BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-20
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX {$570.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$0.00} XXXX {$0.00} XXXX  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXt Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 2019-01-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I transferred my money to an external bank ( bringing my balance to {$0.00} ) and then used the online message center to request that my checking account be closed on XX/XX/XXXX. I received a pop-up after submitting stating : " Thank you for your message. We will make every effort to respond within 2 days ''. A week later on XX/XX/XXXX, I received a message stating : " Thank you for contacting Citizens Bank via email. We apologize for the delay in responding. If you have not completed your request using another method please respond to us and we will work to assist your needs ''. On XX/XX/XXXX, I responded to the message once again asking for my checking account to be closed. As expected, I received the same pop-up about a response within 2 days. Three weeks have now gone by since my most recent message on XX/XX/XXXX without a single response from the bank. Then on XX/XX/XXXX, I received a $ XXXX monthly charge for the account, bringing the balance below {$0.00} to - {$24.00}. Had the bank simply responded within the two days either time and closed the account then I would not have been charged this {$25.00} fee ( and still be waiting for a response and the closure of a bank account over a month after my initial request on XX/XX/XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: GA
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 endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Ace Cash Express loaned {$400.00}. I lost my job unable to pay loan. They came and got my 2000 XXXX XXXX and said they were going to sell it. I have never received any notice of what it sold for, so I think they kept the money over the {$480.00} that they were owed. I paid {$2200.00} for that vehicle prior to them stealing my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: FL
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing regarding my credit report which contains some inaccurate information. I have found several negative items on my report that I believe are damaging my credit score unfairly. I would like to request that you investigate these items and remove them from my credit report as soon as possible. 

Firstly, I have an account with XXXX XXXXXXXX ( Account Number : XXXX ) that I believe has never been paid late. Your reporting of this account is completely inaccurate, and I believe it is having a negative impact on my credit score. Therefore, I kindly request that you update this account and delete the inaccurate information immediately. 

Secondly, there is an account listed under XXXXDEPT OF ED ( Account Number : XXXX ) that I am unsure of. I would appreciate it if you could clarify this account 's name and number to me, or remove it from my credit report altogether. 

Thirdly, there is an account listed under XXXXXXXX XXXX XXXX  ( Account Number : XXXX ) that I can not recognize. I kindly request that you investigate this account and make sure that it belongs to me. If it does not belong to me, please remove it from my credit report. 

Additionally, I would like to bring your attention to several inquiries that have reached the statute of limitations. The inquiries listed under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX were made on XX/XX/XXXX. Since the statute of limitations for inquiries is exceeded, I request that you remove these inquiries from my credit report. 

I appreciate your prompt attention to this matter, and I would be grateful if you could send me a copy of the updated credit report once these items have been removed. 

Thank you for your help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, my mother passed away, and my wife and I are joint owners of the account. When we went in to close the account on XX/XX/XXXX after we received the death certificates, we found out that the account was overdrawn with a negative balance of more than {$1400.00} due to XXXX XXXX pulling her check out after it was deposited. I paid the $ XXXX to bring the account current and closed it. The XXXX, XXXX, informed me that any transactions that had already been submitted for processing would still go through that night. This was confirmed by the letter I got when I closed the account which stated " per your request, a maintenance transaction has been processed to close your account ending in XXXX. However, if any unidentified debits or credits are presented against this account during nightly processing, your account XXXX not close properly .... ''. 

When I woke on Thursday morning XX/XX/XXXX, I checked the account and it still had a XXXX balance, so I ( incorrectly ) assumed we were all good, since nothing had been presented. When I again checked the account on Friday XX/XX/XXXX, there was a negative {XXXX} balance from a debit that was allowed to be posted XXXX DAYS after closing the account. I, again, went in and spoke to XXXX, and he informed me that he was unable to close the account, and that I should instead simply stop the ACHs and debits. The problem is, this was my mother 's account and I don't really know everything that is scheduled to come out. Additionally, at least XXXX has told me that unless I can present paperwork stating that I am her XXXX XXXX XXXX they can't/wo n't allow me to modify her payment preferences. 

XXXX stated that he would refund the overdraft fees ( totaling {$100.00} at this point ), and that would bring the account to a positive balance, and he would submit a complaint and someone from the corporate office would be contacting me within XXXX business days. 

Upon checking the account this morning, XXXX XX/XX/XXXX, there has been another debit presented, and ANOTHER {$36.00} overdraft fee applied, bringing the account to negative {$75.00}, XXXX DAYS AFTER I CLOSED THIS ACCOUNT, and XXXX only credited the account XXXX of the now XXXX {$36.00} overdraft fees. Both XXXX XXXX local branch XXXX ) and the call center are telling me that they can't close the account, that I will just have to wait until no more transactions occur. This is unethical and, as far as I can tell, illegal. They are refusing to let me close my account, albeit using words other than " we're simply not going to let you close your 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 2023-04-08
Company: DISCOVER BANK
State: FL
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:
Acct closed date : XX/XX/XXXX Written off in filed for payoff on taxes tax year XXXX. Company has confirmed this debt has been paid in written off. Numerous attempts to remove negative impact in nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

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 2023-03-14
Company: Experian Information Solutions Inc.
State: FL
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:
This letter is a formal complaint that you have reported inaccurate and incomplete credit information to the credit bureaus. 

Federal laws require furnishers of information to report accurate credit information to the credit bureaus and in this case, you have failed to do co. Every step must be taken to assure the information reported is completely accurate and correct. I disputed the following information over 30 days ago and you have not yet responded : EXPERIAN XXXX XXXX XXXX XXXX  ( XXXX XXXX ) BALANCE {$15000.00} XXXX CREDITOR : XXXX XXXX XXXX XXXX  ( XXXX XXXX ) BALANCE {$13000.00} This inaccurate information must be deleted from my credit file immediately. Please contact the credit agencies you have reported it to and remove this misleading information from my credit profile. 

