BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I previously had three savings accounts that were with XXXX, but XXXX was bought by XXXX and my accounts were converted to Citizens. The accounts were then set up on a weekly withdraw from another bank, so that I could build up my savings, but unfortunately XXXX never communicated to me that they would be taking my savings and applying it to a previous debt with them, which was deception and fraudulent because : 1 ) In 2016 I filed Bankruptcy with the Florida XXXX XXXX XXXX XXXX ( case number XXXX, and it was approved by the courts, before it was approved, Citizens was invited to attend the meeting of creditors, but didn't show up, nor did they offer any objections, none of the creditors objected. At this point, Citizens have violated my rights under XXXX XXXX and in addition to taking all the assets from my three accounts with them, they also forced me to pay {$36.00} to XXXX XXXX  to block them from taking additional funds, after I spent nearly two hours on the phone with their reps getting no where fast. I appeal to the Consumer Protection Bureau to rectify this matter, and to also prosecute XXXX XXXX  for violating my rights under XXXX XXXX, in addition, XXXX XXXX XXXX the CEO of Citizens should be charged with enabling fraud, it's under his leadership that Citizens has overstepped their boundaries and fraudulently taken funds that should not have been taken due to the XXXX XXXX filing. In 2016, XXXX had the opportunity to challenge my bankruptcy hearing, they choose not to attend, that is not my burden. I want all funds returned to me by check, I want to be reimbursed for the {$36.00} from XXXX that I had to pay because their Customer Service refused to close the accounts. In addition, I believe XXXX XXXX XXXX should be charged with fraud, he is the leader of this shady operation, and the buck stops at the top. I consulted with my lawyer from the bankruptcy, XXXX XXXX, he said what Citizens did was an infringement on my rights under XXXX XXXX. I expect either the CPFB, or FDC to fine Citizens for this action. I want my money back, and I dont want to deal with their incompetent Customer Service . It's time to lock crooks like XXXX XXXX up, they have ne regards for the laws of the country and do as they please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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: Investigation took more than 30 days

Complaint:
I sent XXXX and equifax and also XXXX a detailed police report to make them aware I was a Id theft victim for XXXX  XXXX and XXXX XXXX  XXXX I mailed them a police report and I emailed them a police report there investigation failed to remove the id theft account from my credit report creating hardship for me obtaining credit my score was good before all this I have been fighting with credit bureaus for over 3 months to fix this and they are in violation of fcra for not removing the Id theft debt after I produced a police report for XXXX XXXX and XXXX XXXX accounts and inquiries on my credit report Im asking these agencies to please remove this permanently off my account so I can get on with my life XXXX XXXX was removed once before than added back XXXX failed to investigate and put a pending satus on my report instead of full removal and its been past 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to convey my profound DISSATISFACTION with your recent assertions concerning my accounts. I am REJECTING these claims due to the absence of any substantive facts or evidence supporting your allegations. Therefore, I strongly encourage you to promptly initiate a comprehensive inquiry into these matters. I demand that you expeditiously challenge these accounts and furnish me with well-documented evidence substantiating your stance. Failing to do so will leave me with no alternative but to pursue legal action to safeguard my rights and rectify this matter. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-11-01
Company: Experian Information Solutions Inc.
State: MN
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:
Firstly the whole reporting needs to be updated as information is not accurate throughout the month. 

If Ive made payment, it should be immediately reported to credit bureaus so as record can stay consistent. 

XXXX XXXX HAS BEEN CLOSED, the information should show {$0.00} balance as those charges were residual interest which Im not responsible for- if reporting were done at time of payments my record would show this. 

XXXX XXXX is on Suspension- will be contacting to request removal of interest or will close account. 

I believe correct reporting same day would be improvement and to the advantage of clients. I suggest a mid month and an end month reporting cycle -would be more accurate information

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 2023-08-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 3RD '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: AR
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the itemsXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX 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 2020-10-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) PORTFOLIO ( XXXX XXXX  ) ACCT # XXXX ATTACHED LETTER 2 ) XXXX XXXX ( XXXX XXXX XXXX   ) ACCT # XXXX ATTACHED LETTER 2 ) XXXX XXXX XXXX ( XXXX XXXX XXXX ) ACCT # XXXX ATTACHED LETTER This month the FTC, and XXXX XXXX XXXX XXXX have announce Nationwide Crackdown on Abusive Debt Collection Companies. 
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). 
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. 
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the XXXX for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. 
Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
have received a XXXX XXXX fee on my account, but payment was made on time. I receive ( 2 ) Statements from the same loan, but different payment addresses every month. I would make a payment to XXXX, and the payment would be redirected to XXXX. XXXX XXXX VIN XXXX, I have sent in ( 4 ) Letters requesting to look at the 30 days late and verify the documentation from XXXX  XXXX, which shows I was not late on any payment. No receipt was received or acknowledged. I hired XXXX XXXX  XXXX and a letter was sent on my behalf to the Credit Bureaus and Lender. I received a letter back from XXXX, stating I could NOT use an attorney to represent me but had to write myself, which I had done in ( 4 ) letters. I contacted XXXX # XXXX and XXXX XXXX who also failed to acknowledge the problem and even review the documents. XXXX has refused to allow me to counsel in this matter. Per XXXX has assigned the case to the Special Collections Department, which has been done on ( 3 ) separate incidents. XXXX can be contacted at XXXX Per XXXX, another review is 48-72 hours. Incorrect information was given that the loan was confusing because ( 2 ) Statements were sent with a different address and the XXXX XXXX XXXX did not inform the client of the client of the address change. As per the letter from XXXX XXXX, the account was in good standing. The investigation took longer then 30 days and XXXX did not respond to the Law Firm. Letter attached within a timely manner, as a Power of Attorney is not required per the Law Firm.

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 2020-06-10
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I submitted a payment of {$900.00} to my mortgage company. They proceeded to use {$410.00} for unpaid escrow fees and then THEY decided to put the remainder of the funds towards my principal balance. That {$480.00} was supposed to be held in my unapplied payment account, and to be used for my XXXX payment. I have been going around and around with Shellpoint trying to get them to correct THEIR mistake. I have already submitted a payment of {$1400.00} and still waiting for them to apply the {$480.00} so my XXXX payment can be recorded on time. As of yet, they have not recorded my payment and my account is pending waiting for me to make another payment of {$480.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred over to Shellpoint Mortgage Servicing in XXXX of 2020, and since then, in 8 short months, I have had more headache than I have had over the past 12 years I have lived in this house. 

First complaint is regarding communication, and that manifests itself two fold. For one, there is a lack of consistent and competent representatives when calling. It feels as though it is the luck of the draw when calling, as you never know the service you will receive. Secondly, there is insufficient time provided whenever their is change in your mortgage payments ( example provided in detail below ). So whether it is written or verbal communication, there seems to be a lack of clear and thorough thought process that they seem to follow. There is a clear lack of consistency in service, which has not only cost me a headache but now they are wanting to charge me fees. 

Example : - I was sent a letter on XX/XX/XXXX, expressing that my mortgage payment for XXXX will increase due to the evaluation of the escrow. The increase was significantly larger than usual, so looked closely and discovered that they had not taken my tax exception into account. I immediately reached out to them and a representative explained that they do not have the exception letter on file and I needed to resubmit the letter from my local government. However, the issue was that the presentative said that it would take 6 weeks to process the letter ; perplexed by the timeline, I expressed how I am given a notice only five weeks prior to a payment but required 6 weeks to process amendments. The representative promised an expedited process as long as I provide the necessary documents, which I provided the documentations the next day. In mid XXXX, I received a letter with the reevaluated escrow ( with the tax exceptions ) and was given a new payment amount, in recognizing the difference between the amount paid in the first of XXXX and what I owed since the reevaluation, I made a secondary payment for the difference. Yet I am now charged with a late fee for the month of XXXX because according to their representative I was short in my payment for XXXX. When I tried to explain the situation with the representative, I was told I must write a complaint letter to the loan services department in order to contest the fee, and as you can imagine that also would take weeks upon weeks. 

