BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-28
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a letter from Experian dated XXXX XXXX, 2016 stating that a creditor reported changes made to my name, address or SSN in the last 30 days. Upon receipt of the letter, I attempted to contact Experian multiple times via phone and on-line to identify specifics. I reviewed my credit report from Experian on-line and found XXXX inaccuracy which was a name change ( which I have never used ). I attempted to address this on line but was unable to do this on their site. I am still unsure if this was the reported inaccuracy on my report. In spite of going through multiple agencies ( my bank, FTC, and CFPB ), using all of the listed Experian phone contact numbers, I have been unable to contact a live person with whom to investigate and resolve this problem.

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 2021-01-03
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was added as an authorized user on someones account with Home Depot in XXXX for one month and then, I told them to remove me as an authorized user from their account after a month. Home Depot has still been reporting me as an active authorized user on the account after I had the primary account holder, remove me from the account th account should be reporting closed on my credit report. But it is still showing open on my credit report even after I contacted Home Depot with the primary account holder to check if I was actually removed from the account. The representative at Home Depot said that I had been removed for months and that the account would not show up on my account for the XXXX statement. But the XXXX statement has been reported to the credit bureau and it shows that the account is still open on my credit report as an authorized user, which is affecting my credit because of the high utilization of the primary account holder.

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 2021-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have wrote this company and got a answer from this cpfb with bill and statement saying I paid {$760.00} which is the last payment on this account I never paid {$760.00} on this account who. Made the payment who is the ac, ount really for they won't answer this but tell me ita mine Show me the contract that I signed with this account signature and ID XXXX has deleted this item for payments stated I never made This is fraud Can someone from the cpfb please help me Please have this account deleted I'm sending thw documwnt they want through the cpfb showing I made a {$760.00} payment I never made this payment Also if this payment was made the account wouldnt be {$800.00} since the limit ia {$800.00} that does not make sense {$760.00} from {$800.00} is {$39.00} {$39.00} would be oqed and not {$800.00} It was close when this {$760.00} payment was made I didn't make the payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EAST WEST BANK
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX, I sent a wire transfer in the amount of {$38000.00} to a beneficiary at East West Bank and we made an error on the account number. The bank where I sent it from, XXXX Bank in XXXX, Florida has sent over four recall requests through the wire system since XXXX and the funds have not been returned. My bank has also called many times and requests have not been answered. It is now XXXX and East West Bank have held my funds almost one entire month without returning them. The funds should have never been credited as the beneficiary and account number did not match. We request our funds be sent back immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX USC Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citizens bank has delayed the fund transferred via XXXX to my account at Citizens. The transfer fund via XXXX between registered recipients normally take several minutes ; however, at Citizens ' bank, it takes three days to deposit into my account. when I asked Citizens to explain the delay, it told me that I didn't register with XXXX. The explanation didn't make sense since I couldn't have been able to transfer via XXXX if I hadn't registered with it. Then, Citizens bank told me that I didn't have a debit card and that was the reason to cause delayed deposit. So, I requested a debit card. Now, with the debit card, Citizens still delays funds to deposit into my account. 

Citizens didn't address the question or fix the issue after my most recent request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: CBC Companies, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Factual Data did not have authorization nor permission to access my credit report. They had mentioned the inquiry would be removed but it is still on XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
I originally had a credit card with them and paying around {$230.00} a month. I had sent XXXX check XX/XX/2012 and was told that neither were received. When checking my bank statement to verify if that were the case I noticed they were deducting {$650.00} a month for a life insurance policy. I never agreed to nor signed any type of documents for a policy or authorizing {$650.00} to be drafted from my account. I requested proof of the authorization or even a signed document for this policy and they indicated they did not have to provide because there were Bank of America. I then obtained an attorney to get this resolved. I refused to pay anything else to Bank of America until they provided me evidence of the life insurance policy and authorizing payments to be drafted from my account. The total amount they drafted for that bogus policy was {$6500.00} however, I agreed to not sue for the balance if they would settled the credit card for {$1200.00} and release any and all claims or is successors against me. My attorney has been trying to get them to respond and to date they still have not.

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 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 recently looked at my credit report and seen various fraudulent accounts. I need these fraudulent accounts removed from my credit report.

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 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have been sending dispute letters asking for these egregious accounts from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX   XXXX  to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.

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 2017-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I had communicated with Capita l One 's executive  office (  XXXX  ) a couple weeks ago and they called me before  XXXX    XXXX   today, violating FDCPA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
For some reason, every time I request my FREE annual credit report from EQUIFAX , i ca n't get it [ they always claim that they ca n't verify my identity ]. But I CAN always get it from XXXX, and XXXX without any problem. 
The funny thing though is that if I go directly to the Equifax website, and buy it directly from them, then 'there ' they do verify my identity and give it ( sell it ) to me without any problem. 
I have even logged-in to their website, sign in with my credentials ( to make sure I am clear in their system ). Then I go to the FREE annual credit report site, request my report from them ( equifax ), and still they wo n't give it to me. It happen every year with them. - I CA N'T get it FREE. But if I pay them, I CAN NOT. Please help. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-03
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I signed a closing disclosure with Regions Bank but have yet to close. I have been told by XXXX XXXX on XXXX 2020. The date I was suppose to close that the closing was held up because the bond company wanted me to sign the back and front on all the closing estimates documents in the Bank although I had electronically signed them before, and he acknowledged that I had already signed them. I did that and later I learned that this was not something the bond company would request. I also learned noticed there was no signature required on the hard copy so I was told to sign them anywhere on the documents. this may be a way to copy paste my signature on other documents. XXXX XXXX sent out an email stating Regions have never done a XXXX loan and they are having difficulty creating the documents for closing on XX/XX/2020. The closing has been extended several times. I also learned that the home that I have under contract may have been sold by another agent in the same company on XX/XX/XXXX. even though I am still under contract and my loan has been approved. I have documentation of that also. I have yet to close or even given a closing date. This has been going on since. XXXX. I want someone to investigate this ASAP.

