BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
The underwriter for our mortgage through Citizens Bank, XXXX XXXX, has deliberately been delaying our mortgage process. The mortgage application was begun in XXXX 2015. It is now XXXX 2015, and we still have received the clear-to-close from the bank. 
In XXXX 2015, XXXX XXXX finally informed us that there is a termite inspection requirement. She also made a false statement saying that the inspection can not be paid for by the veteran ( myself ) applying for the loan. This is in direct contradiction to federal law ( See XXXX XXXX XXXX ). After informing her of this law, she continued to insist that the veteran can not pay for it. 
Furthermore, XXXX XXXX waited until XXXX XXXX, 2015, to request the results of the water test, which was performed on XXXX XXXX, 2015, which were also forwarded to her at that time. The test consisted of XXXX XXXX and coliform. XXXX XXXX then requested that nitrites, nitrates, and lead be included in the test, again falsely claiming that this was required by the VA. I spoke with XXXX XXXX at the VA Home Loan Center, who confirmed that this is not a requirement by the VA. After informing XXXX XXXX that I spoke with the VA, she redacted her requirement. 
XXXX XXXX then requested a structural inspection of the property, once again falsely claiming it is a VA requirement. And once again, XXXX XXXX at the VA Home Loan Center confirmed that this was not required by the VA. After again returning to XXXX XXXX , she then changed her story and stated that the structural inspection is a requirement of Citizens Bank . I asked her why she did not inform us of this inspection at the beginning of the process, 3 months ago, and she did not produce a response. 
In the beginning of the mortgage process, Citizens Bank informed me we would close on our property in XXXX. I correspondingly made arrangements for my new employer to begin employment at that time. Since we still have not closed on our house, I have been driving XXXX miles a day between XXXX and XXXX County, paying tolls each way. We sold our apartment in XXXX, but since we could not move into our new house, the buyers of our apartment allowed us to continue dwelling there. They finally could not tolerate the delay any longer, and I am now living under my desk in my office, and my wife is living on a couch in XXXX. All of our belongings are in a temporary storage unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: MA
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:
XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX  account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumers to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate. 

remove all accounts that are closed but still keep popping up account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX remove all accounts from this report that are closed but still keep popping up due to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
We advised the credit bureaus that XXXX, XXXX XXXX and XXXX furnished them with incomplete and inaccurate information. Review the attached documentation which was sent to each of the aforementioned banks. They detail inaccurate information we were given at the time of hurricane XXXX. The incorrect information was relied upon to make financial decisions we would not have otherwise made. We wrote to each individual bank and have escalated it to the highest level and have filed complaints with the Consumer Protection Agency. We have also filed complaints on-line and made telephone calls directly to each of the credit bureaus. We stated that the information reported by the banks was inaccurate inasmuch as it does not reflect the entire circumstances of events fairly. IT DOES N'T TELL THE WHOLE STORY. This is a violation of our rights under the, " fair credit reporting act. '' During hurricane XXXX both XXXX and XXXX XXXX verbally authorized via the customer service department a Disaster Relief program and/or moratorium of mortgage payments. At that time, neither bank fully disclosed how the waived payments would be repaid. We were told by both institutions that the missed payments would be added to the end of the loan. Both institutions told us after we had already taken part in the moratorium of mortgage payments that they must be paid in full at he end of the waived period. XXXX involvement is limited to having bought the loan from XXXX and has continued to report us late to the credit bureaus. However, since XXXX took over our loan in XXXX 2014 we have not missed or been late with a mortgage payment. Furthermore, if you research the history of loans with XXXX and XXXX XXXX, you will find that we have never been late or missed a payment and we are not in any foreclosure proceedings. However, the past reporting which still remains on our credit report has caused irreparable damage to our credit scores, my employment and our quality of life in general.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: ERC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have requested validation from Enhanced Recovery Company and the letter was delivered XXXX XXXX, 2015. I have not heard from the companies nor have they bothered to validate or remove the invalid debt from my credit report. 

