BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-04
Company: Riverwalk Financial Corporation
State: TX
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 tried numerous times for this company to provide original information on this debt that keeps being reported on my credit report as current. I have sent letters to both the credit bureaus and the debtors with the response only indicating that this message " Account information disputed by the consumer, meets FCRA requirements ' If I owe this debt and if it is legitimate I will make my self responsible as long as I see original proof of dates, and, amounts. They have yet failed to respond or fulfilled my request and account keeps impacting my score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Midland Funding has had my account past 7 years. Midland funding also forged an payment of {$10.00} on my account stating that was my last payment. That is not true. The continue to send me letters and it is pass the statue of limitations. I have file disputes with the credit agencies and also notified MCM Midland funding asking for proof of the {$10.00} no response. I also ask for this account to be deleted this account is 9 years old. I just receive a letter stating they are going to continue to report the debt as unpaid. When I called on XXXX/XXXX/16 they lied to me when they purchase the account while I was in the presence of an financial empowerment advisor dispute the collections. The representative at MCM finally admit that the credit was old after being caught in a lie. I receive an veiled threat letter XXXX/XXXX/16 from MCM by XXXX XXXX Division Manager of consumer Support Services at Midland funding by mail about my account by continuing to have my account label as negative remark unpaid for the rest of my life. MCM had my account over 7 years instead of deleting from my credit report. Midland Credit Management continue to leave a permanent scar on my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX we XXXX XXXX ( also known as XXXX XXXX ) and I, XXXX XXXX XXXX, received an incorrect Certificate of Release from the holder of the mortgage on our home, Fifth Third Bank. 

Despite much correspondence with Fifth Third Bank, they have continually refused to give us a correct Certificate of Release. 

We have describe this problem in detail in our correspondence with CFPB. 

Our correspondence with CFPB is dated : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX  card XXXX was breeched on XX/XX/2022. someone called when I was down the street from Regions drove to Regions to ask if the call was real before I spoke with them. They checked his credentials.This was the next day XX/XX/2022. Was on the phone with them trying to get every thing straight. MY credit card had been breeched with a card that was just like mine in my purse. I do not know who this was or how they went about getting the money {$1200.00}. and cash advances of {$250.00}. I got a letter onXX/XX/2922 from Regions claims resolution Center stating that : our review indicates you participated in or otherwise authorized this use of your card!!!!!! WHAT!! I have been with this institution for XXXX  years. I have never accessed cash advances.I would like the amount that was taken from my account replaced. I felt like a criminal and that is the way they treated me. I am asking you to do whatever you can to give the credit I should have for being with this bank for XXXX  years.Please fix my account before it affects my credit. It has already gone down from XXXX to XXXX .Thank you!

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 2022-02-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The credit card was opened in my name when I in fact have not made any purchases in the last 3 months or more from this company Best Buy XXXX credit card : I received a bill and a new card that needed to be activated. 

2 transactions XX/XX/2022 for {$540.00}, XX/XX/2022 for a total of XXXX I called them and they closed my account and pushed it through to the fraud investigation team.

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 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion 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 an account without my written instructions. 


These companies have illegally obtained and used my information inaccurately and refuses to investigate these errors thoroughly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I previously complained that XXXX  XXXX XXXX put a phony address and social security number on my credit report. The phony address that appears is XXXX XXXX XXXX, XXXX XXXX, CA XXXX. That address does not exist. XXXX  XXXX XXXX also listed the last four of my social incorrectly as XXXX. 

You sent this complaint to XXXX  XXXX XXXX. 

Today I received a reply from XXXX XXXX XXXX via U.S. mail saying that the above information was CORRECT. 

How is it possible that ANY address, in XXXX XXXX, CA, XXXX is correct? My zip code is XXXX. XXXX is the zip code for XXXX XXXX, CA. Additionally, no such city named " XXXX XXXX, CA '' exists. It can't be correct. 

Apparently, someone who works the revolving door between the banks and CFPB just sent this over to XXXX and XXXX didn't do anything but mail that form letter to me. The form letter has no specific information on it at all. It was printed out in a batch that was sent to many complaining citizens and it just claims that XXXX is right and we're all wrong. 

