BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: TCF NATIONAL BANK
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I requested distribution ( roll over ) of an Roth IRA account from TCF Bank to XXXX on the amount of {$6100.00}. My TCF account number XXXX. 
On XX/XX/XXXX I noticed that my money from this account wasn't transferred. I called TCF representative, she apologized for not transferring money as requested and she told me she will send the check to XXXX the same day, and the XXXX should received them within XXXX business days. 
On XX/XX/XXXX I called XXXX representative and the check didn't arrived. We had a conversation with TCF and XXXX at the same time and TCF representative told us the check will be send today on XX/XX/XXXX and I have to wait 2 weeks. 
On XX/XX/XXXX I had another conversation with XXXX and TCF and we have been told that TCF didn't send any check on XX/XX/XXXX. The said it was just one check send on XX/XX/XXXX. The XXXX representative ask about the address the check was send and TCF was unable to provide this information. We were informed we have to wait 90 days to start to investigate. 
On XX/XX/XXXX I spoke with XXXX - TCF manager and asked why the transfer didn't go through and why I have been dis informed that check was send on XX/XX/XXXX. She couldn't answer those questions and unfortunately I lost connection with her during my conversation. 
As of today it has been 39 days of waiting and I am very positive that the check won't arrived to XXXX withing those 90 days period. 
I hope someone will be able to help me to solve the problem. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature from XXXX XXXX XXXX Account Number. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. I am also requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

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 2020-05-06
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I have filed multiple disputes with Experian regarding an account I have in collections - XXXX XXXX  account- in their credit report. I previously successfully filed a report with XXXX in XXXX, and had the account deleted from my credit report for it is inaccurate as it is not my account. 

I filed a dispute with Experian in XX/XX/XXXX regarding said account. They reached back to me expeditiously, probably too expeditiously to make a sound decision as they had found that the account was 'accurate ', and it is to remain on my account. The dispute that I filed with XXXX on the same day as Experian 's is still ongoing. Furthermore, I filed subsequent disputes inputting as much information as I could regarding the account. They only allow one 210 characters to input information, which is egregious in my honest opinion. How can one expect a company to adequately review, on their behalf, a financial dispute from the past when only allowed to provide 3-4 sentences of information. 

Experian has repeatedly said that the information is accurate, while not acknowledging the other individual, XXXX XXXX XXXX, in the contract from where the collection stems from. Thus, balance amount, and the collection itself is inaccurate - as previously found by XXXX. They have also 'updated ' the account in dispute, but have provided no further information on how the dispute was resolved, and what led to that decision. I have attempted to file subsequent disputes with more information but Experian has barred me from doing so on their online portal. With COVID-19 ongoing, I personally do not find it safe to file disputes by mail, and expose myself to possibly dangerous social settings. 

At this point, I am led to believe the Experian is possibly working with the collection agencies themselves to profit off of inaccurate credit reports, and debts by risking peoples ' livelihood.

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 2022-08-11
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX, has violated my rights. 



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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit file immediately.