This is now damaging my credit making it harder to secure a mortgage. This is criminal behavior at best and without proving that I owe a debt after requesting evidence, how are they allowed to continue to damage my credit and good name without punishment?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-11
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
1. Healthcare Collections is attempting to collect a consumer type debt allegedly owed by Plaintiff to XXXX with account number XXXX in the amount of {$250.00} ( the " Debt '' ). 
2. On or about XXXX, I sent a letter to Healthcare Collections requesting validation of the alleged Debt. In this letter, I stated that I had no knowledge of this debt and disputed it. 
3. Sometime around XXXX, Healthcare Collections sent a letter attempting to collect the alleged Debt. 
4. On or about XXXX, I obtained my XXXX credit file and noticed that Healthcare Collections reported the alleged Debt in the amount of {$250.00} This stated that the date opened was XXXX, which is false. Further, Healthcare Collections did not flag the alleged Debt as disputed, in violation of the FDCPA.

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 2021-11-23
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX. Chase bank has been holding my funds from a deposited check for almost XXXX business days. I deposited the check on XX/XX/XXXX. They informed me the funds will be available on XX/XX/XXXX. That is an unreasonable amount of time. I called the company, and they redirected XXXX times for a total of XXXX hours. I still have yet to receive a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: LEXISNEXIS
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: Was not notified of investigation status or results

Complaint:
On XXXX I XXXX XXXX sent a letter saying there are wrong and unknown things on my credit report involving Lexis Nexis. It has been over 30 days later I have not received a response yet. I feel like I am being wrongly treated, ignored of my disputes, as well as having my Privacy violated under 15 U.S. Code 16 81 ( A ) ( 4 ) due to the items being reported. I believe failure to look into these items within 30 days gives a reason to quickly remove those items from my lexis nexis/credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. There is a FTC report as well due to My information also being impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
We kindly requested MANY TIMES to update my negative credit reporting to the agencies. 
XX/XX/XXXX And XX/XX/XXXX XXXX can attached the bank statements where the payments were made on time! 
During this PANDEMIC PERIOD I tried to explain my hardship situation to the different SPS customer services agents and different letters I sent and Only received the notification of received general acknowledgments From XXXX XXXX, and XXXX Beside that I paid the amounts to qualify for the deferral agreement which was signed until 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 2016-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call frequently my workplace and my cell phone multiple times a week. The debts they own are beyond the statute of limitations. They also frequently send letters. Account is not reported on credit report it is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: Stellar Recovery, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Old Debt they re opened. This account has been closed for over XXXX years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: ALLY FINANCIAL INC.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I contacted Ally Financial on XXXX/XXXX/XXXX about the fact they were reporting ( 2 ) 30 day lates on my XXXX and XXXX Report dated XXXX and XXXX yet they were reporting XXXX 30 day late on my XXXX Report dated XXXX. I never had a 30 day late on the account from XXXX when opened until XXXX when traded and paid off. I was told by Ally that it would take them XXXX 5 days to get it corrected. I called them back on XXXX/XXXX/XXXX and they stated I was told incorrectly and that it would take at least 30 days to get a response. They changed the XXXX Bureau on XXXX/XXXX/XXXX to reflect XXXX late payment in XXXX but under status it still showed ( XXXX ) 30 day lates plus they updated the XXXX to XXXX so it brought my score down and they are still reporting it incorrectly. I contacted them again today and was told it would take another 30 days to look into it but that I did have ( XXXX ) 30 day lates in XXXX and XXXX I had all of my notes, dates when I called in and bank statements and the lady stated that the account was in a deferment in XXXX and that it was deferred in XXXX yet I made a payment on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. They said they did not have a record of where they changed the due date on the account at any point and the contract due date was the XXXX yet they mailed me a confirmation that it was changed to the XXXX of each month. They stated they did not have access to my XXXX/XXXX/XXXX phone conversation. Basically they are reporting erroneous information on all XXXX bureaus and they want me to wait another 30 days for them to correct it despite telling them i was in the process of trying to save our home and refinance it and they keep getting the information more messed up. I want all the late 's removed from all XXXX credit bureau files immediately and for the bureaus to reflect paid as agreed and never late as it should. I should n't be penalized for there errors.

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 2019-12-11
Company: CREDIT ACCEPTANCE CORPORATION
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 information incorrect

Complaint:
Credit Acceptance Corporation has reported multiple insurance purposely to different credit agencies. The car was bought with a former spouse. The former spouse disappeared and I filed for dissolution of marriage. Since I left with nothing but the clothes on my back and left my former spouse everything including money, apartment, and vehicle, in the decree, the Superior Court Judge awarded her all property. I solely kept the vehicle I purchased when I left.

