BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-18
Company: EQUIFAX, INC.
State: MO
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:
Equifax is reporting unverified information on my credit report. Below are listed items that have been disputed but I have not received a response with any proof of accounts belonging to me. I have no contract with any of these creditors. 

XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX Last reported : XX/XX/2019 XXXX XXXX XXXX Last reported : XX/XX/2019 XXXX XXXX XXXX Last reported : XX/XX/2019 XXXX XXXX XXXX Last reported : XX/XX/2019 2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a refinance with Citizens bank on XX/XX/XXXX. XXXX, XXXX XXXX was my agent who I worked with. I refinanced because I needed money for an Hvac system. 
We worked on a loan that would help me get the money I needed. The loan was supposed to return my original escrow balance to me. The new escrow would be added to the loan amount. XXXX put in the loan that the old escrow was not to be rolled over into the new loan. 
I went through the entire process under the assumption the money was coming my way. On XX/XX/XXXX I received my final disclosure statement. Everything looked ok to me. The numbers were a bit lower but I was told that was because the initial estimate was high and that I didn't have to pay for appraisal and a few other things. The closing agent ( XXXX XXXX ) came to my house a few days later to sign all papers. 
I asked when signing if I was going to get the money from original escrow. I was told yes, anything in my old escrow would come to me. We went through the signing the paperwork packet. Nowhere in the packet did it say anything about the escrow being rolled into the new loan.

Two weeks go by and I still don't have the old escrow money. I reached out to XXXX on XX/XX/XXXX and he replied that it rolled into the new loan and I wasn't going to get it. I was shocked, the whole point of the loan was to get the money. We went back and forth with emails amounting to him telling me there was nothing that they could do. He then offered me to open a line of credit. I found this shady as to why I would possible open another loan when they got the first one wrong. 
During our exchange he sent me an email with an attached fax that showed the money was to be rolled over into the new account. The fax was dated XX/XX/XXXX. It was the first time I had seen the document. It was not faxed to me because I do not have a fax number. It was not emailed to me or I would have nixed the loan. It was not in my closing packet at the time I signed or again I would have nixed the loan. And finally it was not in the packet that was given to me after closing. 
Also XXXX told me that the loan was already sold to another company which I found hard to believe. As it turns out it was sold to to XXXX XXXX but not until XX/XX/XXXX, over a month after what he told me. 
I feel like this was deliberately done to get me to open a second loan with Citizens bank. On top of it they should have made it right instead of telling me your out of luck. 

I have attached to final disclosure, the fax and page I never received that would have stopped the loan, and the pre closing document. I have the emails if you need them. 
Thank you for your time,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The company claims that on XXXX XXXX, XXXX, I made a payment via the automated system using a different checking account number than was previously used in the last six months and that the payment was subsequently returned by my financial institution as unpaid on XXXX XXXX, XXXX. This information is false. My financial institution has confirmed there was no request for payment submitted whatsoever. Furthermore, I have proof I used that bank account within the previous six months sucessfully to make the payment. Company claims the same thing happened again on XXXX XXXX, XXXX. Again, my financial institution reports no payment request was made, and, again, this account was used successfully in the past. Company claims they gave me a {$25.00} credit. They did not. They refuse to return the two {$25.00} returned check fees. There were no returned checks, so they need to refund me the Two, {$25.00} returned check fees. A customer service representative told me he would refund the returned check fees. They never did.

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 2021-08-05
Company: Westlake Services, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with WESTLAKE FIN. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a verification of debt letter to LVNV Funding on XX/XX/XXXX, and they received it on XX/XX/XXXX, USPS tracking number XXXX. After more than 30 days have passed, I called them on XXXX and spoke with a supervisor named XXXX who claimed she did not have any record of my letter being received, even when it was sent certified with a tracking number, and that she will call be back after they investigate. I was promised a call between Monday the XXXX of XXXX and Wednesday the XXXX of XXXX. Since I have not received any call by XXXX, I called them again and spoke first with a supervisor who was extremely rude and mentioned multiple times she will not remove the collection account from the credit bureau in clear violation of the law and that the verification of debt response was sent to me on XXXX, which is past the 30 days deadline and which I have not received yet, and afterwards disconnected the call. I called again and I spoke with another supervisor named XXXX, who confirmed my original verification debt letter was found and received by them on XXXX and that they responded on XXXX. I once again let them know that even if they sent the response on XXXX, it is still way pass the 30 days deadline and hence they are required to remove the collection account from my credit reports. She said she was escalating this issue with the Disputes department and that I should receive a call back between Monday and Wednesday next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
To XXXX XXXX License State board of Pennsylvania Legal Compliance Common Wealth Financial System Inc. Be advised, XXXX XXXX never received itemized bill forward XX/XX/2019- XXXX/XXXX2019. No cover letter enclose showing the amount of debt no Hippa report conveying common wealth System system inc rights to XXXX XXXX medical information we will contact the facility as to the information to your request as named on the consumer file in reference to sign Hippa report verification. date original amount unpaid amount. XXXX XXXX you agree you are a business associate of name claim holder not a purchase of medcial information for profit as a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I financed a vehicle from PNC bank, followed there instruction to access online banking and pay installment, i registered and logged in, next day i try to log in it says you need to register a cell phone number, i don't have a cell phone, after that i called the number provided and waited 30 min and since then i been getting transferred and customer service making excuses by drooping the line saying we cant hear you,, worst online banking experience ever, never banking with PNC again, customer service res are rude and even don't know any thing about solution, they keep reading from manuals

