BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-11-24
Company: EQUIFAX, INC.
State: TX
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:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: AXOS FINANCIAL, INC.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is my 6th complaint against Axos Bank with no resolution. After telling me XXXX has denied the chargeback and still no valid tracking information has been provided. Axos advised me to work it out with the merchant. ( Again ) here is XXXX response from the XXXX and an email from the exclusive resolution team. here is the NEW information. no further resolution will be available with the merchant I need the chargeback completed. as the order WAS NEVER received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: AFNI INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ended my XXXX  service in XX/XX/XXXX. In XX/XX/XXXX, XXXX  sent me to XXXX XXXX   XXXX  for collection of my account balance. I settled this account for 50% of the amount owed on XX/XX/XXXX, approximately $XXXX. XXXX   paid the money to XXXX, and discharged the account back to them on XX/XX/XXXXOn XX/XX/XXXX, I received a notice my credit score had dropped 20 points due to a collection by AFNI being placed on my credit.I was NEVER BILLED BY AFNI. I called AFNI on XX/XX/XXXX and pointed this out, they said it was for the same XXXX  account and bill.  I explained this account was settled in XX/XX/XXXX, the remaining balance was the 50% written off by the settlement. They didn’t care that they posted to my credit without billing me and told me to resolve it myself.  After hours on the phone with XXXX, and XXXX XXXX XXXX, XXXX  said they had no record of my settlement (even though they had the payment and claimed I made it on the automated system), or ever sending me to XXXX, and told me the only way to resolve this was to PAY THE REMAINDER of my bill. I got proof of settlement from XXXX, and called AFNI again, today, XX/XX/XXXX, and spoke to XXXX, who spoke to his Supervisor XXXX, who confirmed AFNI never billed me to give me a chance to resolve this, before hitting my credit and dropping my score 20 points! This call; AFNI acknowledged this violation, and said they would fix it immediately and remove it from my credit.However, XXXX  continues to state they only ever sent me to AFNI, and said I would need to mail in a dispute.    XXXX  continues to claim no record of sending me to XXXX  and basically called me a liar. XXXX  claims they sent them the settlement information on XX/XX/XXXX, and XX/XX/XXXX. I am XXXX  and don’t have a printer, nor am I able to get to the post office, I asked for an alternative way to get this info to XXXX and was refused any alternate communication to accommodate my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: SYNCHRONY FINANCIAL
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
we have been making payments every we have gotten behind and have not been able to catch up.

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 2017-06-30
Company: EQUIFAX, INC.
State: AZ
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 already addressed XXXX 's incompetence and illegal reporting of a a student loan account that was discharged in my Bankruptcy in 2010 and had it removed once. Now it is back XXXX up my credit again reporting a balance and lates month after month and needs to be deleted ASAP!!! Attached is a screenshot of the illegal reporting and the page from my BK clearly showing it was included and discharged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian has XXXX employees to answer questions via phone or via chat and they are dealing with our financial information! If I am being forced to use this company they should be forced to have employees man the phones. I had a freeze put on my credit due to a data breach by a large company many years ago. I do not remember my pin, I did the online retrieve you pin and it said I need to mail in required documents. I called to see if I could have it reset, no answer and message said to see the website, and the website says mail-in documents. I also tried old echat email and I got auto-reply to call in and you see how that went. I tried to remove this before and gave up but now I need it removed so I can buy a home but at this point, the home will be sold before Experian thinks about processing my request. They have an area where you can upload document but you can't use that portal for freezes! This company is the worst!!! Remove my freeze and I'll check prior to doing business with a company that they do not use Experian as their primary agency.

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 2020-06-15
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2016-10-19
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
XXXX co-branded airline credit cards ( XXXX XXXX XXXX XXXX XXXX, Citi XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Visa ) offer free baggage checking to the primary card holder and accompanying passengers. But this benefit does not apply to non-primary cardholders flying alone, though they do possess their own co-branded card with their own name and a linked account number. On at least 2 occasions, my spouse, when traveling alone, was denied free baggage checking, even though she had the appropriate co-branded airline card. this is blatant discrimination against the 'little woman traveling without hubby '. These credit cards issued to by the non-primary cardholder are valid for any purchase around the world but can not be used for the benefit of free baggage checking when the non-primary card holder travels alone on the appropriate airlines. The fees for baggage checking seem to start at {$25.00} or more for each trip and would be even more with minor children traveling often with a woman not accompanied by her husband. I think all such fees should be disallowed and refunded to all spousal passengers who have had to pay for what would have been free if 'hubby ' had also been traveling. I blame both the financial institutions issuing the credit cards and the airlines for coming up with these restrictions. The fact that these restrictions are vaguely mentioned ( " all passengers traveling with you '' ) in the information sent with the credit cards does not make it fair or reasonable. Thank you for your attention to this matter. And I hope the CFPB manages to survive intact despite the desires of those who are so offended by a government agency protecting citizens who are victimized in financial matters.