As a note, it took months to process the dissolution of marriage as event the sheriff 's office could not find her to serve the documents. My lawyer and the judge made very clear that I would be losing all rights to the vehicle and the possessions I left with her.

When I called Credit Acceptance Corporation, I was cursed at, told that Credit Acceptance will does not have to abide by what a judge says in another state and demanded payment or adverse credit reporting will continue. I contacted another legal team to deal with Credit Acceptance Corporation.

Just a look at consumer reviews are enough to send chills down your spine.

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 2016-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Numerous requests over the years to remove credit card information from my profile with no results. I have a Superior Court Judge judgement from 1989 attached, showing I 'm not responsible for this account and they will not remove and impacts my ability to get the best rates.

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 2016-10-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
XXXX I am writing regarding a previous complaint. I submitted the complaint ( 9 ) days ago. The # CFPB gave me for it is above. I tried to " CHECK STATUS '' but the page it jumped had no info. The complaint history - on a different page - states : Sent to Company. 

I received a phone msg. from the XXXX office on the XXXX or XXXX, asking me to call them. I have called ( 3 ) times. No other messages were forthcoming and my calls where not returned. I have no idea what the status is and my account and the fee money remains with the bank. 

The complaint is regarding fee and charges that were unfair and excessive. I post dated a check and it was cashed early with a {$6.00} short in the amount to clear it. Since the check was cleared EARLY, I received {$95.00} in fees. The fees are disproportionate to the shortage. The banks are allowed to charge outrageous fees. 

The account is a small business account. I paid out {$600.00}. to employees in cash because I could not use the account. 
Another fee was charged when a campsite establishment made an unauthorized use of a debit cards " on file '' and ( 5 ) days after our stay used the wrong card, caused another fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-29
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was a XXXX customer for a couple months and i agreed on an amount on a 2 year contract and that was XXXX dollars a month everytime i got my bill it was higher than the agreed on amount so i just kept paying my XXXX dollars and then late fees happened so i canceled the contract because they broke the contract agreement and submitted my account to multiple debt collectors and now its with XXXX that was already removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-27
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I live in California which puts a cap on the amount of interest a debt collector can charge in interest by debt collectors. This is in regards to an old XXXX XXXX XXXX bill. Which shows as the amount owed to the original company as {$150.00} and now with the collections agency it 's more than tripled which even at the highest interest rates is impossible were I living in XXXX of the XXXX states without a legal interest cap debt collectors can charge by law, but luckily I live in California. I would like to take care of this so that it 's off my credit report but the company states I now owe {$500.00} rather than the {$150.00}. Please investigate this, I was told that this collections agency previously had its authority revoked for similar issues experienced by multiple consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-02
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This alleged debt was previously reported and disputed with another collection company and subsequently removed from my credit report. This company has sent no notice to me that they have the debt or of my rights to dispute. They simply re-aged it and put it on my credit report as a new collection. I only became aware when my credit monitoring service alerted me of the new listing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX This company has charged me for taxes on a parcel number that does not belong to me! They said it is on my legal documents but when I looked at my paperwork, I have one property and one parcel number. I already contacted my local tax office. The other parcel number belongs to my neighbor with a totally different last name. I have no relation or ownership to this other property yet I have been charged about XXXX XXXX dollars! This company 's employees are rude and basically told me there is nothing they can do! Someone finally reached out to me regarding this issue in XXXX and said things will be fixed but no action has been made as of XXXX XXXX. They took out my money real quick but are dragging their feet to refund me! This is not my fault at all. They literally charged me for my neighbor 's taxes twice XXXX and XXXX and have not fixed their mistake. Supposably the other parcel was taken off my account but my refund has not be made. My escrow account was negative due to the overage of paid taxes out of the account. I now have to pay for an escrow shortage because the almost {$5000.00} was taken from it! I call and call and the agents are rude and no one wants to help. They said nothing can be done until they see I get a refund but that makes no sense when they should see on their end that they made a mistake and they owe me! They have little to no knowledge and also hang up on me! This is a serious issue! This is the second XXXX  complaint and third complaint overall regarding this matter! It is the only way to get someone to communicate! I need a refund asap or I will take action with an attorney! This is ridiculous! I need a written explanation of charges, another escrow analysis of last year and this year and a refund ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
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: Was not notified of investigation status or results

Complaint:
XXXX, EQUIFAX and XXXX are in violation of the law for reporting fraudulent and misleading information from my credit report.

Company response to consumer: Closed with explanation