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I received information from XXXX that my information was breached. In viewing the credit report, there have been 20 inquires that was not authorized and two accounts open. I have filed a a report with XXXX  and attached is the report with claim number. 

False Inquiries were : XXXX ( 2 times ), XXXX/XXXX, XXXX/XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX ( 3 times ), XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX. 

Accounts Opened : XXXX and 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 2017-12-01
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The overdraft that is showing on my XXXX from XXXX XXXX  is not correct from 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 2017-11-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was hacked by someone. The person cloned my ATM card and used it to withdraw {$400.00}. I reported it and Citibank gave me the money conditionally and did and investigation. They never looked at the ATM video but decided twice that they did n't believe it was fraud. I was 30 miles away at time but even while I provided a work time sheet stating that was in XXXX XXXX at the time the transaction was being made, they still did not believe me. They have taken my money but admitted that they did n't look at the ATM video, I even filed a police report and faxed it to Citibank. 

I had to file a third dispute and they have still left my account negative.

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 2017-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America has no consistent, real-time system in place. We have to constantly resubmit documents for remodification if our loan and the system says its still in process yet the account manager stated that it is not a reliable system and not real-time for the account status. She also stated that our remodification application was closed when we were previously advised that we would be contacted with an update on the outcome of the review. My husband and I were outraged to receive a preliminary foreclosure document delivered to our home on Thursday night XXXX/XXXX/XXXX. We never received this update that was promised to be communicated by Wednesday XXXX/XXXX/XXXX. Please help us!!!

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 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/20 I requested a free annual credit report, I received my reports from XXXX and XXXX but not Transunion. On XX/XX/20 I received a letter from Transunio stating they could not locate my report so I gave them a call on XX/XX/20 and they were able to pulled my credit report and mail it to me which I received on XX/XX/20. The issue I am still having is I an trying to sign up for a credit monitoring program called " XXXX XXXX '' but for some reason it can not pulled my Transunion report. My Transunion is still showing on " XXXX XXXX '' so I do not understand why Transunion keep having an issue with location my report. Please help me because I need this situated as soon as possible Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Our mortgage company, XXXX, went bankrupt in XX/XX/2019. Through XXXX and all antecedent mortgage companies, we always had Auto-Draft of payments, and we have therefore never missed a payment in the 18 years we have lived here, our first home. 

On XX/XX/2019, we received a letter from NewRez/Shellpoint, welcoming us to their family beginning XX/XX/2019, and assuring us that, and I quote, " Your Auto-Draft payments will continue. Our records show that you have been paying your mortgage by Auto-Draft. Good news : your Auto-Draft arrangements will carry over  when your loan transfers to us. Your payments to us will be deducted from your account on the date and in the amount you arranged with your previous servicer. No action is required on your part. '' This document has been provided to our banking institution. 

Were we wrong to believe the documentation from the company? When we spoke with them over the past weeks after we received the dunning notice for late payment, they freely admitted that this was their error. We provided our routing information the last week of XXXX in a conversation with one of their representatives on a recorded line, and yet the XXXX payment was STILL not Auto-Drafted. And we were assured that this would not impact  our credit. And yet, it has. A second call to a different agent to verify that the XXXX payment had gone through netted us the data that their agents are UNABLE to take bank routing over the phone and we would need to send them a voided check! 

I don't doubt that NewRez/Shellpoint has or will have thousands of these complaints as others in our situation realize that they, like us, are innocent victims of negligence on the part of this company. 

