BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-25
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: Account information incorrect

Complaint:
All 3 credit reporting agencies, XXXX XXXX and Equifax are showing 2 mortgages fro me when we only have one. We refinanced in XXXX, XXXX XXXX XXXX was the first mortgage holder but them immediately transferred it to XXXX XXXX. The balance was approximately {$310000.00}. So the agencies are reporting 2 mortgages which though we are rated Exceptional still on credit worthiness, i has knocked my score down based on comments on their websites. I mean why to these companies get to charge for incorrect information. We would be better off with 1 that actually was corrrect 95 % of the time.The information is currently incorrect on each reporting service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Phillips & Cohen Associates, Ltd.
State: CA
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 have reported my concerns and my problem to the better business bureau, the consumer financial bureau, XXXX XXXX XXXX, The Office of the Comptroller of the Currency ( OCC ), and the Consumer Financial Protection Bureau. I have not heard anything back from XXXX Bank. No one affiliated with the Bank has tried to call me back by, email and I didnt even receive any mail communication. I am planning to do whatever it takes to have this establishment fix its mistakes and I am not going to settle this negligence until I receive a call back from one of XXXXXXXX XXXX XXXX with an apology and resolution to lower the interest rate on my account, remove monthly fees after reopening my account after removing the negative reporting to XXXX major credit bureaus ; XXXX XXXX XXXX XXXX 
I will be waiting to hear from XXXXXXXX XXXX  XXXX, and I am more than willing today and, in the future, to take their calls and listen to what they have to offer to resolve this issue. 
Lastly, I received a letter from a collection agency to which XXXXXXXX XXXXk sold the debt to, and I reached out to them via USPS mail, and via email twice and I havent heard back. 
I can always provide proof of these communications when/if needed. This is the name of the collection agency that reached out to me ; Phillips & Cohen XXXX XXXX XXXX XXXX, XXXX, DE XXXX ) and their email is ; 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 2021-10-31
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
There was a fraudulent checking opened with the bank that was subsequently mishandled, overdrawn, and closed as a result of ID Theft. I have contacted the bank on multiple occasions to let them know that this account was opened fraudulently and they refuse to do anything to help me. The last written affidavit I sent in I attached a copy of my social security card as proof of ID, and they updated the social on the checking account to reflect what was on my card, as the account was opened with a variation of my social security number. These accounts are now reporting to major reporting bureaus and have caused my accounts elsewhere to be closed.

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 2021-04-09
Company: E*TRADE BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In reference to checking account XXXX, Etrade bank unilaterally returned all the payments to merchants/billers without customer 's consent, between XX/XX/2021 XX/XX/2021 The return of payments is a violation of ACH rules per XXXX  guideline. Merchant banks will be reporting the violations to XXXX for enforcements. 
Return reason code R10 ( Customer Advises Originator is not Known to Receiver and/or Originator is Not Authorized by Receiver to Debit Receivers Account ) was used. 
Consider, the transactions are authorized by the account holder, the funds in the amount of XXXX should be released back to account holde.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This has happened twice : Citizens Bank has attempted to withdraw funds from our Citizens Bank Account to pay our mortgage, as part of an automated payment plan. We have asked this payment to be delayed for one to two days, but the withdrawal is attempted by Citizens, resulting in an overdraft and missed mortgage payments. Citizens has, on both occasions, emailed us saying, " Confirmation : We received your home loan payment ... THANK YOU FOR YOUR PAYMENT Hi XXXX, Thanks for your recent home loan payment. 

HERE ARE YOUR PAYMENT DETAILS : Process Date : XX/XX/2021 Amount : {$4800.00} Your next payment is due on XX/XX/2021. '' In actuality, even though they confirmed the payment via email, they never withdrew the funds. This has led to one late payment and one nearly late payment. Why is a bank allowed to confirm a payment in writing, but not actually have the payment processed? This leads the consumer to have false assurance that their mortgage has been paid, allows the bank to charge overdraft and late fees as a result, and leads to impacts on credit ratings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: REGIONS FINANCIAL CORPORATION
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:
Regions Bank claims that I have a loan I took out with them this happened when I went overseas for a year I never took out a loan with regions Bank I have tried to correct this problem with them several times they will not change it on my credit report I did not apply or sign for a loan with regions Bank they are unable to produce a signature on this loan I am hiring a lawyer and also going to get a lie detector test and bring the results to the hearing when we have a hearing on that I am going to charge regions Bank with all lawyer fees and the lie detector test this is the only way I know that they will take it off my credit report they accuse me of opening this account when I did not open it regions Bank will be responsible for any lawyer fees and the lie detector test to prove thate I did not take out this loan