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 2019-12-28
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company ERC keep putting collections on my credit report. I have disputed this several times resulting in the items being removed from my credit report only to appear again later making my credit score take a major hit each time. I have sent letters in the past to the 3 credit bureaus and ERC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: EQUIFAX, INC.
State: TX
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 ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, My wife and I recently refinanced our mortgage through Mr Cooper. At the time of our application we had a rate lock at 3.125 % Everything went smooth but took a long time but that wasn't an issue with us. The day or two before we were to close on the mortgage we got some documentation that said our rate was 2.250 %. I called and talked to our rep. ( XXXX XXXX ) and he told me the rate was changed approximately two weeks after we locked in our rate. He had no idea why it changed. He also told me to correct it we would have to wait for the loan to go back through the entire underwriting process again. we told him to proceed with the closing because this was taking a long time. I then called the person who started the process XXXX XXXX XXXX ) and she said that it would have only delayed the closing a day or two. I realize that .125 % doesn't sound like much but we will be paying more than we should every month for the next 15 years. The rate was changed without our knowledge or consent. The additional payments will total about {$1900.00} I called and talked to XXXX and XXXX and was told someone would get back to me but never did. Their contact info is XXXX-XXXX and XXXX 's is XXXX ( XXXX ) We feel that changing our rate without any consent or explanation is not only unethical but also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: Selene Finance LP
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In getting the necessary paperwork for a mortgage refinance, the Bank that is doing the refinance ( XXXX XXXX Bank ) requested a loan payoff statement from the current holder of the loan ( Selene Finance ) on XXXX XXXX, 2016. XXXX XXXX Bank has made at least XXXX follow-up requests and Selene has still not provided the statement. I called Selene personally on XXXX XXXX and again on XXXX XXXX virtually demanding a response. Their response to me on the XXXX was that it would take a minimum of five days. After I demanded that the clerk follow up with a supervisor she came back on and said that I could " expect '' to get the statement on the following day. She explicitly offered no guarantee. When it did not arrive, I called and insisted on speaking to a supervisor myself. XXXX XXXX came on the line and was ever so conciliatory, agreeing that two weeks to comply with our request is unacceptable. He suggested that I have the statement emailed to myself rather than faxed to the bank. He could not be sure that their phone lines are reliable. I gave him my email address using the international phonetic alphabet, which he said he understood, and he read it back to me correctly. I have still not received the requested document. I can see now that XXXX XXXX XXXX is the epitome of passive aggressiveness. It seems that I am being punished for being forceful. Being patient and polite did not work. Being forceful did not work. The refinance will save me about XXXX dollars per month in mortgage payments. The only thing holding it up is this XXXX document that Selene seems to be refusing to provide. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX, XXXX To Whom This May Concern : On today, I attempted to pay my bills with both of my personal and business debit cards and found that both of my Regions debit cards were closed. Of course, I was shocked to say the least. Having savings and checking accounts is an indispensable part of anyone 's financial stability. I have been a loyal and long-standing customer with Regions since XX/XX/XXXX. I have never been a financial liability with Regions. So I am not understanding why my cards have been closed and why I am being threatened with closure of my checking accounts. 
I want answers and I want my cards re-issued so I can pay my bills. I have always paid my bills in a timely manner. 
The actions by Regions is causing me harm and hampering my ability to pay my bills. 
Regions closing of my accounts and business relationship is affecting me getting accounts with other banking institutions. 
In XXXX XXXX, someone stole my Business Account Debit card and attempted to use it at an ATM machine in XXXX Georgia. Regions sent my card to the wrong address. The address listed on my Regions account was changed by an employee. The apartment number was removed from my Regions Bank information. I reported this to Regions customer service but nothing was done about it. I applied for a credit card and was granted it and was told by the Regions employee that took the application that the card would be sent to the bank. I called Regions Credit Card department on tonight and they said the card was not sent to the bank but the wrong address that is listed on my Regions account. This is the same address where someone gained accessed to my debit card in XXXX XXXX. 
I hope Regions Bank will rectify this problem. Regions have approved me for a mortgage and credit card and this is where I have done business for the last 22 years. 



