager told me he will open an investigation for the case and he also told me that I was the person who draft the money I asked him to show me the receipt which should contain my signature he said the bank has the receipt but they do not show me the document. Then I went to other teller and she show me a {$700.00}. receipt with not signature. I want to anticipate that my information including my driver license is on file at Wells Fargo bank since XXXX and when the teller open my account they have my information this pattern of withdrawal has been used by this bank to deplete my account on priors dates. If the bank said they have the receipt on its own I have right to read the document and agree or disagree.

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 2020-03-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
0 % balance transfer on $ XXXX on AMEX EveryDay Credit Card. Called several times and told refund interest will be paid to account on XX/XX/20 and XX/XX/20. XX/XX/20 told will receive {$150.00}. XX/XX/20 told no interst to be refunded for determined not qualified. XX/XX/XXXX told by supervisor not qualified would not present evidence or documentation and would not refund interest charge, event though recommended by AMEX to open card for 0 % balance transfer and card is advertised as 0 % balance transfer card. Told him closing card and paying card off less interest and filing complaint with FTC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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, 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.

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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

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 2016-02-19
Company: Risecredit, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
applied for a loan not seeing the payments go down on paying on a XXXX dollars loan for almost a year. XXXX a month. Times XXXX {$500.00} per month. 
currently interest rate is 198.15 %. military lending act only goes up for service member up to 36 % please any assistance would be appreciated. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Army and Air Force Exchange Service
State: FL
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:
XXXX Started to garnish my income tax for a debt i do not and could not owe. i ask repeatedly for proof such as signed receipt or invoice with my signature or info for said debt. with no reply, still they continue to garnish mine and my wife 's income tax refund.The debt is no report to the Credit Bureaus due to lack of documents to validated their claim, and was removed from all XXXX Bureaus as a result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Eltman Law, P.C.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from XXXX claiming that I owed a large debt to them and they obtained a court levy to garnish my wages. I sent a request to them asking for proof of the debt and all I received were court papers and a listing with my name and a judgement dated back almost 20 years. They did reply with the original creditor name but no proof as to what the debt pertained to or was for no details for me to verify. And the paperwork from the court said there was a court date that I did not show up to but I never received any notice of a hearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: Gatestone & Co. International Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I have been contacted by this number on several occasions regarding an XXXX XXXX XXXX bill that I owe. While I know the debt is legitimate and have all intentions of paying it off as soon as I can, I do n't think the caller should have the right to talk to someone so rude and disrespectful like they have been to me. When they call they ask for me by name and want to verify my address, I will ask them for their company name and they will not disclose it. The next time they called they did but did not state who they were or anything. When I asked who I was talking to and what company they were with, the lady got extremely rude with me and very argumentative. The person I talked with was XXXX XXXX. They talk very vague and almost come across as a scam. I will NOT be paying my debt thru them but I will pay it thru XXXX XXXX XXXX which is the original party to whom I am responsible for paying. Their debt collectors [ the rude company ] need to learn to show respect to their callers versus being rude and ugly to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-29
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The Complaint that I have is with TRIDENT ASSET MANAGEMENT. Over the last 4 months I have requested validation on multiple occasions for several debts that are listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with TRIDENT ASSET MANAGEMENT. I have not received anything that I requested and it still listed on my credit report from all three of the Credit Reporting Agencies. 

Please Help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-31
Company: EZCORP, INC.
State: FL
Product: Payday loan
Issue: Can't contact lender

Complaint:
I applied for a payday loan 10 years ago some agency calling on behalf of Department of Investigations called my friends and family members threating that I was going to be arrest for fraud and larceny. This particular payday loan has been consolidated from my previous bank resulting in my checking account being charged off I have all documents but this agency harassed me for {$420.00}. She told me she was forwarding my information to an prosecutor and that I will be locked away for federal charges. Their number is XXXX..please stop these people from harassing me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: Army and Air Force Exchange Service
State: GU
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested for a monthly statement from XXXX XXXX to present to verify amount Military Star Card is billing me. No statements were send, but, was informed to pay the amount of {$6100.00}, or the balance unpaid will be turned over to a collection agency.I have never used the Military Star Card since XXXX XXXX, I paid off the Take It Home Card in XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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, 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2022-03-24
Company: Mr. Cooper Group Inc.
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for an FHA Covid Loan Modification in XX/XX/XXXX by my lender Mr Cooper and the last step in the process was to sign the Loan Modification documents. I notarized and sent the documents XXXX  times between XX/XX/XXXX and XX/XX/XXXX and they were rejected each time with no clear explanation on why it was rejected. The XXXX  time I was told I had to write my name not sign it and the other XXXX times I had no idea why it was rejected. I called in each time and the representatives also were not sure either. I kept repeating the process and kept notarizing and sending back whatever document they sent and it kept getting denied. Finally on XX/XX/XXXX they denied my FHA Covid loan modification because they could not get the completed documents back from me. I was told that the documents had expired. This had left me in a limbo because they have denied my FHA Covid modification and will not take any payments. The whole process has been confusing and overwhelming and there was no clear directions other than writing and not signing my name the first time. If i had known they would cancel the modification I would have have just used their notary. I was been cautious because I have an elderly mother living with my and did not fell comfortable with a stranger coming to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Pathfinder Credit Services
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XXXX of XXXX, Fl, I got this loan in XX/XX/XXXX and I was promissed a good frame time before I started making payments, I have to mention that I have n't been able to work steadily, and therefore not making payments.A few times I asked XXXX to at least accept small installments, instead they sent my account to a collection agency ( Pathfinder ) I have been in contact with this collection company, but they do not accept minimun payments and all they do is make phone calls to make threats to use their legal department if I do not pay what they ask for, Pathfinder has inflated my original account by adding high interest rate, i was not aware of.On XX/XX/XXXX I was call call by XXXX whom made threats of legal action after i recuested that i needed to see the original statement from XXXX, since the account is getting bigger and bigger.I want to stop them to call me and to harras me or intimidate me arguing that and I quote '' is a tactic for not paying '' as per XXXX, I was not informed by XXXX that my account was in Pathfinder 's collection.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was never informed of the existence of this account. The original debt is not in my name. I never authorized this. It was a medical bill for my daughter. My wife is the insurance carrier. I never agreed to any payment and I never was aware of this at all. Somehow this collections account ended up on my credit report. It has since been paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: SC
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, 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: MO
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:
This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) XXXX, EQUIFAX, and XXXX are require to remove any items which were opened without my knowledge, consent or authority. This complaint is to question specific records in my document coming about because of the wrongdoing of BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX  XXXX XXXX : {$470.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: EQUIFAX, INC.
State: TX
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: Didn't receive services that were advertised

Complaint:
TO REMOVE THESE ITEMS These accounts and inquiries aren't mine, I contacted the companies several times I was told these accounts and duplicate inquiries were removed and I still see them! 

ACCTS ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX/XXXX  not mine - fraud Exceptional payment history Account Info Account number XXXX Account number XXXX XXXX XXXX Account status not mine fraud Date opened XX/XX/XXXX INQURIES ... ... ... ... ... ... ... ... ... ... ... .... 

XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX DUPLICATE Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX DUPLICATE Finance other than personal Inquiry date : XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX NOT MINE SAID THIS IS FROM 19 YEARS AGO, SAID IT WAS REMOVED BUT I STILL SEE IT!!!

Company response to consumer: Closed with explanation