BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I XXXX XXXX owner of XXXX XXXX XXXX XXXX XXXX made a deposit of {$6000.00} usd to my business account, when i made the deposit i was advised that because it was and international certified bank check it would take anywhere from 3-6 months for the money to be available. On XX/XX/XXXX i got tired of waiting and went to talk to the branch manager of Citizens bank located at XXXX XXXX XXXX XXXX RI XXXX. At that time we spoke with man by the name of XXXX XXXX. At that time i was told that the back had actually lost the check and did not have a clue as to where it was. My daughter and i spoke to this man and he told us that we would have the funds available by the end of the day or by the latest Tuesday the XXXX he just needed to speak to his boss and he would call us back by the end of the day. He did not call me back my daughter called at around XXXX to speak to XXXX XXXX he then told my daughter to give him the rest of the week to get what he needed to make the funds available to me. So, i waited until the end of that Friday XX/XX/XXXX and no call back. On Tuesday my daughter called to speak to XXXX XXXX and he was not available, so my daughter left a message for him to call us back. Only to get a phone call back with in a few minutes by two men that said that their name were XXXX and XXXX, they would not disclose their last name or their job titles. My daughter was then asked again what happened to the check she explained the same story again and they told her that I would have to get a replacement check. I cant afford to go back to XXXX where the certified check came from wait 7-10 business days for their police department to address the lost check then wait another 7-10 business days for the bank to do their check up to see if the check was indeed cashed or not. My mother passed in XXXX of XXXX which is why i was in XXXX. and to be safe instead of traveling with cash i opted for a certified bank check. Now Citizens bank wont own up to their mistake and want me to do all the work while they have me waiting for something that they lost. I need my money back i am not even asking for anything other than my money. My daughter went to the bank again on XX/XX/XXXX and after being ignored by XXXX XXXX for a good 30 minutes he walks back into the building to tell her that they close at XXXX and if she did not leave they would call the police on her. She did call the XXXX police department and they advised my daughter to place a complaint and try to speak with higher ups at citizens bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-24
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had applied for unemployment benefits in Minnesota and had been in a long standing battle to get approved for a long time. At the beginning of XXXX I was finally approved and granted backpay for months which resulted in a handful of deposits amounting to almost {$10000.00}. I was having my social worker help me fill out the direct deposit forms on my unemployment account at the time and unfortunately he somehow managed to mix up mine and other clients banking information. This resulted in almost $ XXXX being deposited into an account at TCF bank that was not mine, after contacting TCF I was told that if the account holders name did not match the name on the direct deposit that they would return the payment to the sender. I waited and waited but it has been 5 months and still the state has not received that money back yet. For some reason TCF is still holding these funds and because Im not the account holder of the account where the funds were deposited TCF will not even speak to me about this matter. 

I wasn't given the exact payment amounts but I know it was maybe 5 or 6 payments totaling almost {$10000.00} a lot of them were sent on XX/XX/XXXX, but not all of them some were on a few days before the XXXX or a few days after. 

The last 4 digits of the account where the funds were deposited were XXXX I dont have the full account number because we are not given access to that information directly on the state website. If you need the full account number to find the payment let me know and i will have to contact the state. But I think it should be more than possible to track the payment with those last 4 ending digits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
State: AR
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 an account I opened with XXXX XXXX on and around XX/XX/XXXX. Around XX/XX/XXXX while submitting an application for financing for business I was notified by the bank representative that unbeknown to be me on XXXX and XX/XX/XXXX I was late on the student loan payment. 

I Immediately Contacted XXXX XXXXXXXX by phone first to see what this was all about and also to determine why I was not notified by phone or mail regarding this matter. I did not receive any correspondence from XXXX XXXX until XX/XX/XXXX I received a letter stating that they investigated my dispute and everything was accurate with NO explanation or supporting evidence as required by law. 

