BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-13
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I am filing a SECOND complaint about a new ( THIRD ) harassing letter I received from NewRez claiming i did not have HOA insurance ( i do and always have ) in which they threaten to buy me Hazard Insurance and bill me for it. This is very similar to the complaint I filed a few months ago. After sending them MORE copies of my insurance, they closed that old complaint. But just one month later, NewRez mailed me a NEW LETTER dated XX/XX/XXXX  claiming the HOA had expired and they were going to buy me insurance. 

I contacted my lender and confirmed that our coverage had NEVER EXPIRED. It has been renewed and we continue to make payments. They submitted proof ( AGAIN ) of this online to NewRez.

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 2023-11-10
Company: MOHELA
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and the Department of Education are making it impossible for me lead & grow my corporation as the founder and CEO, of a SBA XXXX ( a ) registered company. The company was just denied a business line of credit and credit card by XXXX  XXXX XXXX stating the reasons as delinquent student loans and limited credit profile. I paid the student loans to a {$0.00} balance and did not wait for the government to give me a free hand out forgiveness loan. I worked 365 days straight with no days off to save up to pay off the entire loan balance. Almost 5 years later, the Department of Education is tarnishing my personal character by listing erroneous information that doesnt accurately reflect my character. The Department of Education is listing my accounts as delinquent when I paid them to a {$0.00} balance. This is a clear case of discrimination in lending and a clear violation of my rights under the FCRA. How dare the XXXX  XXXX XXXX representative criticize my ability to repay one credit card with a $ XXXX balance. Yes, I have repaid my one, open installment account to a XXXX balance every month since XX/XX/2023. At the age of XXXX and still leading an active/in good standing corporation for the last seven years in business, Id say we are an ideal business to receive funding from a traditional lender. But at this point its clear to me that the real reason for being denied a business line of credit for an established corporation with no derogatory reporting and an owner with good credit is only because of my race as a XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: W&A Intermediate Co., LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent documents in XXXX of XXXX to the debt collector XXXX, XXXX, XXXX and XXXX XXXX. Stating this debt does not belong to me. I have also requested several times to update all my contact information with all XXXX  bureaus. It still shows on my credit report as a closed account, this hurting my score. The fact that the balance increases. I do not owe anything to Wakefield & Associates nor do I recall visiting any hospital as the date shown on my credit report with Wakefield Associates nor have I ever done any business with their company past or present. I have requested that this information is to be removed and deleted as soon as possible. This is in violation of my rights according to the fair credit reporting act. someone is not marking the dispute information properly As far as XXXX is concerned they refuse to update any personal information on my credit report, names addresses phone numbers. With them being noncompliant I was force to place a fraud alert and security freeze on my credit report. 

I also filed bankruptcy in XXXX, I ask all XXXX agencies XXXX, XXXX, XXXX, XXXX XXXX and XXXX how was this information received and how was this information placed on my credit profile with written or verbal consent. 
I sent a letter to bankruptcy court as they responded by stating that they do not report to credit bureau. I have contact XXXX XXXX and XXXX requesting to which both company stating they do not report to any of the bureau. XXXX XXXX claims they have not provided my personal information to any of the XXXX bureaus. I was never ask nor Have I never given my consent verbally or written to place bankruptcy on my credit report. I'm well aware that this is public information, I never consented to place public information on my private credit report. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately. 

I also open a credit card with XXXX  XXXX back in XXXX of XXXX the credit card was closed in XXXX of XXXX. I requested a paid in full letter as well as a removal remark letter from my credit report since the balance as been paid in full. Instead I receive something stating this will remain on my credit report until XXXX. I request that information must be deleted immediately. 

Inquires- I purchased a vehicle on Saturday XX/XX/XXXX of XXXX without a pre-approval letter. In XX/XX/XXXX all inquires should have been removed from my credit report they remain. It would be dishonorable of to say these things are taking place to my demographics. 

I request that all information is updated with completeness and accuracy. If request can not be met I will be force to seek legal actions according to the violations that I have experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently checked my credit reports and I found out some billing errors that violated the Law Please see the copy of my dispute letters that were already sent to the involved Bureaus.

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 2024-02-08
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per the Fair Credit Reporting Act as a Federally Protected Consumer, according to the 15 USC Code 6802 a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. XXXX, XXXX and XXXX XXXX are third parties. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It states It is policy of the Congress that any financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 15 US Code 1681a Reporting Transaction History is illegal. According to the Privacy Act of 1974 it protects records about individuals retrieved by personal identifiers such as name, social security number or other identifying number or symbol. Individuals have the right to seek access to and request corrections or accounting of disclosures of any such records maintained about him or her. I am NOW opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802. I have included Barclays privacy policy which clearly states Barclays does not share to NON AFFILIATES. XXXX, XXXX and XXXX XXXX are NON AFFILIATES.

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 2024-01-31
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a hard inquiry into my credit from Barclays since XXXX. I understand that it can only remain on my credit for 2 years. This information continues to appear on my credit report in XXXX. They will expire and must be removed. Even though I wrote to Barclays, they have not taken action regarding this.

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 2023-12-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing with a heavy heart and a sense of desperation to request your understanding and compassion in a matter of significant financial consequence. I have been a loyal customer of SYNCB/CARE CREDIT for 8 years and have always appreciated the relationship we've had. Unfortunately, life has thrown an unexpected and devastating curveball our way. Recently, my family suffered the profound loss of a close family member, my beloved father. This unforeseen tragedy has not only left us emotionally shattered but has also brought about unexpected financial challenges. During this difficult time, managing the obligations associated with our [ Bank or SYNCB/CARE CREDIT account has become an overwhelming burden. I have reached out to your customer service representatives, and I must commend the empathy and understanding they have shown during our interactions. They have informed me about the possibility of a goodwill adjustment, considering the exceptional circumstances surrounding our situation.

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 2024-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My credit score was XXXX in XXXXXXXX XXXX XXXXXXXX. I check it several times each month. When I saw that my credit score had dropped by XXXX points in a matter of days, I was extremely upset. Transunion is responsible for lowering my score. 

On XXXX XX/XX/XXXX, I call Social Security Administration and requested that my monetary benefits be transferred from XXXX  XXXX XXXX to my account at XXXX XXXXXXXX XXXX. Unfortunately, the woman I spoke with could barely speak English and as a result, she transposed one digit of XXXX XXXX routing number. When XX/XX/XXXX arrived, my money was NOT in my XXXX account. 

I then began the tedious process of trying to locate my income. After calling SSA several times ... .several days in a row, I was told that I " had to go to the nearest SSA office, '' which is a 2 hour round trip drive, plus the long hours spent sitting in the SSA office until a worker finally has time to help. The worker clicked a few keys on her computer and said " your money will arrive at your bank within a couple of days. '' It did not arrive. 

SSA finally deposited my income on XXXX XX/XX/XXXX. This was too late for me to make an ontime payment on my VISA. So, my score plummeted through no fault of my own. 

Also, earlier XXXX had offered to increase my credit limit by {$1000.00}. They alreayd knew my credit score, but decided to do a deep dive into, which of course, lowered the score by a few points. 

Social Security is at fault for not hiring people who speak English and transunion is at fault for causing the bottom to fall out of my credit score. 

I will be XXXX XXXX XXXX in a couple of days. During XXXX and XXXX of XXXX, seven members of my family were called home to Heaven. Two of them were age XXXX and died suddenly ; another was my brother, retired XXXX XXXX and XXXX. My sister-in-law XXXX XXXX XXXX XXXX XXXX  died. Another sister-in-law suffered as XXXX and died. Her XXXX XXXX XXXX granddaughter as in the hospital room with her. The giril died hours later.

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 2024-02-07
Company: CITIBANK, N.A.
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have a checking account with Citibank in which I have had my direct deposit linked to since XXXX XXXX  XXXX, and use on a regular basis. On XX/XX/XXXX I deposited a check issued by the IRS in the amount of {$3700.00} using the mobile check deposit feature on my Citibank account. A few days later, I tried to log into my account and it was locked. I called the number on the back of my card and after verifying my account, they transferred me to the fraud department where the agent stated that my account was being closed and that I could no longer use my debit card or access it. When I asked why, she said she could not tell me why and that in the account holder 's policy, states that they have the right to close my account at any time without a reason necessary. I asked when I will get the funds that I have in the account she said in 60 days they will close my account and I might be able to get a check after that for my funds but that it's up to them if they give me my money or not. I asked to speak with a supervisor and she refused. After a few days of panic, I was able to obtain a number for the Citi Executive Response Unit and reached out to them. They responded quickly but have yet to find a resolution. They asked me to supply copies of my tax document in case it helps. I did that but still can't get an answer. My utilities have given me warnings, I am a single mother of 5,1 of my children XXXX and I can't even feed them at this point. My vehicle will be repossessed in a matter of days, I don't have access to my paycheck because I went to that account. I am scared and at a loss of what to do now. 
i ATTACHED THEIR RESPONSE STATING THEY WILL NO LONGER RESPOND TO ANYTHING ELSE PERTAINING TO THIS MATTER. I DON'T HAVE AN ISSUE WITH THE ACCOUNT CLOSING, MY ISSUE IS THAT I NEED MY MONEY BACK.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: GA
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 bring to your attention the ongoing challenges I have faced in attempting to correct inaccuracies on my credit report. Despite multiple efforts to rectify the situation, late open accounts and public records persist on my credit file, adversely affecting my creditworthiness. 

I have attached copies of my credit reports highlighting the specific late open accounts and public records, along with supporting documentation that demonstrates the inaccuracies. 

Despite my persistent efforts, the late open accounts and public records remain on my credit report, causing unwarranted damage to my financial standing. I understand the importance of accurate reporting for both consumers and creditors and am disappointed that my concerns have not been appropriately addressed. 

I kindly request that you conduct a comprehensive and expedited investigation into this matter and promptly correct the late open accounts and remove the public records from my credit report. Furthermore, I expect a written response within 30 days of receiving this complaint, detailing the steps taken to resolve the inaccuracies. 

If my concerns are not addressed within the specified timeframe, I will be left with no option but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to correct these late open accounts and removal of public record in my credit file : XXXX XXXXXXXX XXXX Balance Owed : {$2000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 
XXXX XXXX XXXX Balance Owed : {$950.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.

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 2024-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Hello, I reporting Bank of Americas unwillingness to refund a fee. I was assessed a $ XXXX  Monthly Maintenance Fee on XX/XX/24 due to the time timeframe of my banking billing cycle and employers direct deposit not having correlating schedules. After exhausting all levels of communication regarding this issue, no progress could be made on a resolution. Its was stated that because the fee wasnt a bank error that it could not be refunded. 

I took time to understand how the fee was assessed and make the appropriate actions to avoid future scenarios. It is very disappointing that the bank is willing to understand the customers perspective and uphold the value of their customers assets with their company.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 was looking at my credit report and noticed hard inquiries that do not belong to me on there

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 2023-12-12
Company: NAVY FEDERAL CREDIT UNION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My daughter and I had a joint account with navy federal since she was a minor when the account was opened. In the summer my daughter went to college. She received an email from a university account about a job offer. My daughter assumed the job was legit since it came to her university email from another university email labeled the office of student success. 

Well it turns out it was a fishing email and my daughter was scammed out of {$950.00}. I gave Navy Federal a copy of the emails and police report. They said my daughter and I would have to pay back the money. Although I was frustrated we complied.Navy federal began to withdraw from my main checking account and took my daughter 's direct deposit in an effort to get back the money. I would even make small transfers to pay the money back. In the end the bank took the last {$400.00} out of my account without my permission and closed our joint account. 

My issue is how can the bank close the account even though they received their money. When I asked the representative she was nasty and said because they can. I would like my daughter 's account reopened. The account is no longer in the negative and it isn't my daughter 's fault she was scammed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Barclays is not honoring their chargeback policy on items that was defective and a seller who was not honoring their return policy by making you pay for shipping. I sent tons of proof and the proof showed that the seller apologized to me and said they made errors XXXX my orders and still Barclays denied my charge back! Im very unhappy as I have sent tons of prof and called them 4 x a month regarding this!!!! I started the process mid XXXX XXXX prof and dates sent to them XXXX 8 pages of proof and had to call Constantly for any type of feedback.

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 2024-01-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting 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:
On XX/XX/XXXX, wells fargo, and XXXX XXXX ran my credit without my knowledge and permission and add an hard inquiry to my account On XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX ran my credit without my knowledge and permission and add a hard inquiry to my account I bought a XXXX car on XX/XX/XXXX. I authorized XXXX consumer to run my credit this day

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