BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-22
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had been a customer of XXXX XXXX and on XXXX XXXX, 2017, I received a welcome letter from XXXX XXXX  as my loan was service transferred. I had been current on my payments with XXXX XXXX. When I found out about the service transfer, I called Regions bank to make a payment ; however, the representative stated that my loan had not boarded their system and that I would need to wait until I received a welcome letter. They also reassured me that I would not get charged any late fees. I would also informed not to make payments to my prior service ( XXXX ). Thus, I stopped my automatic monthly auto drafts to XXXX as I was going to setup automatic auto draft payments to Regions once the loan was boarded into their system. On XXXX XXXX, 2017, I received my first billing statement from Regions. The billing statement showed amounts owed for two payments ( XX/XX/XXXX and XX/XX/XXXX ). However, they also are charging me a NSF fee for {$30.00}, and there is no explanation for this fee. The {$30.00} fee makes no sense as my loan was transferred and I was not able to make payment arrangements to Regions. This is a poor way to welcome a new customer and is a deceiving practice and does not sound legally right. Please help in this matter. thanks 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 monetary relief
Consumer complaint received 2022-01-26
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX : XXXX Old Address : XXXX XXXX XXXX XXXX FL XXXX To whom this may concern, I would like to apologize for the debt that was accrued toward your business ( XXXX XXXX XXXX. Unfortunately, it was a crazy time in XXXX I had just split from the mother of my child and we weren't living together. 

I simply never received the debt notice that was sent to the home. Again I apologize for the debt not being repaid in time because my being unaware there was still an amount owed. 

Covid brought a lot of unnecessary hardship that I am still managing currently. If there is anything at all that may be done about clearing this paid debt it would be greatly appreciated. At this moment I'm in the process of finding a home and this negative mark on my credit is adversely affecting my ability to do so. Please help however possible. 

Thank you for your time and understanding, 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 2017-07-22
Company: ID Analytics, Inc.
State: MA
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 allowed for an auto loan at XXXX XXXX on XXXX XXXX 2017. I told them I only authorized their inhouse FI  to do XXXX inquiry on my credit report. I have since had XXXX hard inquiries. I 'm confused because my sales receipt states my FI constates I am with XXXX XXXX although I told them I allowed them XXXX inquiry they told my it was included in the XXXX credit check they ran. I received a letter today that states- XXXX XXXX  was NOT agreeable to the handling of the proposed transaction. Due to the report from the credit agency. XXXX Score XXXX. - due to Inquiries ( there were none prior to coming in that morning ) but no derogatory information found. SAGESTREAM LLC- score XXXX - due to no of inquiries Inquired did adversely affect score I have never heard of " SAGESTREAM LLc '' Credit Bureau '' so I looked them up. It said they are being investigated for giving low scores by auto financiers in order to give higher Financing Rates! '' Now- of this is the case- why is that the co I 'm told is the bank I 'm FI through- and got ANOTHER letter that stated " upon review, it was determined information was omitted " ... ... ... what is the scam that is going on. ... ... who is SAGESTREAM LLC credit Bureau and I want all of these hard inquiries taken off of my credit report, and this rediculious interest rate lowered NOW!

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
To many close accounts are showing missed payments in history. Because of this problem I can't get approved for other credit

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 2020-01-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have contacted USAA several times to let them know that there is a glitch in their system that is reporting the wrong location for zip code XXXX. Zip code XXXX is for a XXXX, however their system is reporting it as XXXX FL. they reported this information in my credit report and now my XXXX  account s locked. I spoke to the banking area and they tell me that I need website support I speak to website support and I am told that banking needs to fix it. they don't seem to understand that there is a glitch in the system that makes zip code XXXX appear to be in Florida, see my attachments to see what USAA is reporting and neglecting to fix. When I attempted to open a new account the incorrect address appeared in my USAA account. When I generate a direct deposit slip the incorrect address populated in to my direct deposit form. when traveling the USAA app shows that my home location is in FL. This is incorrect and USAA is reporting my address as in Florida and they are not willing to do anything to fix it. See attached USPS zip code look up that confirms that ZIP XXXX is not in FL.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I received a letter from XXXX XXXX in XXXX of 2022 informing me that the late payment on my credit report will be removed from all three Credit Reporting Agencies. However, its still reporting on all three credit reports.

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 2020-01-27
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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2022-01-26
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We went into forbearance with a mortgage balance of approximately XXXX. After we came out of 12 month forbearance, US Bank took our missed payments and just added them onto our principal. Our mortgage increased to almost XXXX. How is this legal? We did not take any money. Essentially we added 12 months to our mortgage. We do not know what to do.

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 2020-01-07
Company: AMERICAN EXPRESS COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I field my 2018 Mo. Taxes with tax act. I was supposed to get my Mo taxes on a American Express serve pre paid car. 
Well I still have not received a card with any money on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Trans Union ( " T.U. '' ) provides is providing different credit information regarding instant consumer to different creditors. Attached is a XXXX XXXX report wherein T.U. not only provides inaccurate information, but the information being reported in the XXXX XXXX report fluctuates dramatically without just cause. 1. T.U. has deleted the Bankruptcy dated XX/XX/XXXX from my T.U. credit report, but continues to report it to XXXX XXXX on my XXXX XXXX Account. 2. T.U. currently reports that 75 % of my payments are On-Time payment, but in XX/XX/XXXX, T.U. reported that 90 % of my payments have been On-Time. Of particular importance, my T.U. credit reports indicates that I have had NO late payments in nearly 24 months. 3. T.U. reports to XXXX XXXX XXXX XXXX that my oldest credit line is XXXX years old, when they previously reported that my oldest credit line was XXXX years old. Amazingly enough, on XXXX XXXX T.U. report my oldest line of credit is only 5 years old.
Trans Union is obligated to report accurate information. 15 U.S.C. 1681e ( b ) states that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. On information and/or belief, T.U. can not be following reasonable procedures to assure maximum possible accuracy if T.U. is sending disparate consumer reports to varying creditors, XXXX XXXX, XXXX XXXX and XXXX XXXX. Clearly this is lacking in each of the reports.