I assume that I have exhausted my Administrative Remedies and am not obliged to SUE THESE XXXX? I'm kinda hoping that you just have a program that forwards this message to XXXX and that some XXXX there actually reads it. I fear, however, that the XXXX at XXXX will be a machine, which will just generate another " we have it right '' letter. 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 2016-10-12
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
My wife went to XXXX and attempted to make a purchase, it was declined. She attempted the same purchase again, it was declined also. However, when I looked at the statement, both purchases were taken out of my account. I contacted Bluebird by American Express, my prepaid card company. They started a dispute, and after about two weeks with no update, I called again. I was told they have no update and that I could not speak with the dispute team because they are a BACK office and have no phone number. I went to the store and found that neither of the transactions were in their system, with the transactions being declined, that is normal. I have been waiting for 6 weeks and I still do not have any update or my money back. Any help in this matter will be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-04
Company: Freedom Mortgage Company
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the third time I have had escrow issue with Freedom Mortgage ( please see previous two complaints ). Last year, after Freedom Mortgage made numerous mistakes that nearly led to my property not having flood insurance, Freedom agreed to eliminate my escrow account and allow me to pay insurance and taxes on my own. This year, I paid all of those bills on time ( as I always do ) and then Freedom double paid my flood insurance. When I called Freedom about this issue they stated  that it was because I did not pay the flood insurance on time. This is 100 % false. The due date for this insurance was XXXX20 and I issued payment on XXXX20 and that payment was  received by XXXX XXXX XXXX XXXX of Florida on XXXX20, nearly a month prior to the due date. 

I want Freedom Mortgage to current their error by seeking reimbursement for double payment from XXXX XXXX XXXX of Florida and to reimburse me for all interest lost as a result of this error. Interest was lost because they took funds from monies that were to be applied to mortgage principal. 

Thank you.

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 2022-07-08
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
N ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS # XXXX XXXXXXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION : 602 A. STATES I HAVE A 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
N ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS # XXXX  XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION : 602 A. STATES I HAVE A 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

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I am showing a bankruptcy on my credit report that is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XXXX of XXXX I have been recieving multiple calls daily from XXXX claiming to be citizens bank loan and finance collectors with a call back number XXXX. The name they inquired about was a XXXX XXXX which I do not know who this person is, I have no relation to that name, family, friends or otherwise. I am not a citizen 's bank customer past or present and have never used any services from the company. I notified the company ; by calling the citizens bank customer number provided from XXXX as well as calling the number provided in the complaint, back in XXXX and on XX/XX/XXXX but the calls continued. Usually several times a day ( 2-4 times everyday ) between XXXX and even up until filing this complaint. I attempted to block the number but they continued leaving multiple voicemails each time they called until my voicemail was full. I also notified my phone company. All of this has hindered my local business since clients can not leave a message when attempting to contact me. I have contacted the number several times, ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX ) demanding them to stop. Each time they claimed they would take my number out of their system but I am still being harassed and have even recieved a call as I am filling out this complaint. I did notify them on XX/XX/XXXX that I would be filing a police report if they did not cease their activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding sued me in court. They could not provide verification of debt, so it was dismissed in court. They will not remove it from my credit report. They continue to lie to XXXX saying that the court documentation is not for that account. Even though it is. XXXX removed with no issues. When calling them, they state they will not remove it because they still consider it collectible, even though it is past the statute of limitations, and they already lost in court. I have been denied credit, and have a high APR on open credit due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Social Finance, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I applied for and was approved for a {$5000.00} personal loan from SoFi Bank on XX/XX/2022 ( SoFi Loan number : # XXXX ). The personal loan funds of {$5000.00} were sent from SoFi to my external checking account on XX/XX/2022. SoFi was running a promotional bonus offer to receive {$590.00} for applying for and being approved for a personal loan, during the time that I applied and was approved for my specific personal loan. 

I live chatted with a SoFi representative online in late XX/XX/2022 to inquire on the status of my {$590.00} promotional bonus amount, as it had not yet been credited to me. The representative explained that the bonus would typically be deposited to a SoFi Money account, however I informed the representative that I attempted to apply for a SoFi Money account the day before, but was denied. The representative then explained that as an alternative, I could sign a Form XXXX and provide the XXXX details of XXXX of my external checking accounts, in order to receive the {$590.00} bonus to my external account. While still connected to this representative on the live chat, I navigated to the section of SoFi 's website that the representative guided me to, where I electronically signed/dated the Form XXXX and entered the account and routing number of my XXXX XXXX checking account XXXX I was then told by the representative I would receive the {$590.00} bonus within XXXX days of when my loan was approved/funded. 

On XX/XX/2022, which was XXXX days elapsed from the time of my personal loan being funded back on XX/XX/2022, I still had not received the {$590.00} bonus to my external XXXX XXXX checking account. Therefore, I chatted with SoFi once again on XX/XX/2022 to inquire on the status of my {$590.00} bonus funds. The representative did not provide any helpful information as to why my bonus had not been paid out to me- considering that I met the requirements of the offer in terms of applying for and being approved for a personal loan, and having signed the necessary XXXX and provided my external account details for XXXX. The representative told me that opened a ticket for me ( Ticket number : XXXX ) and that the relevant team would look into the matter of crediting my bonus to me within the next couple days. 