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 2019-08-08
Company: Experian Information Solutions Inc.
State: PR
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:
Experian is showing 8 late accounts. These accounts were discharged under bankruptcy. While they are showing my bankruptcy, they are also showing 8 accounts as late when they have been discharged, therefore, lowering my score. XXXX and XXXX have it correct. This is an incorrect practice. I should be showing my bankruptcy not late accounts. I have already disputed and there was no change ; still showing late and it states it as late payments. Please correct this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: General Motors Financial Company, Inc.
State: MI
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 was leasing a vehicle, and I turned the vehicle in early. They wanted me to pay a early termination fee in addition to the money I paid to cover the remaining payments of the lease. I paid the remaining lease payments, and they said I could pay the fee later so I did. They listed a late payment for a month I no longer was leasing. I was never late always on time and was given permission to make the fee payment at a later date. I called GM financial and they told me they dont see late payments on their end that they never reported a late payment however its on my credit report. In addition it does not show that it is closed it shows as a current account. Its on my XXXX credit report and possibly XXXX. Please help. I am trying to eventually remortgage my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
see attatched FTC ID THEFT case XXXX I AM A VICTIM OF IDENINITY THEFT REPORTED TO USAA XX/XX/XXXX, XXXX see attatched usaa FRAUD CLAIM LETTER dated XX/XX/XXXX. I just got usaa credits for this fraud of XX/XX/XXXX. XX/XX/XXXX. TWO YEARS LATE!! XX/XX/XXXX spoke to XXXX of ID THEFT TEAM at usaa. He claims usaa is ( ** UNABLE to provide WRITTEN DOCUMENTATION WHO PLACED THE SAME UNAUTHORIZED TRANSACTIONS OF XX/XX/XXXX {$470.00} XXXX.?? HUH?? A BANK DOES NOT HAVE POSTING MERCHANT INFORMATION?? SORRY I DO NOT BELIEVE THIS XXXX. USAA IS NEVER HONEST. AGAIN USAA, WHO PLACED THE UNAUTHORIZED TRANSACTIONS THAT APPEAR ON STATEMENT AS XXXX CHARGES XX/XX/XXXX {$470.00} XXXX CONFIRMS XXXX DID NOT. PLEASE SEND VERIFYING DOCUMENTS TO MY HOME ADDRESS. I HAVE NO ACCESS TO THIS ACCOUNT. THANK YOU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I called Suntrust Bank XX/XX/2020 to ask why my account is frozen and why I can not use my debit cards. The bank did not give a reason why and was not very helpful. This is a business account and I can not conduct business with my account being frozen for no obvious reason to 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 2021-05-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I got divorced and a bank kept me on the loan for my ex-wifes house, even though the divorce attorney said I am not responsible for this loan any more. She was in a transaction of selling her house and in the process was late on payment, while she waited for the transaction to close. So all 3 credit reports of mine showed up as I paid a mortgage late. My divorce papers show Im not responsible, and the home is paid off and sold now, yet my credit score has dropped considerably, by one late payment while the selling of this home was happening. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
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:
In my credit report XXXX ACCT # XXXX shows a late payment on XX/XX/2013, the information is incorrect, this account was setup in automatic payment and they made a mistake in processing the payment.

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 2019-04-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT
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:
From XX/XX/2017 to XX/XX/2017, Citizens Bank pulled unauthorized hard inquiries from my credit. I did not initiate or authorize these inquiries. They have negatively affected my credit. There was an inquiry every month for 6 months.I called customer service and there were unable to offer a explanation or solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez appears to have made appropriate disclosure with CFPB that issue is still has not been resolved and we as consumer is at fault. 

Attached is NewRez e-mail announcement that the problem was resolved on XX/XX/2020. 

Previous complaint reference no. XXXX - XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Made mortgage payment on XX/XX/2020 at Bank of America using coupon and having mortgage account number on the back of the check at the XXXX Branch of Bank of America. Bank of America applied the payment to a credit card with XXXX balance. I noticed this issue on when the credit card statement came to me showing a credit in the amount of the mortgage payment. I attempted to contact them on said date, but they were unavailable as it was the weekend, so I contacted them on Monday XX/XX/XXXX. They indicated that they would research it and it would be a simple fix and would call me if they needed more info. On XX/XX/XXXX, I received from XXXX XXXX at Bank of America calling me that I had not made my payment. While on the phone she said we'd have to contact the credit department in order to reverse it. We conferenced in XXXX in the credit department of Bank of America, and he said it would take 10 days to process. This has still has yet to be resolved and in the mean time, I am harassed by the collection department at Bank of America, I explain the situation to them, and they put me on hold and disconnect me. Then I called the credit card department of Bank of America on XX/XX/2020 and they indicated that they would escalate it and as of today nothing has changed. This issue was caused entirely by the gross negligence of the Teller at the XXXX, NH Branch of Bank of America. At this point the payment is showing 30 days past due will effect my credit if they don't fix this and back date it to XX/XX/2020, the day the payment was made.

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 2018-02-01
Company: BB&T CORPORATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I took out a HELOC from BB & T Bank on XX/XX/XXXX and was paid off on XX/XX/XXXX. My settlement attorney returned the original recorded Deed of Trust. Maryland Land Record still shows this loan is outstanding. MD Land records office asked me to contact BB & T and get a Certificate of Satisfaction so that their lien can be removed. 