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 2022-10-03
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: TX
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I sent this letter to Transunion as noted on the letter on XX/XX/2022. I have to receive in the last 65 days any update or notice of the progression of this dispute. Today 's date is XX/XX/2022. In accordance to 15 U.S. Code 1681i - Procedure in case of disputed accuracy 2A. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

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 2022-01-26
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021 I submitted a Validation Request to XXXX, Equifax and XXXX with a copy of my license and proof of address on the following accounts listed below that are showing on my credit reports. I submitted the request because I am not aware of where the original debts came from and if they are mine. Some of the accounts reporting don't have complete account information as well. Then after not receiving a response 30 days later I re-submitted the letter dated XX/XX/2021. Now 60 days later I have yet to receive a completed investigation response from all 3 Bureaus. However, from XXXX Particularly I received a response which I have included for your reference stating they believe I hired a third party that is not authorized such as a " credit repair company '' or " credit clinic '' and therefore they will not process my requests, this is Ridiculous!! 
1 ) It's none of their business and or against the law!

2 ) There is NO law that states a consumer can not use a third party, so using that as an excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why their statement is so shameful. 
3 ) It is a Stall tactic. How can they assume that and or prove it and I know my consumer right and I know what the FCRA states and I wrote those letters myself they are just typed not handwritten! 

Accounts in XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX Acct # XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I would also like to add I have submitted a copy of my driver 's license, but it is not up to date on my new address, and I will be updating that today. I did include a page of my bank statement as proof of address. 

Thank you for your time and investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my checking account in XXXX 2019, due to 'suspected fraud activity '. It happened after the check I deposited was returned by XXXX. Bank of America also sent negative reports to reporting agencies and charged me {$24.00} returned check fee. However, all this was caused by XXXX mistakes as they did not activate the check feature and I have already complaint to XXXX about that. This is not a fraud. I did nothing wrong and this is not fair to me.

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 2022-06-12
Company: EQUIFAX, INC.
State: LA
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:
Credit Reporting Agency-Equifax has increased credit card balance for XXXX? Balance was previously reported correctly by credit card company as {$400.00}. New balance has been updated to {$850.00} which is completely incorrect? Credit card has not been used since last 2 statements. Issue with credit card limit increase from {$3000.00} to XXXX has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
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 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 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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 have XXXX credit inquiries that I dont recognised nor authorised. 

1. XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX DC on XX/XX/XXXX 4. XXXX XXXX XXXX XXXX on 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 2019-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX law firm pc has not been contacting me via telephone I have provided to them. They have been calling my mothers home every other day. On XX/XX/2019 I received a call on my mothers home phone from XXXX XXXX XXXX I answered & they hung up. I then received a call on my cellular phone I answered & they hung up. Under the law for consumer protections I have rights that clearly state a debt collector, attorney, has to make a reasonable attempt at communicating with me about this debt. This law girl has not done that instead they have submitted for a writ if garnishment to the court & have not made any attempts at contacting me. Ive not received any letters asking me about this debt. No reasonable calls even when I have attempted to try to pay the debt. I feel like my writes have been violated & this requires an investigation. I will also file a complaint with the State of Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
COMMONWEALTH FINANCIAL SYSTEMS placed me in collections with no notice, letter, or phone call on XX/XX/XXXX for a medical debt that someone opened under my behalf in XX/XX/XXXX. This debt did not belong to me and I provided the company with the fraud affidavit and they removed the Collection from my credit report and closed the account. I spoke to a representative from the company in early XX/XX/XXXX which also confirmed this. This company is now criminally diminishing my credit after they were given all the documents needed and after they agreed to close the fraudulent Account. I now want consumer finance to step in and the Federal government to investigate this company. There is misconduct going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Tribal Lending Enterprise, Inc.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
To Whom It May Concern, I was looking on XXXX for a loan to cover some educational expenses ( I am in XXXX  school ) and have reached my federal loan limit. I applied to and was accepted to " XXXX ''. I read the fine print as it was stated only to be stunned that when I was " approved '' for the loan the information returned was not consistent with the original agreement. I was approved for a XXXX dollar loan and the returned information that was falsely returned stated that I was responsible for an interest rate of : " 894.8297 % '' besides being a decimal point, it is a violation of the " Usary act '' to charge this amount of interest. Additionally, it stated I incurred a finance charge of " {$2800.00} '' ( for a XXXX dollar loan ) and a total amount of payments of " {$3700.00} ''. This is insane! I am going to my bank tomorrow to close the account for good. I am calling this company tomorrow to indicate that I want to return the loan in full immediately! Furthermore, this arbitration agreement states the company is " Silver Cloud Financial , Inc. is an economic development arm of, wholly owned by, and controlled by the XXXX XXXX XXXX XXXX XXXX ( the " Tribe '' ), a federally recognized and sovereign XXXX XXXX XXXX Tribe. This means that your loan is provided by a sovereign government, and the proceeds of the business fund governmental services for the members of the Tribe. ". I am not a XXXX XXXX and this surely can not be legal.

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