Then on XX/XX/XXXX more than 30 days from my initial request to investigate this inaccurate reporting. ( I am attaching the response from XXXX XXXX to this complaint. ) I received an email from XXXX XXXX Executive Office stating that they are in receipt of the dispute and they will be getting back to me. Some of the concerns that XXXX XXXX did not resolve with my dispute request are : 1. I was not notified of the negative item reporting as required by FCRA 623 ( a ) ( 7 ) 2. FCRA 623 ( a ) ( 8 ) gives me the right to dispute information directly with the furnisher and the furnisher XXXX XXXX is required to provide proof to justify this reporting all I received was a canned response. 

NOTE : FCRA ( FACTA ), consumers now have the right to go directly to the original creditor and ask for proof of negative information. In addition, court case opinion No. 00-15946 CV-99-00290-D.C. by the US Court of Appeals 9th Circuit, Nelson Vs. Chase Manhattan, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated. 

3. Under the Care Act student loans were all placed on deferment. I am not sure if this is a public or private loan but I believe the spirit behind all Americans at the time was to help one another get passed this unfortunate time so XXXX XXXXXXXX to not even inform me about this late and continue to report to frivolous unverified derogatory account is a clear violation of my rights. 

I also contacted XXXX XXXX by phone numerous time I was told my account was transferred to XXXX XXXX XXXX Ext XXXX who has promised me on 3-4 different occasions that she will get back to me and still has not. 

This inaccurate and misleading derogatory has affected my ability to obtain funding and continue to support my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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:
Request for Investigation please. the inquiries that I did not authorized are in the letter already. please review

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have repeatedly over several years asked the Bank of America to reduce its interest rate as I can not afford to pay its high interest rate. 

My belovend wife XXXX and I live XXXX XXXX XXXX XXXX  and we can not at all make ends meet and now with soaring inflation! 

But the Bank of America refuses to work with me to resolve this very serous financial problem! 

I SHALL DECLARE BANKRUPTCY IF NECESSARY!

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 2021-11-10
Company: TD BANK US HOLDING COMPANY
State: VA
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 noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} Nordstorm/TD Bank USA XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
ATTACHED IS THE USPS TRACKING CONFIRMATION SHOWING THE LETTER WAS DELIVERED I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX-XXXX  made on XX/XX/2023 in the amount of {$390.00} XXXX submitted this dispute within XXXX  days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well. 
ATTACHED IS THE USPS TRACKING CONFIRMATION SHOWING THE LETTER WAS DELIVERED

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 2023-11-30
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing this letter in extreme frustration and dismay regarding the fraudulent accounts that continue to persist on my credit report. It has come to my attention that despite my numerous attempts to resolve this issue, there has been no satisfactory resolution. This situation is not only damaging my financial reputation but causing me severe emotional distress. 
XXXXXXXX XXXX XXXX THIS IS FRAUD, PLEASE DELETE!!!! 
It has been months already since I initially reported this issue, and yet, these fraudulent accounts persist on my credit report without any explanation or resolution.I would like to remind you that under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a credit reporting agency to ensure the accuracy and integrity of the information you provide to lenders and consumers. It is also your responsibility to promptly investigate and correct any inaccuracies or fraudulent information on a consumer 's credit report. I believe that your continued failure to address this issue is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Father passed away on XX/XX/XXXX. Since then my siblings  I have filed with XXXX XXXX County as the heirs and owners of his home. We contacted Ditech in XXXX to inform them of our Father 's death and our inheritance of his home. We filed an affidavit of ownership and my siblings   elected me as their representative. I have been asking Ditech for information regarding his mortgage and repayment of it since mid XXXX. In XXXX I started corresponding with Ditech via phone and email so that I would have a paper trail. Ditech refused to acknowledge my authority and also refused to acknowledge us as heirs. We submitted all the documentation that they asked for several times due to them misplacing or losing the documents. My Father 's home needed many repairs and we are still in the process of making them. I have spent thousands of dollars for these repairs and am two weeks from completion. If the repairs would not have been made we would have taken a great loss because his home would not have sold for what he owed. I have an excellent realtor standing by to put the home on the market. She believes it would sell in less than two weeks. Today XX/XX/XXXX I received nine letters addressed to each of my siblings, myself, my Father and his Estate. The attorney did not send Letters to my siblings  at their address instead they were sent to my Father 's address. The attorney has all addresses for my siblings,  therefore have sent the notices to the wrong address. These letters are to inform us of the Auction of my fathers 's home on XX/XX/XXXX. I believe that Ditech has broken the Law by not communicating with me about the assumption of his loan or the amount of his payments or his due balance. They have not responded to almost all emails that I have sent and there has been no follow up or follow through with them. We were prevented counselling due to the fact that Ditech would not acknowledge us as the owners of his home therefore HUD counsellors would not speak to us. We are in dire jeopardy of losing his home due to Ditech not following RESPA Laws and refusing to speak to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX is third party company which illegally reporting on my credit report I have not give written consent or agreed for XXXX to report to my credit XXXX hasnt vaildated the debt that they claim I owe also XXXX XXXX isnt the lien holder of my auto loan so they shouldnt even be reporting to my credit at all if XXXX XXXX needs to delete from credit report immediately attached will be proof by law only the original creditor can report to credit 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 2023-02-01
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Ive had my account for over XXXX years and someone hacked into my account and they said they were going to fix it but closed my account down and I didnt get a follow up or call back seeing why my account got shut down. And I would notice money missing out of my account!