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 2021-04-24
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: Information belongs to someone else

Complaint:
THIS XXXX XXXX XXXX XXXX  ON MY REPORT FOR EXPERIAN SHOWS A CHARGE OFF THAT IS INACCURATE INFORMATION. PLEASE CORRECT THIS INFORMATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
On XX/XX/2020, I sent off a dispute to Transunion to correct my personal information. I put an initial fraud alert on my credit report because I was so concerned with the personal information that was on my credit report. I sent in proper identification of my legal name and a list of addresses that I only known to be associated with and Transunion failed to fix and update that information. They also failed to give me a reason of why they refused to update my personal information. I am really concerned about my credit and am currently investigating the accuracy of these 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 explanation
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: NV
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:
On XXXX I received a noticed from XXXX XXXX that equifax reported a Hard inquiry into my credit. This inquiry lowered my credit score approximately five point for up to two years. I called and spoke to Equifax, they told me contact XXXX XXXX XXXX. I contacted them and explained to them and told me that they were the one 's that did the hard inquiry. I asked them why they did the hard inquiry and the told me from time to time they will do hard inquiry 's to see if they could offer a unsolicited loan and or a credit card. This is not right, I don't have a open account with them and I didn't ask request one. Please help. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My cousin passed and I became the Successor In Interest on the mortgage. The house was deeded over to me about XX/XX/XXXX, or one year ago. 

Since XX/XX/XXXX, about three weeks ago, I and my title company have been trying to get Rushmore Loan Management Services LLC to send a Mortgage Payoff Estimate. Rushmore has lied and dragged their feet about creating this loan payoff estimate. Most other mortgage servicers accept a borrowers telephone request for the Mortgage Payoff. The other mortgage services do not require anything in writing to get the Payoff Estimate. It is time critical that Rushmore respond immediately with the Loan Payoff, good to XX/XX/XXXX. This must occur today and with no more delays!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXXXXXX XXXX Late Date XXXXXXXX XXXX XXXX XXXXXXXX Late Dates 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 2017-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Attention : Credit Bureau Disputes Department Over 30 days ago I wrote to your institution advising you of negative account information on my credit report which was flat out incorrect and erroneous. I researched the information and after not having the creditors able to validate any of it, I only then reached out to you by mail to get these items removed. Much to my disbelief you claimed that these items were largely valid and would remain on my credit report. The same creditors you claim to have contacted are unable to verify the accuracy of the account information

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 2020-08-24
Company: Applied Data Finance, LLC
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company is operating in predatory practices and its operation is more analogous to the practices of a loan shark! Unfortunately, as a recent XXXX student, I was put in a predicament that forced me to either apply for this particular loanor be homelessand I chose the former. Within this timeframe that I applied for the loan, I was working and anticipated to pay back the loan before the loan terms indicated. However, a global pandemic called Covid-19 happened to the world. Shortly after, I was laid off from work and was unable to get a job for months. As such, it made it extremely difficult for me to pay my bills, rent, and expensesincluding to Personify Financial. 

When I gain employment, I made a total payment of {$3000.00} for a loan in the amount of {$4700.00}, and currently, Personify has only applied {$360.00} towards my principal and {$2600.00} towards the interest of this loan. The current interest rate is 93.50 %, at this rate ; by the time this load is paid off, Personify would profit close to {$15000.00} or more on a {$4700.00} loan. Of this {$4700.00}, I was only issued {$4500.00} because I was also charged another fee before the money was issued. Even with all my efforts to pay this ridiculous loan, my outstanding balance remains at {$5200.00}. This amount includes the {$3000.00} that I have paid to this company.