Went to BB & T Bank 's XXXX XXXX  Branch in  XXXX, MD twice to obtain a Certificate of Satisfaction, first time they issued a Letter indicating that loan has been paid off. Took it to MD Land Records office, they did not accept it as this was not a Certificate of Satisfation. Went again to the branch, spent over an hour with little success. They failed to give the Certificate of Satisfaction. 

Need your help in getting appropriate paperwork to file with the State. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested that my personal statement be updated. The current statement is not accurate and references a telephone number which does not belong to me. I am asking that the statment below be listed, solely on my report. I am asking that this statement be listed as the prominent statement and not suboordiate to a statement by the credit reporting agencies. 

My ID was stolen, in two security breaches. Found on the dark web, my XXXX & XXXX cards were used without authority. XXXX & XXXX were notified, provided law enforcement reports obtained. I disputed the accuracy & completeness of XXXX & XXXX adverse information reported to the three credit reporting agencies. Each agency provided notice to XXXX & XXXX, as adverse information furnisher. XXXX & XXXX failed to, conduct a reasonable investigation of each dispute ; review all relevant information ; modify, delete, or permanently block the 5 items listed as adverse information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ON XXXX XXXX, A COLLECTION WAS PLACED ON MY ACCOUNT WITH EQUIFAX FROM XXXX XXXX, FROM A XXXX BILL THAT DOESNT BELONG TO ME I CONTACTED XXXX  XXXX, AND THEY AGREED TO HAVE THIS ACCOUNT CLOSED AND REMOVED FROM ANY AGENCIES, I CALLED EQUIFAX TO LET ME KNOW THAT THIS ACCOUNT NEED TO BE REMOVED, FROM MY REPORT, ITS LISTED UNDER MY MIDDLE NAME XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I filed a complaint against XXXX XXXX case number XXXX based on an error that XXXX made on my escrow account and request that I make up the error payment over 12 months. The result ended with XXXX agreeing to spread out on 60 months. 

XX/XX/XXXX, XXXX sold my mortgage account to NewRez Mortgage. NewRez continued to charge the amount of {$2000.00} until they increased my payment in XX/XX/XXXX and XX/XX/XXXX, {$2400.00} that included the escrow amount that was not spread out. There are 2 years remaining of the 60 months from XXXX. 

I am asking NewRez to spread out the escrow amount the was in error, the remaining 2 years so that I can afford to pay monthly. Below is a summary of failed attempts to resolve my issue of overcharged monthly amount, in order to afford payments. They do not want to refund the overpayment in XXXX or XXXX and charge the correct amount for XX/XX/XXXX. 

I have called NewRez Mortgage company to follow up on my original complaint of overcharging my account XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On Saturday XX/XX/XXXX, at XXXX am ( after 42 minutes ) I spoke with XXXX XXXX in collections, who stated that NewRez company is not going to credit my account from XXXX and XXXX the amount you overcharged. She stated your escrow department will only begin to charge the correct amount starting XX/XX/XXXX. To summarize the issue : On XX/XX/XXXX, I emailed New Rez company the documents that support my escrow account to be spread over 60 months since XXXX. I was told from XXXX on XX/XX/XXXX, that the correct amount should be {$2000.00} and would be corrected once I send the letter from the Consumer Financial Protection Bureau. Then on XX/XX/XXXX, NewRez refunded my account the XXXX payment that was auto draft of {$2400.00} as oppose to the amount requested of overpayment of {$380.00} for XXXX and XXXX months totaling {$760.00}. On XX/XX/XXXX I followed up with a call to state I was refunded the total XXXX payment and was told the reason NewRez refunded the one month payment was that they were investigating and refunded my account while this was occurring. Thus, after not hearing from NewRez, I followed up again XX/XX/XXXX and spoke to XXXX XXXX. 

My payment for the month of XXXX is now showing non payment of the incorrect amount and shows LATE. Due to the lack of cooperation with NewRez, I am  submitting a formal complaint to Consumer Financial Protection Bureau to request consumer right by spreading my account over the 60 months that started in XXXX per XXXX XXXX account. I should not have to bear the burden with the two Mortgage company transactions that took place with NewRez purchasing mortgage accounts from XXXX XXXX. 

Can you please help to resolve this issue. 

Thank You, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation