BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: FL
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:
Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

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 2022-03-03
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a victim of a scammed transaction. I ordered a steel building and wired in an amount of {$17000.00} on XX/XX/2021 to SunTrust Bank located at XXXX XXXX XXXX XXXX, XXXX AL, XXXX XXXX XXXX XXXX with an account # XXXX. I never received my product and could not get ahold of the seller. After many researches, I found out this was a scam. I asked my bank, XXXX to recall the funds but after many weeks, my bank came back that SunTrust Bank did not respond to their requests. I need SunTrust Bank to give me my money back. 

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 2019-01-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPB, On XX/XX/XXXX I received a collection bill from XXXX XXXX XXXX, XXXX in the amount of {$280.00}. The alleged balance was for a credit card from XXXX XXXX XXXX  that has been removed from my credit reports because of failing to provide proof the account belonged to me. The account did not belong to me and XXXX XXXX did not provide any documents as proof as requested by the FCRA so the account was removed from all three credit bureaus on my credit report. When XXXX   XXXX  XXXX, XXXX sent me the collection bill within the 30 days time frame I replied with a request for validation as my right under the Fair Debt Collection Practices. XXXX XXXX  XXXX, XXXX did not send me such proof, and on XX/XX/XXXX ( almost 4 months later ) reported the alleged collection account to all three bureaus on my credit report. I have sent Letters to the three major credit bureaus as well requesting the account be validated, all they do is send me a notice back saying it was verified but no one seems to send proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced XXXX of last year and my loan was transfered to NewRez LLC. NewRez LLC is a part of ShellPoint Mortgage. The loan refinanced is a conventional loan. I have over 20 percent equity at time of refinance and closing. I do not pay any PMI. My taxes were escrowed at the beginning of the loan. Per proper mortgage and lending practice my taxes and Homeowners Insurance do not require escrow on a conventional loan. The lender is predatory and has refused to remove escrow account and refund my escrow balance. NewRez informed me that there is a 24 month hold on my account to remove escrow. This is not standard practice and the lender is acting in bad faith. All of my mortgage payments have been on time with zero late payments. 

The NewRez lender has also made it difficult to refinance due to exorbitant fees to get out of the loan. The lender is predatory and has thousands of online complaints. I am seeking remedy in having them remove escrow account immediately and refund the balance. Please find predatory NewRez Fee Schedule attached. 
XXXX XXXX XXXX  The lender also plays malicious games when making payments online where they deliberately do not withdraw payments from your bank account at timely manner. I've had to call them repeatedly and email them to let them know I am on to them and for them to make sure they are debiting my payments to avoid any late fees. There are thousands of complaints online of NewRez deliberately not crediting payments to accounts. The lender also does not update credit bureau in a timely manner to show ontime payments. 

Below are URL 's of other Americans like myself complaining all over the internet about NewRez and ShellPoint predatory and bad business practices. The XXXX people need protection from predatory and criminal businesses like ShellPoint and NewRez. The usarey fees alone should set off alarms in addition to all of the other complaints I noted in complaint. 

https : XXXX https : //www.trustpilot.com/review/shellpointmtg.com

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Beginning XX/XX/2023 I have sent Experian several disputes at least XXXX regarding incorrect late payments on my accounts for capital XXXX and self/lead. I have either received no answer, a stall letter, or a letter, stating that the information on my credit report is accurate. Its clear that they dont want to do their job because on the last letter I sent out which was XX/XX/2023. They sent me a response via email on today XX/XX/2023 with another stall letter, stating that they do not believe that I am the one repairing my credit. I am most definitely the only person working to correct the inaccuracies or my credit, Im tired of them not wanting to do whats right. I will include every dispute letter. I have sent them with dates included so that you guys are able to see that I have been trying to do this without going over their head. The inaccuracies needs to be removed as soon as possible as well as them sending out a payment of {$1000.00} because of their unwillingness to do their job in a timely fashion.

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 2020-04-06
Company: EQUIFAX, INC.
State: SC
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:
Dear DataX Inc, My name is XXXX XXXX and I am writing because of some mis-printed information that is being held in your computer system. DataX has interpreted itself as a furnisher of consmers ' financial integrity, under the FCRA. 
Recently, many consumers have been targeted with identity breaches and the hi-jacking of their personal information from many of the outsourced IT and service center vendors, put in use to considerably cut costs on american labor. 
In keeping with this information. I believe your company may have received some of this bad information, including my name and personally identifiable information. 

I received a letter of denial, dated XX/XX/2020, from XXXX XXXX XXXX XXXX on behalf of the creditor : XXXX XXXX XXXX. It was of very amusing shock to me, listing poor credit performance as the principal reason for credit denial. With a score of XXXX. 
I am adamantly rejecting any knowledge of any financial account being held, under my name, in your reporting system. 
This is a final demand to remove from my report, all disputed enties, complete a timely update, noting the removal of entreies, within a new report and send, immediately, the updated report to me at the listed address on this complaint.

I am gong to forward this complaint as well to the Attorneys General office within your home state. 

Loking forward to hearing from you with the updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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 non-monetary relief
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My credit file has incorrect information being reported to it by XXXX XXXX, a credit card was opened without my knowledge and without my authorization. the account associated with my name without my knowledge or authorization was reported over the credit limit on the XXXX day of XXXX XXXX, causing my credit to decrease. The account was also closed. This company has no proof of any authorization from me to open this account, they just have information that other companies have that someone used to conduct fraudulent activity against me. They are causing me emotional and financial distress. The fact that I was on XXXX XXXX XXXX stationed in XXXX when this account was opened should prove my innocence, I can't open a stateside account in another country.

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 2023-09-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Wells Fargo, I have a permanent address in the XXXX but live in XXXX. I'm a XXXX citizen. In XXXX I got an XXXX XXXX card through my Wells Fargo account which I use solely for XXXX rides and purchases. I got this card because it offered points and did not charge foreign conversion or transaction fees. In XXXX of XXXX Wells Fargo contacted me saying they were changing the card from XXXX XXXX to a Wells Fargo Active Cash Visa. I searched for documentation of changes to the terms of the account on my online banking account. There was nothing. Just a button asking to accept or decline the new card. I searched several times in all part of the online banking information for information on any changes to the terms of the account. Nothing. So I assumed that since I had not received any information about the changes.That the terms would be the same. The card converted to the new card automatically. On XX/XX/XXXX I opened my account to pay the monthly total and found foreign conversion fees for every transaction I had made since the card moved from XXXX to XXXX. I called Wells Fargo immediately and demanded the fees be removed and expressed my sincere feelings that Wells Fargo had violated the law and my rights by not informing me of the changes or making the information easily available. They reversed several fees but were unable to reverse all or close the account because there were two pending fees. The reversals have not appeared on my account and they said it would take up to ten days to complete all the transaction fixes. I am filing this complaint because I know that Wells Fargo violated my rights and the law in this case. Even though it's a not easy to open a new bank account in the XXXX from XXXX, I had already considered that due to the recent news about Wells Fargo discriminating against XXXX families in mortgage offerings. When is something going to be done about all of this other than a paltry fine which a bank worth billions can easily pay? I was only out about {$10.00} in fees, but multiply that by the number of other costumers Wells Fargo is scamming and you quickly arrive at an enormous amount of money. And one XXXX of fraud is as bad as {>= $1,000,000} in my view. Thanks.

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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
This secured credit card account was closed and later charged-off in XXXX by XXXX XXXX who did so without my notice and refused to allow me to pay the {$140.00} balance for deleting the negative remark on my credit report. After repeated attempts to deal with XXXX XXXX directly without success, I wrote all 3 credit reporting agencies asking them to delete this account for inaccuracies such as : showing a current balance when the account has been closed for years, reporting a closed account date while also reflecting a current balance, reporting a current status on a closed account XXXX XXXX refuses to reopen to allow payment for deletion, as well as other inaccuracies including incorrect dates reported consistently throughout all 3 reporting agencies.

The last certified letters were mailed to all 3 bureaus on XX/XX/XXXX, today is XX/XX/XXXX and I still have no reply as to the status of the investigation and I am requesting the CFPB outright stricken and delete this inaccurate entry on my credit report across all 3 credit reporting agencies.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: LA
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:
I received my credit report and found that I have sum unauthorized inquiries on my account and would like them removed 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 2022-04-15
Company: Radius Global Solutions LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company Radius Global Solutions calls and harasses me regularly regarding a debt which is not in my name and not in the name of anyone I know. They call repeatedly from ( XXXX ) XXXX. I informed the company on XX/XX/2022 and XX/XX/2022 that I have no information about the debt they are trying to collect and it is not a debt in my name. I asked them to stop contacting me. Since XX/XX/2022 Radius Global Solutions has called me 24 times.

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 2021-03-02
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was ready to close on a mortgage for a property we were purchasing. The date of the closing was XX/XX/2020. I was ready to close, had my down payment ready, etc. then just less than a week before closing we were told a hole new story. The property was zoned residential, but the building could not be lived in because it didnt meet egress codes. I see no reason why we couldnt have closed on the property, got their mortgage ; and then deal with the other issues after the holidays and the winter weather, etc. 
In the meantime we have spent several thousand dollars are inspections, architects, more applications, etc. then this week they said the would not finance us at all because they dont deal in such high risk projects. 
They, started this whole process, only to back out now! This isnt fair to us after jumping through all their hoops for 6 months, nor is it fair to our sellers. By the way, they should not have had to wait so long. Theres no reason we couldnt have closed XX/XX/XXXX, and waited till nicer weather to deal with the construction issues! 
Sincerely, thank-you for your help with our issues.

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 2023-09-08
Company: Nelnet, Inc.
State: UT
Product: Credit reporting 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  and XX/XX/, I received an email from Nelnet stating : Dear XXXX, Were following up to let you know that your income-driven repayment ( IDR ) plan application is moving up in our processing queue. As a reminder, you dont need to take any action at this time. 

What to Expect Next If we havent finished processing your application in the next 10 days, well keep you informed with a follow-up email. 
Once we have finished processing your application, well send a letter or email ( according to your communication preference on file ) with the outcome of our review. 
Our emails are your best source for status updates about your IDR application, so please watch for emails from us. If you need assistance, please visit Nelnet.com/contact, as this is a non-reply email. 

Thank you for your continued patience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted a PSLF form on XX/XX/XXXX. On XX/XX/XXXX I was notified by MOHELA of an error in my employer 's signature and was asked to resubmit. I submitted the correct signature required that same day, XX/XX/XXXX. 

On XX/XX/XXXX, I called MOHELA to confirm that the XX/XX/XXXX signature was sufficient for processing. The rep confirmed that the signed form submitted on XX/XX/XXXX was acceptable. To be safe, I submitted another PSLF on XX/XX/XXXX with a note that it was a correction to the original form submitted XX/XX/XXXX. 

On XX/XX/XXXX, I called again to confirm that the form submitted on XX/XX/XXXX was admissible and to see if there was any way to expedite the arbitrary and egregious 90 day processing time. At this time, the rep I spoke with informed me that the XX/XX/XXXX form was incomplete and therefore not acceptable. I told him that the rep I spoke with on XX/XX/XXXX confirmed that it was, and I requested to speak with a supervisor to make sure. 

MOHELA reps do not have consistent information and the company itself shows blatant disregard for student loan borrowers. There is no incentive for them to process PSLF applications in a timely manner since they are compensated for servicing the millions of dollars in loan balances that they hold. 

With electronic forms and technological advancements there is no reason why it should take at least 90 business days to process a form. I'm requesting assistance from the CFPB because this process is intentionally cumbersome to the consumer and limits the borrower 's ability to seek jobs outside of the non-profit sector and earn competitive wages.

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 2022-04-15
Company: Finance System of Richmond, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received my first notice, i promptly sent the alleged debt collector a certified letter of validation. After 90 days I have yet to receive any validation. I received many statements and phones attempting to collect. When I answer I explain to them the debt hasn't been validated and I will not talk to them until it is. How do I get this to stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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: Investigation took more than 30 days

Complaint:
This secured credit card account was closed and later charged-off in XXXX by XXXX XXXX who did so without my notice and refused to allow me to pay the {$140.00} balance for deleting the negative remark on my credit report. After repeated attempts to deal with XXXX XXXX directly without success, I wrote all 3 credit reporting agencies asking them to delete this account for inaccuracies such as : showing a current balance when the account has been closed for years, reporting a closed account date while also reflecting a current balance, reporting a current status on a closed account XXXX XXXX refuses to reopen to allow payment for deletion, as well as other inaccuracies including incorrect dates reported consistently throughout all 3 reporting agencies.

The last certified letters were mailed to all 3 bureaus on XX/XX/XXXX, today is XX/XX/XXXX and I still have no reply as to the status of the investigation and I am requesting the CFPB outright stricken and delete this inaccurate entry on my credit report across all 3 credit reporting agencies.

Company response to consumer: Closed with explanation