BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I was enrolled in the COVID Forbearance Program and was told by a Citizen 's employee that it could be extended to 15 months. When I called to resume payments I was told I had to apply for a modification because I was actually only eligible for 12 months and that their employee had made a mistake. During the Forbearance process I was repeatedly given the runaround, I was told to supply the same documents that had already been sent, over and over again. Although I was given a " Relationship XXXX '' named XXXX XXXX, no email or direct line was ever provided. Every call went through the same laborious process. 
Finally a Modification Agreement was created. 
A Notary provided by Citizens came to my home on XXXX, and my wife and I signed the Modification agreement. Since that time Citizens have sent me monthly statements that do not reflect the agreement. Every month I have had to call in and make the agreed payment over the telephone. Sometimes I am told that the paperwork takes time. The papers were signed and notarized XXXX months ago which is way more than enough time. Sometimes I am told that the Notary should have had my wife and I sign two copies and that I will be contacted by another Notary. However no one has contacted me. 
Attachments contain documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: TX
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:
After reviewing my credit report, I saw that my rights as a consumer has been violated. According to the FCRA, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States " the term consumer report doesn't include any report containing information solely as to transactions or experience between the consumer and the person making the report. " Late payments are a form of transactions according to the credit laws. All bureaus, XXXX, XXXX and Equifax is reporting late payments on multiple accounts : XXXX  XXXX XXXX, XXXX  XXXX XXXX. 15 USC 1681b ( a ) ( 2 ) states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. " I never gave any of the consumer reporting agencies written permission or instructions to report any inaccuracies let alone these late payments. Also according to 15 USC 1681 602 Congressional findings and statement of purpose states " There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. " It also states " the banking system is dependent on fair and accurate credit reporting. '' Reporting inaccurate information on a consumer reports directly impairs the efficiency of the banking system. Nothing about the reporting of these late payments are accurate and I have never received sufficient proof that they are accurate and my privacy has been violated due to the consumer reporting agencies violating my consumer rights by allowing these inaccuracies to be reported on my credit reports. I am requesting that you do the right thing and delete this information from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing because I am one of many citizens that are in a status in which HARP does not help but yet, we suffer from the same problems. I bought my house back in 2005, shortly before the fall of the housing market. Like millions of others, I was under water ( almost by 1/3 ) as soon as it happened. I have not been able to get any help at fixing my situation and am worried about losing my home and maybe even having to go bankrupt. Not something that is appealing to me. I am not trying to reduce what I owe, I just want to get into a situation where I am not at risk by the rise of the interest rates. I understand that it is because of my ignorance and not truly researching my options when buying my home. It was just a dream and the builder made it so easy to get into the house and told me I would be able to refinance within a year. Well, that opportunity never presented itself after the decline in the market. I am a veteran and should have used my veteran 's benefits, but did not. I am not sure why we are excluded from the help that millions of others that just happened to use XXXX XXXX or XXXX XXXX are provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I set up payment arrangements with this collection agency called GC Services Limited Partnership who is representing XXXX. The agreement was to pay XXXX a month starting XX/XX/XXXX, I made a XXXX payment on XX/XX/XXXX, which was my 2nd payment. On XX/XX/XXXX I called to make a XXXX payment, and this is when I was told by an agent with GC Services that they need 25 % the day that I called XXXX XXXX ) and the balance by the XXXX XXXX And if I didn't make these payments they would use any cards or checking account that I ever used to collect this money. I have a print out that GC Services sent me with the payment arrangements I also received a letter from XXXX dated XX/XX/XXXX stating the same thing as GC Services. I didn't think too much about the letter because I had made the arrangements. with GC Services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Calling/Coming to my home day and night pretending to be a court officer also. taking pictures of my home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
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: Account status incorrect

Complaint:
I am refiling this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. Thank you for your attention to this matter.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This madness has been going on a while with this bank! Constant fraud alerts text to me, having to file claims for transactions, they apply debits and credits knowing when I get DD and when I dont whenever they want, they charge me fees for their error, then credit me the fee. After that if I ask for a credit for a fee Im told I have to many credits for fees. It is constant double talk and doing what they want with my account. Today I see I am being charged for ATM cash withdrawal and a fee for that. How did I withdraw the cash if it wasnt there? A supervisor XXXX told me they will let me withdraw money at their discretion. I asked her three times, she said the same thing. Still does not make sense. I also see a charge for a lawyer service today. I explained to XXXX I have a receipt from the merchant that it was paid XX/XX/21 today is the XXXX. She said that transaction was never on hold or shown to transact. I reminded her of the receipt. She said she didnt know why. She reminded me that I have to pay these charges. Something is fishy here. Always has been with this bank. Now Im faced with over {$400.00} in charges that have to be cleared by XXXX XXXX  tonight or I will get more fees. Something is not right can you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-10
Company: Experian Information Solutions Inc.
State: NY
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 several attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$5400.00}, XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$11000.00}

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 2023-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hi, I have an XXXX XXXX credit card, issued by Bank of America ( BoA ). I have spent months working towards a kitchen remodel project. I needed to make a payment on my credit card on XX/XX/XXXX, which was above my credit limit. I spoke with a BoA representative on Thursday to try and have my credit limit increased, which was rejected. I asked them on the phone whether I could transfer additional funds onto my credit card now, in effect to increase my available limit to spend, e.g. my limit is $ XXXX, if my balance is XXXX and I transferred a payment of $ XXXX, I should then in effect be able to spend up to $ XXXX before I hit my $ XXXX limit. I was told I could do this. 

