BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-01-15
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I refinanced my mortgage on XXXX XXXX. My current mortgage servicer at the time stated that they did not get the payoff amount until XXXX XXXX. Since the loan was still serviceable on XXXX XXXX they took a payment for the month of XXXX. When I contacted them about this they did refund the principle and escrow portions of the extra payment but not the interest portion totaling {$700.00}. So in essence I paid and additional {$700.00} for a transaction that should have taken place one day earlier. The main problem is that ALL mortgage refinances are completed on the XXXX of the month and my HUD form this transaction states the XXXX of the month. This is not sufficient for my former servicer and they state that they owe me no more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: EOS Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt was discharged due to switch over to new family plan around the end of XXXX to the beginning of XXXX. XXXX stuck me with a bill of XXXX dollars plus and extra XXXX dollar bill for interest, and other rate hikes, but the XXXX dollars is not mine nor is the XXXX to whatever it is. I been a victim of fraud I am a protected veteran and servicemember.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Midwest Recovery Systems
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midwest Recovery Systems, LLC is collecting for XXXX XXXX XXXX. 

o XXXX XXXX XXXX  is not licensed by the Washington State Department of Financial Institutions as a small loan or payday lender. This entity is not registered to conduct business in Washington State by the Department of Revenue or the Secretary of State. Washington residents are advised that state law provides in RCW 31.45.105 ( 1 ) ( d ) and ( 3 ) that a small loan made by an unlicensed entity to a person physically located in Washington is uncollectible and unenforceable in Washington State. 
o The current status of my account is not correct. The report shows that the date of first delinquency is XX/XX/XXXX, this is a flat-out fraudulent claim as any business that was conducted illegally by XXXX XXXX XXXX with me was prior to XXXX. Washington and Federal statutes of limitation apply. They will be unable to prove the date of the first delinquency with XXXX XXXX. 
o Despite the fraudulent and illegal collection efforts described above, neither Midwest Recovery Systems nor XXXX XXXX has mailed a notice of debt collection, my balance due, their contact information or my right to dispute. Additionally, I have received multiple harassing robocalls identifying themselves as a debt collector requiring me to call another number. I have no option of consenting to the calls or opting out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: Experian Information Solutions Inc.
State: SC
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:
They keep reporting inaccurate information ... and statuses and DATE OF STATUS..!! This is a clear case of Re-aging an account that the original creditor refuse to validate or verify. The company XXXX/ XXXX only response after several certified letters is ... we need more information. But yet Experian continue to say they have verified the account. XXXX and XXXX have deleted the inaccurate line.On XX/XX/XXXX I sent XXXX a certified letter.. they responded ... need more information. On XX/XX/XXXX ... sent a dispute to Experian. They responded as verified. So I sent letter # 2 wth the inaccurate info on report. So we are back and forth ...

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 2020-02-25
Company: EQUIFAX, INC.
State: CT
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 have 3 hard inquiries on my credit report that I do not recognize. I have not applied for any kind of credit since I received my truck loan inXX/XX/2019.