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 2021-10-20
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage included an escrow account is with CMC funding ( Specialized Loan Servicing LLC ). They are not professionally running the tax disbursement from my escrow account. I have to contact them multiple times for XXXX school tax. The statements showd double tax payment on XX/XX/XXXX for {$2100.00} and XX/XX/XXXX for {$2300.00} ( included 10 % penalty ) out of my escrow account. 

When I contacted them, the first agent was mad at me and said this question is for the escrow department, not for the tax department. And then they promised to start an investigation of this double payment. I had to contact our tax collector to confirm the disbursement. He mentioned the check on XX/XX/XXXX for {$2100.00} was NEVER CASHED. The mortgage company should be able to confirm it very quickly and return the credit back to my escrow account soon. 

I had to follow up on this mistake caused by the mortgage company myself, which is wasting my time and money. Obviously, they don't run my escrow account professionally.

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 2022-05-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have been contacting all three credit agencies for disputes with information being reported on my credit report for over a year now starting in XXXX of XXXX. I have also disputed incorrect account information with the original companies. XXXX accounts in particular have not been resolved, XXXX XXXX, and XXXX XXXX XXXX. I have sent in every single document required including proof of identity and documents to dispute these accounts and to date the only response I have ever received from all XXXX agencies is the same generic response. I have only received emailed responses from Experian stating my disputes are now open, we are working on your disputes and they should be completed by this date, your disputes are now closed. Every response is the same and they always result in the same thing stating, " The account has been verified as accurate however, the account may have been updated ''. From my initial dispute starting in XXXX of XXXX I received NO response from anyone. A second dispute was sent 2 months later and again no response. Demand letters were sent around XXXX and again the only response was the same listed above. I sent the attached dispute letter and all required documentation again asking for a complete investigation, proof of investigation, documentation, etc..and once again I got the same generic responses and nothing else from any of the agencies. They are violating the FCRA and have failed to comply with requests and complete thorough and factual investigations. Per the laws they should have removed the negative items disputed immediately after failing to respond within the 30 day time limit, and failing to respond several months after. The last dispute demand letter was sent in XX/XX/XXXX and the tracking numbers are, XXXX, XXXX, XXXX. These accounts need to be deleted immediately due to FCRA and law violations. Furthermore, I have never received any letters or response from XXXX XXXX XXXX as well. I only knew about the account due to checking my credit report. They are damaging my credit for the same XXXX Account that I have been disputing.

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 2023-03-31
Company: EQUIFAX, 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  account # has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. in XXXX of 2012, a XXXX XXXX XXXX account was opened under my name without my knowledge or consent and was used and left a {$4800.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.

Company response to consumer: Closed with explanation