Under federal law, you must complete your investigation in a timely manner. Be advised that the description of the procedure used to determine the accuracy and completeness of the information XXXX hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC systems placed a collection on my credit report that is not mine. I talked to the company and they even have a different social security number for me, but still placed this debt on my credit report. 
This account is not mine, I am handicapped and elderly and have not had a XXXX account in many years. There is someone who has my information, and I don't know who, they tried taking money from my bank account as well. I need to remove this asap.

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 2021-01-30
Company: InterLinc Mortgage Services, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Interlinc has violated the Real Estate Settlement Procedures Act. We submitted on XX/XX/XXXX our property tax exemption letter issued from the XXXX Central Appraisal District. They continued to withhold funds in our escrow account that far exceeded their own company policy that states " If your escrow account is more than {$50.00}, it will be refunded. We have asked for more than four months for them to refund the escrow and adjust the account collection properly. 

I worked at the XXXX  and their incompetence is not allowing us to file our taxes in a timely manner. Interlinc Mortgage has exceeded the 60 Business days to correct my written inquires to them. 

They will state XX/XX/XXXX Total Amount Paid from Escrow : {$5300.00}. I inquire about the check and their email response today is " Regarding your escrow refund check, the check has not been mailed as of the date of this message. '' I am not ok with this answer. My initial written inquire was for them to correct it back on XX/XX/XXXX. 

They are violating the law, they are not entitled to tell me. " Please allow 5-10 business days for USPS delivery after the check has been mailed. '' It's past the 60 working/ Business days for them to fix the issue. We won't allow our money to sit on a desk in their office for them to mail when they get around to it. 

I worked at the XXXX and understand my Civil Rights very clear and my wife is a XXXX XXXX. Interlinc needs to do their job and follow the Federal Laws or I will take them to court. 

They kept withholding property tax when were exempt for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These are continuous illegal acts and its been brought to their attention multiple times on the phone to their call center and more importantly in writing. If it's not in writing then it didn't happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Signed loan docs with XXXX XXXX XXXX on XX/XX/21 - refinancing an existing mortgage with XXXX XXXX 
First payment was due XXXX. 
I rec 'd a billing stmt from XXXX on XXXX. 
I paid my first mortgage payment, {$3100.00} on XXXX ( for due date XXXX ) Days later, I received notification from Mr. Cooper ( servicer ) that they were taking over control of my loan - and I received a billing statement, dated XXXX - showing payment due XXXX. 

After multiple attempts to reach Mr. Cooper, I connected with on XXXX. I informed them my payment was made and they should contact XXXX to find out where it is. I spoke with XXXX, in escalations, who was no help in finding my payment they lost- but did try to sell me insurance (? ). 

Strangely, I rec 'd another bill from XXXX XXXX XXXX, dated XXXX - reflecting my first payment being posted - and not showing my account due until XXXX. 

On XXXX Mr Cooper called on my delinquent loan - stating that non-payment could impact my credit and result in late fees. Not sure how a payment made weeks in advance could lead to this outcome. Change in servicing is what resulted in this problem- and I did not ask for my loan to be sold, serviced elsewhere or whatever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
After paying down credit cards, my credit score was lowered XXXX points when I was advised it would improve my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX/XXXX/XXXX I received a charge of {$32.00} on account ending XXXX. Also, on the same date for account ending XXXX I received a fee of {$1.00}. I have XXXX accounts with Citibank and a few months ago I realized I 've been getting monthly charges in the range of {$3.00} to {$50.00} a month. Also, on my personal checking ending XXXX I keep getting {$30.00} fee 's every month which I was unaware of until I was in a negative balance when I was told to just make one and leave {$100.00} in it which I did. I keep getting these fee 's and they said since I did not catch it right away they could only reverse the ones that were the month prior after the back office had a look. I was told I would get a resolution in a day and its been XXXX weeks. I call in and the bank manager gets angry saying he does not have time to be checking these.

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 2023-04-09
Company: Global Lending Services LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Global Lending Service had XXXX XXXX XXXX to repossessed my vehicle on XX/XX/2023. We had agreed I would be able to catch up on my past due payments by sending {$260.00} weekly starting in XX/XX/2023 so by XXXX I would be caught up. The first 2 weeks no problem but then my debit card got locked and I couldn't send the payment I had to send it through XXXX XXXX ( {$28.00} fee ) and XXXX XXXX ( {$39.00} fee ). The only problem with that was the fee I had to pay. So I mailed in the payment and those payments went to fees and late charges. I asked to get my card unlocked but they said it wasn't them, the company I called to unlock my debit card said Global Lending had it lock and they could do nothing about it. Today 's date XX/XX/2023 I have not received any notice from XXXX XXXX XXXX about my vehicle. They also breached the peace by arguing for 20 minutes and then have the police threaten with being arrested and going to jail if I didn't get off my car ( I was sitting in it when he hooked up my car ) I told them they were not taking my car or I wasn't getting out. My wife kept telling them this is a civil matter, Im not getting off, and their not taking my car .it was an illegal repossession. They breached the peace.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Comerica
State: WV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a new debit card and was told once I registered and activated the card I would be able to use it.Upon calling customer service I was told I would have to go online to the mobile app.The money on my account is there for a transaction, but I keep getting a " card is declined '' and " high call volume '', and try again later.Today, I got a response saying my card was unable to make these kind of purchases ( getting groceries delivered ) when I did so before previously with no problems.

Company response to consumer: Closed with explanation