The 3 companies are : XXXX/XXXX  XXXX, OR XXXX  ( XXXX  ) XXXX-XXXXXX/XX/2019 XXXX  XXXX, FL XXXX  ( XXXX  ) XXXX-XXXX   XX/XX/2019 XXXX  XXXX, TX XXXX  ( XXXX  ) XXXX-XXXX  XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Ive gotten charged by BBVA compass for NSF fees, they constantly charged me for a transaction debiting the money from my account and then recharging it again once pending wait is over. 
Overall for the month of XX/XX/XXXXXX/XX/2020 theyve charged me {$480.00} for nsf fees, last month XXXX in total of {$560.00}, in XXXX XXXX total of {$120.00}, and in total {$540.00} in nsf returned items charged. 
Thats in total of nearly {$1500.00} theyve taken from me. 
Its not okay especially during this pandemic, I get paid and Im left with nothing but some more over draft fees. I dont know what else to do Ive called them to resolve the issue and they wont provide me any assistance. Its been happening a lot lately and its draining me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have had a checking and savings account along with a line of credit with Bank of America for over 14 years. I fell on hard times at the end of 2019 and ended up making a payment arrangement with BOA to get my credit card caught up. I explained to the rep that based on my payment schedule with work, the first couple of payments would be at the end of the month which would require my payment due date to be adjusted accordingly, which I was told would be done without issue. These pre-scheduled payments were withdrawn from my checking account on the XXXX of the month instead of the XXXX, my original due date. I recently checked my credit reporting to find not only was none of this done, but the account has actually been closed and FIVE MONTHS of late payments were reflected for this account. After speaking with a rep at BOA to explain the issue, I was told there was nothing they could do even though it was THEIR REPRESENTATIVE who gave me misinformation as the woman I spoke with today put it. This is a card that I hardly use and they have given me numerous credit line increases WITHOUT my request to do so over the years, and yet the first time I have any sort of issue, they deem me a risk when this card has been paid satisfactorily for 14 years and close the account with notice to me as the consumer. This seems extremely counter intuitive considering I was still receiving messages for loan and credit offers while this entire mess was still going on.

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 2018-10-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have disputed the late payments on thisXXXX XXXX   XXXX account and XXXX XXXX XXXX for months.The credit bureaus refused to reverse them. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car for 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 non-monetary relief
Consumer complaint received 2020-07-21
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I withdrew {$200.00} from CashApp from a XXXX ATM and was charged {$5.00}. I would like to be reimbursed for the {$5.00} fee. On XX/XX/XXXX, at XXXX, I withdrew {$200.00} and was charged {$5.00} in ATM fees. I was charged {$2.00} from CashApp and {$3.00} from the ATM. I was charged {$5.00} for a total of {$200.00}. 

According to ATM Fees On Cash Card, cash cards work at any ATM, with just a {$2.00} fee charge from by Cash App. Most ATMs will charge an additional fee for using a card that belongs to a different bank. You can get all these fees reimbursed by receiving direct deposits to your Cash app. 

I used a XXXX ATM to make a {$200.00} withdraw. I was informed by a Cash App representative that as long as I use a XXXX ATM machine with the Money I wouldnt be charged any fees to withdraw funds. I also was informed that if I received direct deposit to my cash app I also wouldnt be charged any ATM fees. 



Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: LA
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:
Lets get Straight into this, All 3 Credit Reporting Private Companies has a account on my Credit report that shouldnt be on there. Actually by Law nothing should be on my Credit report sue to the Fact I havent giving anyone permission to report anything on my credit Profile I have the right of privacy They have a account from XXXX XXXX XXXX  and all 3 Private Data Reporting Companies have something different on their for the Account Status. Im going to start with XXXX XXXX, has the Account listed as In Collection/Charged off. This XXXX XXXXXXXX Account cant be a Charge of because that means that XXXX XXXXXXXX XXXX gave up the Debt in most cases filed a Insurance Claim, also will be receiving a Tax Write off.. As for the Collection part, how do the Credit Reporting even know that this account for XXXX XXXX XXXX is in Collections when a the Collection company at hand never even Posted yet. Another pointer is that until the Debt Collection Compnay sends over the Validation not Verification I requested the Acount may not even be mines. Im attaching a file with this letter showing that This account should be Deleted according without any Delay. 

Now on to Equifax. Equifax has this Account listed as a Charge off, and as I stated Earlier in this letter that this isnt a Charge off. A Charge off is when the Granting Company just throws in the Towel and take a full lost. Actually its not a Full lost because They fill an Insurance Claim to get paid, also write it off on their yearly Taxes. Basically they are getting paid twice for it, and also when a Company Charges Items off the Consumer isnt held reliable for that Account because the Granting company took it upon themselves to Charge that Account off. So please remove at Once. 