Personify Financial is nothing short of a loan shark. This is a predatory loan. It is unfair and unethical. This company needs to be under investigation for its immoral practices. To add insult to injury, this company preys on the most vulnerable population, those who are in desperate need of survival. Living in a country where you must decide whether to buy groceries or pay your bills. The XXXX XXXX XXXX XXXX act states the lenders must engage in fair lending practices. I feel that this company is not engaging in fair business practices and they are taking advantage of consumers. Further, XXXX XXXX XXXX should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: PNC Bank N.A.
State: OH
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:
NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CROA requirements!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Shea Mortgage Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
We where in the process to purchase a Home at a Community that This Mortgage Company has. The issue was this company gave us wrong information in regards credit score and no inventory to purchase and information to go ahead to run the credit report. I had to open an investigation with the Credit Bureaus a d contact them to find out that your company told us was extremely low we are talking about a credit score XXXX to be lowered supposedly XXXX this outrageous. Also this Company refuse to show us the scores nor give us the source of your third party company witch was extremely wrong. I wanted to stress this incident also it reflects the unprofessional service and malice and discrimination process to the FTC Credit Laws in our State.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: First Credit Services Inc.
State: MA
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:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: eToro USA LLC
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I opened a crypto coin trading account on www.eToro.com and have had nothing but problems both funding and withdrawing from my account. 
I have been getting the run around trying for about a month now to withdraw my funds VIA wire transfer. 
They, eToro has me worried about stealing my money now.

I have had multiple e-mails with support and a couple online chats that have not resolved my problem. I have been to my bank at least three time getting requested information concerning the wire transfer for my withdrawal.

My latest e-mail and chat attempts have been ignored. 

I started with {$5000.00} wire deposit XX/XX/2021 and since deposited {$300.00} XX/XX/2021 via debit card. I decided just to close my account XX/XX/2021 and initiate all my remaining withdrawal of {$4600.00}. My money was taken away from the available funds in my account and has since been in limbo. 
I submitted the new routing information eToro support requested and was assured that my funds were to be transferred XX/XX/2021. I did not receive it as of yet XX/XX/2021 and attempts to communicate e-mail and online chat has been ignored or unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: AMERICAN EXPRESS COMPANY
State: NC
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: Overcharged for something you did purchase with the card

Complaint:
This is a complaint against XXXX XXXX and I am sure it is one of many similar ones. 

It is absolutely inexcusable that one has to wait literally hours, at times up to XXXX XXXX, to speak with a XXXX representative on the phone. An error was made when I was booking a flight on XXXX 's web page. On XX/XX/XXXX I thought that I had made and paid for a reservation for a friend to fly from XXXX to XXXX XXXX. I was surprised when an email confirming the transaction did not come through immediately but since I usually use another airline I thought this just might be peculiar to XXXX. However when I had not received any confirmation the following day I checked my VISA credit card and although the charge was pending, there was no reservation on my XXXX page. I waited another day and saw that the charge was still pending on my cc but since I needed to have the ticket another one assuming that the charge would be deleted from the cc since it was obvious that XXXX had no reservation for me. This time I used used my XXXX American Express card to make the exact same reservation as I had a couple of days ago. The confirmation came through immediately. 

Since I could find no reservation in my XXXX reservations on-line I was certain that the " pending '' credit card charge wold cease to appear on my Visa card. However, on XX/XX/XXXX the charge was posted on the Visa card for the original purchase but there was still no ticket or any record for it.. I have tried for a week to get this resolved but have been unable to get through to a XXXX rep. I have waited a total of XXXX XXXX on the phone and finally gave up and drove to the airport yesterday XXXX XX/XX/XXXX ). The agent was unable to resolve the issue. She did, however, find the 2 records and printed the receipts for me. The first charge was on a visa card XXXX XXXX XXXX XXXX XXXX for XXXX. I had a {$100.00} e-credit that I used with that ticket. On XX/XX/XXXX, the second charge was on my American Express/XXXX  card for {$550.00}. I am requesting a full refund of {$550.00} to be returned to my American Express card Yesterday at the XXXX airport I was given another phone number to use. Again NO success. When I started that phone call at XXXX last night the computer said the wait would be less than XXXX. After sitting with the phone to my ear for XXXX XXXX, I gave up. This is totally unbelievable and unacceptable. When the airlines receive bail out funds they should be required to provide decent service to their customers. 
I am at a loss as to what to do but am unwilling to me kept on hold anymore for HOURS with XXXX nor to simply let the airline retain my money.

Company response to consumer: Closed with explanation