Now, it is currently XX/XX/2022, and I have not received any update from SoFi on my open ticket number, and I still have not received the {$590.00} bonus to my external checking account as part of this promotional offer that I took part in, and it is well past the XXXX day mark that SoFi informed me I would have received this bonus by. 

Therefore, I am filing this complaint to formally request that SoFi honor the {$590.00} bonus be paid out to me as per the offer I engaged in and fulfilled all requirements from my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We owed {$320.00} to original company ( XXXX ). After a phone call from them regarding payment, I advised them I never got a bill. I gave them my current address in XXXX. It took three phone calls for THEM to get it correct. By that time they put the debt into collection ( Transworld Systems , Inc. ) I paid the bill on XXXX XXXX, 2015 after finally getting an invoice from XXXX. On XXXX XXXX, 2015 received a call from debt collector ( Transworld Systems XXXX. I advised them that this account had been paid on XXXX XXXX. Transworld said they did not get payment info from XXXX and needed it. So I called XXXX and was told they would send payment info to Transworld. In XXXX, 2015 received call from Transworld again and also XXXX XXXX. I called XXXX and spoke with XXXX and advised of the harrassment from Transworld. She called XXXX and they denied calling me. Today ( XXXX XXXX, 2015 ), I received ANOTHER notice of collection from Transworld Systems , Inc . I again called XXXX and spoke with XXXX regarding notice from Transworld. He advised that my account was paid and he did n't understand why Transworld was sending me a notice. He advised that he would send this complaint to his supervisor and have him/her call Transworld tomorrow ( XXXX/XXXX/15 ). I did advised him that I would be filing a complaint as not only was Transworld Systems Inc. harassing me but XXXX was also at fault for not making proper corrections to my address so I would get the invoice and be able to pay it in a timely manner thus avoiding collections. Address for Transworld Systems , Inc. is : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Telephone # XXXX. Address for XXXX is : XXXX XXXX XXXX, XXXX, XXXX XXXX. Phone # is:XXXX. I hope someone can do something about this company ( Transworld Systems , Inc ) harassing me. This has been more frustrating than recovering from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX i had a total of XXXX checks all of which were {$500.00}. 
{$1500.00} total, i filled them out wrong and pnc returned them back. The day that the atm rejected it i fixed my address it was wrong because i had moved just XXXX month ago. 

They said that it takes only XXXX business days to change the address, and that was about a week and a half ago, I called today ( XXXX ) and they said that XXXX days later it was sent to the wrong address. I even asked several times to get the money back in any other way and they never helped me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: EQUIFAX, INC.
State: IL
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 filed disputes with XXXX for the last 6 months and they are not investigating or sending method of validation as I have requested. They are refusing to investigate claims that are not valid. This statement is on my credit report : XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. XXXX has permitted inquiries which I have not authorized as I'm not trying to obtain credit because I'm in the process of disputing items that are not correct and this statement clearly states that XXXX should not allow this to happen and I would like them removed. I have disputed two Bankruptcies : US BKPT CT XXXX  XXXX XXXX XXXX Bankruptcy Chapter13-petition filed Original filing date : XXXX XXXX, XXXX Latest status date : XXXX XXXX, XXXX US BKPT CT XXXX  XXXX XXXX XXXX Bankruptcy chapter XXXX-discharged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX and they are not investigating these or verifying they belong to me. The courts do not verify information and XXXX obtains public information which they state may not be correct. I have contacted XXXX and my account in frozen with them and can ; t be accessed so how is XXXX validating information XXXX says may be incorrect because they can't validate this information as stated on their website and dcoumentation they send you. I have 19 inquiries and I have not authorized any of them and would like them removed and several are from the same company multiple times.XXXX is allowing these companies to update my credit reports based off information in the disputes that I'm providing during my disputes instead of deleting them for inaccurate information. They are not investigating XXXX but allowing them to update an account that is charged off with dates that don't make sense or add up. XXXX is allowing inaccurate information to remain and are providing the companies with the disputed information to allow them to update my report incorrectly instead of deleting the information. I have not filed bankruptcy but XXXX is reporting that I have and have listed two accounts as being in bankruptcy but yet XXXX is not included. This misinformation is enough for the bankruptcies and the XXXX XXXX, XXXX and XXXX accounts to be removed. I would also like the method of validation not verification but validation per FCRA to be mailed to me.

Company response to consumer: Closed with explanation