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 2022-07-21
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
Went at the Branch XXXX BANK, XXXX XXXX XXXX XXXX Ca. 
Order foreign currency XXXX on XXXX XXXX They said they will call me went they have this money. I already paid XXXX for the exchange. Yesterday XXXX XXXX went at this bank ( the Director who did the transaction was on lunch time that mean she didn't come talk to me about this situation ) them I ask went the money will be there and no one can't tell me when the money will be at the bank. Call service XXXX BANK they don't care this situation. Call fraud service XXXX BANK again they don't care about this. Now, call the Branch a XXXX. No one answer the phone you can't leave any messages and talk with someone. Today XXXX XXXX they call me let me know my money was there???????? 

Why the bank take a week give me my money? This is fraud...

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 2022-07-21
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I first initiated my XXXX withdrawal with my company on XX/XX/XXXX of XXXX dollars. I waited for over 3 weeks and saw no deposits into my account. I chose direct deposit option since I thought it would be faster. I called my retirement company and they said that the money had been deposited on the XX/XX/XXXX and had already been cleared. They advised me to go the bank and ask them about the deposit. I went to my Huntington bank and asked about it and they said that there was no deposit. I went to another bank and they said couldnt find anything although I told them the amount of the deposit and when it was deposited. They said if the account number or my name on the deposit didnt, that it wouldve been rejected. I called my retirement company again and they gave me a trace number and went over again the account number with me. Turns out that the last two digits on the account number werent correct. So I went into the bank with this info and they finally found where my deposit went. My money went into another bank account. They said that they were going to transfer my funds from the other account into mine. A few days past and they called me and said that the person with the other account that my money went into had already spent pretty much all of my money and that they couldnt get me my money back. I was really frustrated and upset that they would allow the deposit that had my name on it go into another persons account. The bank told me that there was no name on the deposit and only had an account number and routing number. I called my retirement company and asked why there wasnt a name on my deposit. They said that there was a name and all the info needed for it to go into my account. Next day i went into the bank and gave them the info that the retirement gave me and they said there was a name on the deposit but that they only check the routing number and account number that they dont check names. Makes no sense to me why wouldnt they check the name on the deposit and allow it to go into another account. There should be more security and more people being more thorough with handling money. Shouldnt be just anyone handling those deposits. I just lost XXXX dollars due to these negligence. I really want my money back from the bank and fix this mistake that they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
We had {$8.00} in our personal checking account on XXXX/XXXX/2016 posted as available balance. We made a purchase for {$3.00} and {$4.00} the morning of XXXX/XXXX/2016. That night ( several hours later ) a charge came through from XXXX XXXX for {$140.00}. We knew this charge would put us negative and we knew we would have to pay a {$36.00} overdraft fee. This single fee was something we decided we would have to incur to get our bills settled. Regions Bank took it upon themselves to rearrange the transactions so the larger debit came out first. To me this is simply fraudulent activity. They arranged it so we would now have XXXX fees to pay. I called Regions customer service and told them I wanted to change my account number and opt out of overdraft protection so I could attempt to fix the damage done. The lady I spoke with assured me that since my account was already negative I would not have to change my account number. I was told Regions would not allow additional charges to be made to the account. At this point I was n't sure if the reason was because I told them I no longer wanted overdraft protection or the fact I was already negative. Either way, I believed what customer service had told me. Sure enough, XXXX/XXXX/2016, XXXX more charges were allowed to go through to my account. I have been in email contact with Regions customer service where they are trying to accuse me instead of taking responsibility for what their customer service told me. I called customer support and I was told the checks would be returned and a {$36.00} fee ( same as their overdraft fee ) would apply to my account for the returned checks. This is after I was told no more charges would be allowed through to my account. I wrote a responding email to customer support explaining to them their mistakes, again, and I will only be paying the {$140.00} and {$36.00} fee. They declined to offer assistance.

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 2020-06-15
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the full amount to the original creditor which was XXXX XXXX and have the receipt showing paid in full but IC SYSTEM don't care and keep posting delinquent on my XXXX  and XXXX  account. They said I should have paid them instead. They are a bad collection agency. XXXX  said they already asked IC SYSTEM to be removed from my credit but they refuse. Please help

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