We resolved the overdue payment issue last week ( at least, we HOPE AND PRAY that it is resolved ), and still this credit issue is keeping us from a car loan that we certainly have the resources to repay. It is unfair that we are being punished for this, and in fact, I think that NewRez/Shellpoint should have to reimburse us, and all the others impacted, for the time, expense, and embarrassment of being repeatedly denied financial services that we have every reason and right to expect. 

You may believe that at least for the next three to six months, we will be verifying with our banking institution that the mortgage has been Auto-Drafted on time. As our past President Ronald Reagan said, " Trust, but verify ''. 

Thank you for your prompt attention in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting an open collection item which i settled in full

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 2017-11-21
Company: Duncan Solutions, lnc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called the collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, WI XXXX on XX/XX/17 regarding a road toll debt I informed XXXX that because of this debt a DMV hold was placed on my plates, I asked if I could get a settlement on the XXXX she offered me XXXX. I called today XX/XX/17 to pay the debt, when I called and spoke to XXXX I adv her of the settlement offer and wanted to pay it. She informed me that the settlement offer was invalid since I had the DMV hold I adv her I told the original woman about the hold. I then spoke to a supervisor XXXX and she told me the same thing. I said I will report this but I had to pay the full debt to get the hold taken off my DMV tags. Then I was transferred to the payment rep and when I got over there and I said I wanted to pay the debt she took the payment. I then asked for a receipt of the payment and I was told they do n't send out receipts I asked to be transferred back to a supervisor XXXX and she told me it is policy not send out receipts and the rep was supposed to inform me of this before they took the payment ( She did not ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: FORD MOTOR CREDIT CO.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
ACCOUNT AUTO LOAN # XXXX Agreement Dated : XXXX-2015 It has come to my attention that the Promissory Note/Agreement which I executed is an unregistered security and that it may have been sold, traded or assigned in violation of state statutes. 
It was requested in writing to FORD CREDIT, to provide me with certified copies, front and back, of the original Promissory Note/Agreement which I signed and presented to the Bank in this transaction. 
The lawful authority which I authorized the Bank to engage in, the sale of an unregistered Security, in this transaction as an unlawful sale of an unregistered security in violation of state statute*. 
It has also come to my attention that shortly after the closing, that the Bank deposited said Promissory Note as a cash item and ledgered said Note as a liability in the banks Payables Account and identified ME as the Creditor in the account. A G.A.A.P audit was to be notarized and was requested for verification. No such Audit was ever received. 
It is also my understanding that the Bank/FORD CREDIT, in accordance with GAAP, may have ledgered the Mortgage, as an asset in the banks Receivables Account and identified ME as the debtor in the account. A G.A.A.P audit was to be notarized and was requested for verification. No such Audit was ever received. 
It has come to my attention that the Promissory Note/Agreement which I executed may have been altered as I asked for certified/notarized copies. 
It has come to my attention that the endorsement of said Promissory Note/Agreement for funding the loan may have been done by FORD CREDIT, and is in violation of state statutes and was not disclosed. 
In other words this auto loan by FORD CREDIT was pre-paid with my credit ; there was never ANY LOAN, only purporting a loan existed. In other words *VOID AB INITIO . 
The term void ab initio, which means " to be treated as invalid from the outset, '' comes from adding the Latin phrase ab initio ( from the beginning ) as a qualifier. 

*UCC 3-104 ( a ) & ( c ) and UCC 105 ( a ) ( c ) makes it clear that I was the Issuer, Drawer, Maker of the Note that I executed, giving it value, at the closing, while UCC 8-102 ( 12 ), ( 15 ), ( 9 ) and UCC 8-105 leaves no doubt that I am the holder of the entitlement right to the funds. I am the Creditor and entitlement holder with the authority to issue Entitlement Orders as concerns this transaction and/or this account. 
I also requested : All payments paid to date will need to be sent back to me, the address listed on the Agreement, estimated at {$7300.00}, US Dollars as this loan was pre-paid with my credit. *VOID AB INITIO. 

All responses from FORD CREDITs employees, were not substantiated and all to be considered hearsay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got my credit ran today XX/XX/19 at the XXXX dealership because I am trying to but a new car but when they looked at my credit report they told me that I did not qualify to get a car loan due to having accounts in negative standing on my credit history. I looked over the accounts and right away I noticed that these accounts were not mine. I did not open any of these accounts and I have never allowed anyone to open an account on my behalf. I don't know why these accounts are on my credit or who opened them in my name but I have already filed a police report. I never got anything out of these accounts such as money, services or any other benefit nor did I participate in any purchases, payments or transactions in regards to any of those accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief