BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-18
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, I went to my Credit Union, XXXX XXXX XXXX XXXX in XXXX XXXX, Florida to complete a {$20000.00} wire transfer to XXXX XXXX, a XXXX XXXX XXXX in XXXX. This was a favor to my sister who owns a XXXX XXXX XXXX in XXXX. I was advised by the banker it will take 2 business day. I received additional request from my bank for additional documentation and explanation, which I supplied. I was told a day after I supplied the additional documentation by my credit union rep that the benefuciary 's bank has the funds ( XXXX XXXX XXXX in XXXX ). When the recipient when to his bank on a number of occasions, it was discovered that an intermediary bank, XXXX XXXX XXXX is sitting on the funds. Additional follow up inquiry with my credit Union revealed the following : My credit Union completed the wire through XXXX XXXX XXXX XXXX used XXXX XXXX XXXX for the international wire XXXX XXXX XXXX uses XXXX  XXXX XXXX XXXX to to send the funds to XXXX. 
The funds were never delivered I requested a refund on XXXX. 
I received a Western Union correspondence through my credit Union that the request for reversal was submitted, it will take 10 to 12 days.

My main concern is, since the funds as confirmed by Western Union through my credit Union was never delivered, why is any bank involved in this transaction still sitting on my money? 
Secondly, this is mo ey from my HELOC and I am accumulating a daily interest charge close to 3 percent. My Credit Union, Western Union or XXXX XXXX  has to be responsible for this interest accumulation because I paid a fee or a service they did not perform withing the promised time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Cabelas has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i recently viewed my credit report and saw a lot of inaccuracies in it. i then proceeded to contact the various companies involved in order to remedy the situation. i was basically told that there was nothing that they could do. i found this to be a disingenuous statement and proceed to XXXX what could be done about it. i learned that i should ask, in writing, for them to investigate it. which i did on XX/XX/XXXX. i waited 30 days then demanded, in writing, that these inaccuracies be removed. that was XX/XX/XXXX, yet nothing was done. so now, more than 30 days after that, i am here at the cfpb website seeking some sort of resolution. XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-19
Company: EQUIFAX, INC.
State: FL
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 appreciate you making the effort to update and remove some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Shellpoint Mortgage Servicing acquired our mortgage loan XX/XX/XXXX that I have had for 13 years. I have never had an issue or late payment until then. Their billing was often delayed and partial amounts. However, I sent the payment for amount billed usually within a week of receiving the invoice. Shellpoint admitted that they were having problems with billing amounts and timelines. 

The following are when my checks cleared on this loan. Again, for the amounts that were billed. The last payment to the previous holder, XXXX XXXX was XX/XX/XXXX for {$180.00}. The following are to Shellpoint Mortgage. 
XXXX {$180.00} ; XX/XX/XXXX {$180.00} ; XX/XX/XXXX {$180.00} ; XX/XX/XXXX {$110.00} ( this was not billed ; amount given by phone ) ; XX/XX/XXXX {$1600.00} ( this invoice had 3 monthly payments due -- first notice I received on this amount ) ; XX/XX/XXXX {$610.00}. Have continued with monthly payments on time. 

It appears they are reporting the XXXX payment late to the credit bureaus. I have contacted them 10-12 times without resolution. I was originally told that they were correcting in inaccurate late payment, but has not been done. 

Shellpoint Mortgage Servicing is a rogue mortgage servicing company. They have 565 complaints by XXXX XXXX XXXX, over 200 negative reviews on XXXX and were sued by the Massachusetts Attorney General and settled for {$4.00} million on XX/XX/XXXX for violations of regulation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Financial Recovery Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The issue is that this debt collection company, Financial Recovery Services , Inc., is attempting to collect a debt on a credit card that resulted from an identity theft. As shown on the credit report, the original creditor was stated as XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and informed them the account or card is not mine because I've been an identity theft victim, and the report is not mine. They should close whatever budget is under my name, remove my information from their records, and delete the entire history because it's not mine. XXXX XXXX Delaware representative asked for an FTC report, which I drafted and sent to them. They told me they would immediately close and remove the account from the credit bureau, and I don't have to worry about this account again. However, now it continuously reports, and I keep getting harassed by a collection agency attempting to collect a debt on a credit card that was opened through identity theft. I informed them that the account or credit card originating from XXXX XXXX XXXX was not mine. They needed to stop attempting to collect a debt under a fraudulent account because it was against the law. However, they refuse to understand and continuously harass me by claiming that this account belongs to me. The report is not mine ; the debt collection is not mine. This fraudulent account was supposed to be removed from the records long ago because it resulted from identity theft, and they refused to remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX  Date Opened XX/XX/2014 Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions 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:
On XX/XX/XXXX I contacted Experian about the following negative accountsXXXX  ( XXXX Opened : XX/XX/XXXX, Balance : {$550.00} ), XXXX XXXX XXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$140.00} ), XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX, Balance : {$120.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$140.00}, Original Creditor XXXX XXXX ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$140.00}, Original Creditor XXXX XXXX ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$140.00}, Original Creditor XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX, Highest Balance : {$720.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2020-02-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I successfully completed, signed and notarized a loan modification with XXXX XXXX  in XX/XX/XXXX. In XX/XX/XXXX the loan was transferred to another servicer, Rushmore Loan Management. As XX/XX/XXXX my modification has not been completed. My loan is in limbo and I have been making payments that are not credited to my loan. I call both companies and every day. Rushmore told me today XX/XX/XXXX that they can not get the terms of the loan to match the terms that XXXX sent. Rushmore says XXXX is not responding, XXXX says Rushmore has everything they need. 

Originally, I was told that in order to start the trial modification I would need to pay {$10000.00} prior to the first payment in XX/XX/XXXX. In XX/XX/XXXX I expressed my concern about paying {$10000.00} essentially a down payment that was not noted in the agreement. There was no mention of the {$10000.00} anywhere, I went out of my way to continue to tell XXXX that this didn't seem right. Well my fears are now validated because Rushmore indicates the {$10000.00} is the very reason, they can not process my loan - because the {$10000.00} was not spelled out in the modification paperwork as a down payment - it is essentially showing that I made all the trial payments as a lump sum. 

As of XXXX nothing is resolved and I am still limbo with this loan. It is extremely hard to get anyone on the phone at either company. 

Specifically, I have left messages for the Supervisors at Rushmore, XXXX XXXX and XXXX XXXX but no one cares enough to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: WELLS FARGO & COMPANY
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Tried to work out a plan to save my home, Wells Fargo would not work with me on it and I lost my house due to foreclosure. Tried numerous times without any response from Wells Fargo.

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 2023-02-23
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Basically I just found out that they been doing this. Applying overdraft charges the day or two before my deposit hits. I keep talking to customer service about having no overdraft but every time it is close to payday here comes the overdrafts. Now Im told I didnt confirm that I wanted to opt out but I opened the chat to dispute it why would they say I didnt confirm? I have a {$100.00} advance that hasnt been paid in a month because they put all these fees then say not enough money to pay it. Sent 2 weeks ago but somehow it keeps coming back and how are the monies coming out of my account when I have money but end up being a overdraft. Im fed up theyve gotten well over {$1000.00} from me in overdraft and I finally see how.

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 2020-02-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX. 

After submitting complaint ( s ) XXXX. I got a call from chase executive office and from a XXXX on a voice mail on my cell. XXXX ext. XXXX. When I called him back I left a voice mail message for him. Later today he called my voice mail back. Then just now at XXXX PST or XXXX : XXXX  PST ( Eastern Time ) today on Friday, I called him again and got his voicemail again it appears that Chase does not want to resolve this. This has become very frustrating for me and inconvenient over a very simple matter. They have handled this in a very improper unprofessional manner. 

If this still is not resolved by next week I am thinking of adding a consumer statement to my XXXX  report and flagging my report to the effect that the Chase account is over > 10 years and is possibly in non compliance with the FCRA because of inaccuracies. 

Also will forward a copy to the XXXX  for compliance review. For sure I will never deal with Chase again and I have heard complaints from many people as well thank you for letting me bring this to your attention XXXX XXXX Friday XX/XX/2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint regarding the numerous attempts I have made to have late open accounts to correct them from my credit report. Despite my persistent efforts to rectify this issue, these late open accounts continue to negatively impact my credit profile.

I have attach my supporting documents, such as copies of dispute letters, responses from the creditors, as well as my DL, SSN, and POA.

I have made multiple good faith attempts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. However, despite my best efforts, the late open accounts remain on my credit report, impairing my ability to secure credit and financial opportunities. 

I respectfully request the following actions to be taken promptly : A thorough and immediate investigation into the late open accounts in question, including verification of the accuracy of the information with the creditors. 

If the accounts are found to be erroneous, the immediate correction of the late open accounts from my credit report. 

A written confirmation from your agency acknowledging the correction of my credit report once the issue has been resolved. 

A detailed explanation of the actions taken during the investigation and the outcome. 

I urge you to address this complaint as a matter of urgency. Timely resolution of such issues is critical for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary steps to rectify this situation promptly. I am asking for your assistance to correct the late open accounts : XX/XX/XXXX XXXX Balance : {$3000.00} ; XX/XX/XXXX Balance : {$12000.00}.

Company response to consumer: In progress
Consumer complaint received 2021-10-18
Company: Experian Information Solutions Inc.
State: NJ
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:
So I recently pull my credit and i noticed a few accounts showing onmmy credit report that i do not have any knowlege about. Before reaching out to Experian, XXXX and XXXX, I call each company to report what happen. I am a victim of Identity theft. I have never done any business with these companies. I then called the credit bureaus and they said i need an FTC report. I have attached the report along with my Drivers lincense and Social security card.

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 2018-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had this CapitalOne credit card for nearly two years. I have no late payments. It is a secured card. I have asked multiple times when I will get a credit line increase for this card. The credit limit is {$500.00} and I have to pay this card down multiple times a week when I travel for work. Sometimes I become stranded at airports because I can't rent a car while a payment is pending. CapitalOne has told me over and over and over and over and over and over and over that there is a random system that will grant me a credit line increase when I meet the criteria. I demanded CapitalOne tell me who administers this 'random system ' and then they told me that it is done by under writers. I demanded to know where the under writers are, and CapitalOne says they can not reach them because they are in another building. I want the credit line on this card increased to {$10000.00} so that I can use it for work. I want an explanation in detail why I have been told different versions of how this card is considered for limit increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX. I have been attempting to clean-up my credit since XX/XX/2022. I have sent letters to all three credit reporting agencies in an effort to have numerous Inquiries removed from my credit. I have not tried to obtain credit, accept pre-approved credit cards to help build my credit. No one had my signed approval to obtain my credit file. 
XXXX. I also hired XXXX XXXX XXXX to assist with the incorrect open collections on my account. They have been successful but there are still collections that are incorrect. There are medical open collections on my account. I have always had insurance. These are not my accounts. I have had surgeries to replace hips. I had insurance and would have paid. 
3, Now almost 15 months have transpired, and my credit report has not improved. I find two more collections on my report. I personally wrote this company and requested copies of documents or invoices with my signature to prove validity. They never provided such and put it on my credit report. I am sending my XXXX correspondence to these agencies. I need help. I am XXXX XXXX XXXX this XXXX and the credit bureaus are hurting me financially for no reason. I am very careful to have no negative remarks under my name.

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