I followed their direction, but after looking into the company and reading many complaints that are similar to mine, I am alarmed at how many people the company is trying to take advantage off, an error from Shellpoint should not cost its customer any more let alone, let their error lead to fees and charges because the timeline provided does not allow people to write wrongs. This should be illegal, but definitely is immoral.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to work with Specialized Loan Servicing in order to obtain a loan modification. All the documents were sent via EMAIL to them on XX/XX/2019. 

I followed up and was told only a question needed to be answered regarding my husbands employment. 

Then I receive a letter that I am missing documents. They are ridiculous. They are telling me that I need to have my profit and loss statements stamped by an accountant. This is NOT a requirment in order to receive a loan modification. 

Then they tell me they have to verify my husbands address ; 3 different ways are possible, drivers license, utility bill or CREDIT REPORT. Do they not realize my husband signed an authorization for them to CHECK HIS CREDIT REPORT? 

They do not now what they are doing.

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 2018-05-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX i transferred XXXX. Via my wellsfargo online account to XXXX XXXX wells fargo account with the XXXX feature. I found out it was It was a scam for a house rental when i got there. I went to XXXX wells Fargo branch ( where the house was located ), and was informed by a banker that i should say that i didnt authorize the transfer, ( in other words, lie ). I wasn't willing to do that so i left but filed a police report. I found out that the same guy had done the same thing the weekend prior to someone else! I went to my wellsfargo when i got home talked to 10 different people to no avail. I tried to reach out to XXXX but they said talk to wells Fargo. Per the terms and conditions that wells fargo/XXXX has, it says that if you agree, they are able to provide name, address, phone and email of the person i sent the money to. They have refused on all levels.

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 2023-06-02
Company: AMERICAN HONDA FINANCE CORP
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
First of all, I did not give Honda Finanical permission to give my information to any other institution. That is in total violation. You did not have my consent. 

1681a Consent and Priviacy. I am making a demand not a dispute.You were unfair and you did not respect my right to privacy. I want to speak to the Fraud Dept and Supervisor. 
15usc 1681a3 I have file a CFPD report and can give you the complaint number. I did a voluntary repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Commercial Recovery Systems
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a call on my personal cell phone on XX/XX/2019 at XXXX XXXX ( Eastern ) from a man looking for my father. They told me that " someone '' gave them my number despite not even knowing who I am or relation to who they were trying to reach. They did not tell me who gave them my number.

They asked me to pass their contact information to him so that they may discuss " financial litigation '' with him. I asked what it was concerning, but they declined to tell me. 
This call was polite enough and I actually agreed to pass the contact info on. 
He said his name was XXXX from CRS and Associates Today ( XX/XX/2019 ) at XXXX, I received a call from the same number but was unable to take the call. I was left with a voicemail implying legal action was going to be taken as it was the final contact notice and the paperwork was going to be taken off the desk at the end of the day. I had already informed them that I was not the person they were seeking, yet the caller stated that it was " solely intended '' for my father. They know I am not my father, but still give me a message that they know only he is supposed to hear? 

The phone number that the call appeared to come from both times was a local number to me, but the contact information they gave me was located in another state.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 and account name XXXX XXXX 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 2023-06-02
Company: Future Judgement Solutions
State: NC
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:
XX/XX/23 FJS Global contacted me in regards to a debt I supposedly still owe, which would be over XXXX XXXX XXXX at this point. They stated that I there had been written notices sent about the debt, which I have never received, nor ever been contacted about before. 

I was threatened with wage garnishment and being served at my home or place of employment by a process server.

Company response to consumer: Closed with explanation