Now For XXXX. 
XXXX Also has this account showing as Charged off. Clearly you can read the above statement about Charge Offs, so Im not going to get into that. I could tell you this though., These Credit Reporting Companies are illegally False Reporting. This Account was never Charged off, nor do they know its in Collections. They are breaking the law, in the attachment Im attaching to this XXXX XXXXXXXX XXXX Clearly says they Sent these False Credit Reporting Companies a message to DELETE THIS ACCOUNT because they dont want their name on anything. Once again the Law has Been broken by these Private Companies whom call themselves a Bureau, when Actually their criminals due to the reason I didnt give my consent to post anything on their Reports or whatever you want to call it. My right have been violated, my right to my privacy must not be a Great American Law anymore. 

Please remove this Account from your reports or be prepared to be Sued In the Words of the late Great Donald Trump Lets make American Great Again

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Once again i am writing this complaint after trying to reconcile with your company. I have asked for the account to be permanently removed from my credit report. I have asked numerous time for the debt to be sent back to the original creditor. I have been going the reps on top of reps to getting this issue resolved. I have told PRA i do not want to work with a debt collector that i would rather resolved the issue with the original creditor. I am now asking for compensation of {$1000.00} do to this account having a negative impact on me. I'm asking for a full removal as i have already told PRA i am a victim of identity theft and that i don't know anything about this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Regarding Citizens Bank, XXXX, XXXX On XX/XX/XXXX I closed my personal savings account after undesirable help at this office. I then filed a complaint with OCC. 
On XX/XX/XXXX received a reply from Citizens Customer Resolution Dept which did not address my question of why I had to wait 6 days to get my money in cash - I gave them a notice of 2 days but the manager told me I had to wait 6 days - " because that is the way it is ''. I waited and went the 6th day and got my cash. 

On XX/XX/XXXX I left a messsage for XXXX XXXX - Office of the Chairman @ Citizens in Rhode Island who had sent the first letter. I stated that I had given several days notice to withdraw my money but I felt waiting 6 days was not appropriate. I never received a return call from Ms. XXXX and WE HAVE NEVER PERSONALLY SPOKEN ABOUT THIS ISSUE. On XX/XX/XXXX - received a letter from Ms. XXXX notifying me that Citizens " has elected to discontinue its account relationship with me by closing my husband and mine joint saving & checking account. This checking account has been in existence for at least 35 years with no problems. The closure is effective XX/XX/XXXX or maybe before if they elect to do so. My problem : My husbands social security check, retirement check, pay checks are all directly deposited to this account. We also have multiple automatic payments coming from this account. The closure of this account would be a financial hardship as this is how we get our money to live on. I do not believe that this is ample time to make arrangements at another bank. 
On XX/XX/XXXX my husband went to this branch to withdraw some of the savings money and he talked to the manager. Her and the teller said that " Mr. XXXX you name is not on those letters- only your wife 's name is. So, what he found out is that they will still do business with him but do not want me! I am sure this is total retaliation against me for filing the OCC complaint. I am very willing, however, to take my name off the checking account if they let everything remain the same and without opening a new checking account to save us switching all auto deposits/deduction to another account. 
The OCC can not give me any help until they finish their investigation and that could be up to 60 days! We will be sunk without our money. Can you help me/direct me to get some help quickly so as to not let us be without our monthly income. thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: BAM Management US Holdings Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
To whom it may concern. 

Id like to submit a formal complaint about Binance US, their customer service and the quality of their service in general. 
Ever since I created an account with Binance US approximately six months ago, I have encountered number off issues. Even though I went through all the required steps of verification, I would experience The issues with Binance system that would not allow me to purchase cryptocurrency, or sell cryptocurrency, or transfer the money from my checking account to USD wallet on Binance US, or it would not allow me to plug in my debit card. 
When I would write a message to customer service, it would take them days to respond. It would be weeks before they do anything. And they would ask me to email them very sensitive personal financial information even though I already submitted that information before, even though everything was verified by their system, even though I have already made purchases and money transfers before. But they would be asking to email them more information like banking statements for the last few months etc. And then they would say that they had to do that to white-list my account. I dont even know what that means. When I would ask them questions why my account still didnt work even though I went through all the proper notification steps, and why they are requesting more of the sensitive documents, they would not answer questions, and they would be kind of rude in their email response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: DE
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:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : 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