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 2022-03-21
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following collection account does not belong to me : *MRSBPO/Acct # XXXX - This is a collection account that I am unaware of and have requested validation from the creditor and no validation has been provided. 

I have previously tried disputing this account on several occasions. The original creditor of this account is being reported as XXXX. I currently have an open and active account with XXXX  that I am currently paying on-time. I don't have any other previous accounts with XXXX, nor is my account in a collection status. Furthermore, I wouldn't be able to continue my services with XXXX, if I owed a previous balance on a closed account that was sent to collections. This account needs to be PERMANENTLY REMOVED from my credit file. 

If the collection company insists that I am the rightful owner of this alleged debt, please provide me with validation, proving that I in fact owe a balance to XXXX. Please provide me with the name and contact number for the original creditor, a breakdown of the balance I allegedly owe and the original contract that was signed. I would also like to be provided the first date of delinquency and the last activity date on this alleged debt to ensure this account belongs to me and is accurate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: Shellpoint Partners, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX my Newrez/ Shellpoint mortgage account number XXXX was refinanced. On XX/XX/XXXX my refinancing company, the closing agent, sent full payment of {$190000.00} to pay off my loan with Newrez/Shellpoint. Two weeks later Newrez/Shellpoint sent me my escrow check so I thought everything was well. A couple of days later I started to receive mails that I was late on my mortgage mind you I have never been late. I contacted new Newrez/Shellpoint and their representatives told me that my loan was paid in full and that all was well. However the mails about missed payment kept coming. I call Newrez/Shellpoint again and they said maybe that mail was sent before the loan was marked pay off. Now the mails did not stop now they reported miss payments to the credit bureaus decreasing my credit score dramatically down 101 points. I called newrez and the representative then told me well I see your account pay off but they charged you a late fee of {$35.00}, then she said Ill transfer you to another department. Once transferred I spoke to a man, name XXXX. He looked into it and said he filed a dispute about the false reporting and instructed me to email CBR dispute about the situation and that they would fix it. He also advised me to file a dispute with the credit bureaus which I did. 3 weeks later Newrez reported my account as closed to XXXX  however with a balance of {$190000.00}. They also reported that false information to XXXX. I have proof of the wire transfer to Newrez on XX/XX/XXXX paying off my loan in full. However they keep reporting these false reporting to my credit and ruining my good credit scrore that I have worked hard to keep. When I call them they say one thing and then they report these false report to the bureaus. I also have proof of emails that I have sent to Newrez with no response. I do not know why they are reporting these false reporting of late payments when My account was paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Prepaid card
Sub-product: Transit card
Issue: Managing, opening, or closing account

Complaint:
American Express Serve provided a free {$50.00} Card when purchasing an iPhone at XXXX. I used the money the same day and called several times to close the account. I was told the account was closed after dozens of hours and nearly a year later. Months later, I started getting emails that they now charge a {$4.00} monthly fee and I now owe money on the card. I ca n't get them to close my account after trying many times for the past year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-03
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: Account information incorrect

Complaint:
On XX/XX/XXXX my XXXX/ XXXX  mortgage account number XXXX was refinanced. On XX/XX/XXXX my refinancing company, the closing agent, sent full payment of {$190000.00} to pay off my loan with XXXX. Two weeks later XXXX sent me my escrow check so I thought everything was well. A couple of days later I started to receive mails that I was late on my mortgage mind you I have never been late. I contacted XXXX  XXXX and their representatives told me that my loan was paid in full and that all was well. However the mails about missed payment kept coming. I call XXXX  again and they said maybe that mail was sent before the loan was marked pay off. Now the mails did not stop now they reported miss payments to the credit bureaus decreasing my credit score dramatically down 101 points. I called XXXX and the representative then told me well I see your account pay off but they charged you a late fee of {$35.00}, then she said Ill transfer you to another department. Once transferred I spoke to a man, name XXXX. He looked into it and said he filed a dispute about the false reporting and instructed me to email CBR dispute about the situation and that they would fix it. He also advised me to file a dispute with the credit bureaus which I did. 3 weeks later XXXX reported my account as closed to XXXX  however with a balance of {$190000.00}. They also reported that false information to Equifax. I have proof of the wire transfer to XXXX on XX/XX/XXXX paying off my loan in full. However they keep reporting these false reporting to my credit and ruining my good credit scrore that I have worked hard to keep. When I call them they say one thing and then they report these false report to the bureaus. I also have proof of emails that I have sent to XXXX with no response. I do not know why they are reporting these false reporting of late payments when My account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: Exeter Finance Corp.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This company continues to call me and sent me overnight mail, which causes the delivery person to ring my doorbell and disrupt my household. Unacceptable. This harassment must stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited my paycheck yesterday. Same business, local, check I deposit every two weeks for the last 3 years. The bank froze {$570.00} of my check saying " pending review '' without notifying me. I found out when I went to check my balance later in the day. It was over drawn because of bills I had paid since the money should be there. I called TD Banks XXXX # and was told at XXXX the money would be released in a XXXX of hours that it was a random thing. I called again hours later and was told it would not be released until tomorrow and they could do nothing to help me. They suggested I call the branch, I did and she was going to look into it. However it is now XXXX and the bank is closed. They have no right nor reason to freeze money on my account on a local business check they they can see every two weeks clears with no problems. This caused me great distress. today as I could not get gas and pick up my son. If they are taking a hostile action they should have called and told me. If they charge me an overdraft fee that will need to be refunded.

Company response to consumer: Closed with monetary relief