I transferred an amount on Thursday XX/XX/XXXX. I then tried to use my credit card over the weekend on a couple of smaller purchases. I then have received notices today that my internet and utility bills debited from this credit card have been rejected. I spoke with BoA who told me that because I transferred more money than the limit I have, they have placed my funds on hold for 10 days. Not only this, but they have prevented me using any of the normal credit I have during this time. So in short, they are holding $ XXXX of my money without even notifying me of this, and not allowing me to use my credit card because I tried to give them 'too much money '. Additionally, my bills are also getting rejected, which is causing me a huge inconvenience and could negatively impact my credit. I spoke with multiple people at BoA, all of whom told me that no one can overrise this 10 day period. How can no one at BoA override a system? I don't care if they reject it, but holding my money for 10 days without notifying me and blocking my card is completely unacceptable, and I have a strong feeling this is actually illegal- I can't see anything in the terms and conditions of the card that would allow BoA to do this, and it just feels plain wrong that a bank could do this. 

I am now in a worse off position than I would have been if I had done nothing, and my kitchen project that I have spent months on has been de-railed because of this. It is completely unfair, and potentially illegal.

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 2022-10-10
Company: Experian Information Solutions Inc.
State: TN
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You have really gone so far on disregarding my disputes. AGAIN, this state is unbelievable! Experian and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Experian so the reason of we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let this fraudulent account distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. I have already extended my obligation by sending my documents like my DL, SSN, Address and the dispute letter I sent to Experian. I have also enclosed a copy of my FTC report to them but still they have overlooked it. They became slipshod of the FCRA law and sustained reporting this information on my Credit File deprived of Proper Validation or Investigation. I am an identity theft victim ; my identity was used without my permission so why cant you understand that? I want you be responsive and DELETE this account that caused me so much trauma. 

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 explanation
Consumer complaint received 2020-06-13
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
According to Midland 's policy, they will delete an account from the credit report when the account has been paid in full. I've reached out to the company several times to find out when this will happen and they have not responded to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a settlement check from my attorney on XX/XX/23, due to a minor accident. I went to the Citizens Bank branch to deposit the funds into my account, and I was told by the Banker the check looked fake and he couldn't deposit it, and if my account overdraft it would be sent to collections. Knowing that my check was not fake, I decided to go home and mobile deposit the check instead. Today, when I opened the account mobile app, it wouldn't allow me to log in. That's when I went to my computer and decided to log in from there and I was able to see that the check is still on hold, no funds were available to use. I asked the representative the reason behind the hold, she advised that the check seem fake. I advised her that it is not fake it is a settlement check from an Attorney 's trust account. I was told I will have to wait for the bank to clear it on XX/XX/XXXX. I have bills to pay and not being able to use money, and also being told the check is fake is hurtful. Those statements come from a pattern of discrimination against people of XXXX and bank institutions. Citizens bank has a history of XXXX profiling. I would not stand to be another victim. XXXX XXXX  do not get treated the same as XXXX when trying to send a check into the account. To be rejected from depositing a check that was provided to me by an attorney at the branch is unfair and discriminatory. I will also like to file legal complaints regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Rausch Sturm LLP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This complaint is a follow up to my previous complaint about this same company. This time I am going against them and their lawyers who have discriminated against me, have hung up on my calls, have denied me options for payment agreements and have affected the well-being of my family. 
I am an American citizen and as such I believe that I have rights that they have not fulfilled. 
In response to my previous complaint, they say that they have no information on any lien against me and that they have not collected any money. Lie! I have called them reading their response where they say that they will not take any further action on my account until I get my job back due to the financial hardship I am going through. 
On XX/XX/2022 my bank ( XXXX XXXX  ) withheld {$490.00} by order of them, I call the bank at XXXX XXXX department and they tell me that they have the funds withheld but that they can not make a refund until they send a letter ordering it. In the calls they have told me that they have not received notification from the bank about the withheld funds ( my bank says yes ) and they say that they will continue to take action on my account to collect the debt. 
Every time I call and an associate checks my case they hang up on me. This is clearly a bad practice and discrimination because I am trying to reach an agreement with them and they ignore me, threaten me and discriminate against 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 2022-10-27
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good evening, On XX/XX/2022 between XXXX and XXXX I received a series of XXXX calls from XXXX XXXX that I attempted to answer more than once and also received a voicemail at XXXX asking me to call same number at extension XXXX. I called back and was transferred to XXXX XXXX at XXXX XXXX XXXX who asked me to verify the last 4digits of my SSN without advising me of the purpose of her call. Once I requested the reason for the call she advised me that it was regarding a debt from XXXX or XXXX on behalf of Comenity bank. I advised her that I had no idea who XXXX or XXXX XXXX was and that I needed a report of the charges from the original creditor to verify. 

I can be reached at XXXX XXXX or by email at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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