BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-02-01
Company: Experian Information Solutions Inc.
State: OK
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:
Filed report in ftc.gov XXXX i do not consent to authorize nor benefit the following inquirieries XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX Remove them ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act 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 XXXXXXXX has violated my rights.

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 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 explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Consumer contacted Transunion to dispute inquiries that were not mine. I was told by XXXX XXXX of XXXX XXXX name given XXXX that inquiries could not be disputed. I was told to contact the creditor and send correspondence to them. I informed them that I will not contact someone I do not know. 

He said that inquiries were factual and they could not dispute them and that I would have to contact the " lenders '' directly and he would not dispute any of the inquiries. I asked them if they could give that to me in writing. He ignored the question. 

He said the inquiries were already in dispute as of XX/XX/2019. When I informed him that I did not dispute anything with transunion on XX/XX/2019 and when would the dipsute be completed he told me 30 days. I then inquired how was the item disputed and why does it not show " disputed '' on the online account I was then viewing. He did not seem to how know it was disputed. 

I was not given a record of the dispute such as a confirmation number for the call or dispute.

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 2023-07-20
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2023 I called and left a message for XXXX XXXX to give me a call back on my number. At XXXX XXXX I received a call back on work number. When I asked why he called that number he said that he just hit redial. During the entire conversation he would not allow me to speak. I felt like I was constantly trying to tell him what was going on and he refused to even give me the opportunity to speak. There is already a case open for my other complaint. XXXX. If XXXX XXXX would have actually read what was sent he may be able to understand what I am trying to say. I did ask to speak with a supervisor but was transferred to a voicemail. The fact is that we do not owe the money that they are trying to collect. We have told them this numerous times. We only owe about {$10.00} which I am more than happy to pay. 

Also they sent me someone else 's debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Loan is with Lakeview Loan Servicing - Loan number XXXX. 

I have requested multiple times to delete escrow on a VA loan and pay taxes and insurance out of my own accounts. I have asked to delete escrow altogether. 

Twice, this request was submitted in writing formally, and denied after lengthy periods with no explanation. My understanding is that a VA loan requires no escrow withholding. This company tells me I simply do not qualify as " 80 % of home is still owed ''. 

In addition, after I documented at length through phone calls that I would be paying my own insurance and taxes, this mortgage company still paid my taxes and put me into an escrow deficiency. I have asked for a manager to call me, and no call back was ever received for an entire business week. 

I now have made an additional payment of {$3500.00} directly to escrow to avoid a mortgage increase, and this payment will occur on XX/XX/2023. This payment is scheduled directly for escrow, and prior to any rate or payment increase. I do not want another mortgage increase, and no further escrow analysis has been done prior to this payment being made. In short, this payment should pre-empt any change and keep my mortgage how it is structured. 

Last, I plan to submit additional mortgage deletion requests in writing because I do not want this predatory practice to " manipulate my escrow '' to continue.

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 2022-06-17
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a telephone call in XXXX of XXXX from Dynamic Recovery Solutions concerning a debt from XXXX that I had no knowledge of. They sent me a letter that I had a " XXXX XXXX XXXX XXXX XXXX' account ending in XXXX, last statement dated XX/XX/XXXX showing a balance of {$9200.00}. I have no knowledge of this account and have in fact never even been in a XXXX XXXX XXXX, I had to XXXX it to find out what it was. I will attach their letter and the letter I am sending the collections agency in response. The alleged debt also clearly exceeds the statute of limitations on debt collection based on the Federal Fair Debt Collection Practices Act 15 U.S.C. ss. 1962 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX We purchased 2 separate upgrades to international flights on XXXX XXXX. Issue at the airline and documentation provided showed the flight was no actually upgraded as the issues with the services at the time prevent the seats from working and not being upgraded. 

We attempted to resolve with XXXX while in XXXX and then again upon our return. The only thing we received was a {$25.00} voucher as an apology. We spent {$1900.00} times 2 for these upgrades and that is not acceptable. 

We disputed the 2 charges and provided numerous amounts of documents and signatures within he 60 days of the initial charge. They closed out the dispute because CItiBank is too big to research and resolve anything. 

Break up Citibank!!!! 

I want my dispute resolved ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: GLOBAL CREDIT UNION
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In the XXXX I did two transfer from global credit union to XXXX  and XXXXXXXX XXXX  its been over 3 business days still haven't showed and a other one onnthebXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Conn's, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Conns is erroneously reporting my account to the credit bureaus. Conns is reporting the account as written off, which is absolutely incorrect. There was no amount written off. The account was paid in full. I spoke with Conns about the incorrect reporting in XXXX of XXXX, and was told it would be corrected, but Conns has not corrected the account reporting. Conns has been notified the information they are reporting is incorrect, and Conns has acknowledged they are reporting incorrect information. Yet, Conns has chosen, for over a year, to continue reporting the account incorrectly. Conns has had ample time to correct the reporting. Conns is knowingly reporting my account incorrectly to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX Account NumbeXXXX : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: NY
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have always made my payments on time. For some reason, I realized that there were number of days as late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of late since it's already been paid for. It seems impossible to appear as late on an account that has already been paid. Kindly help me correct this account reported by XXXX credit bureaus as negative in my credit report : XXXX XXXX XXXX Balance Owed : {$33000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX, around XXXX pm, I withdrew money {$700.00} for my mother ( XXXX XXXX ) at the BofA ATM close by my house. After I entered the pin, the machine returned back the card and it went back to the main menu. I did not hear the machine dispensing or making any noise counting the money, not even the receipt printed. I thought that I might entered wrong key, so I withdraw the same amount, but the account was already debited so the fund was not sufficient. Then I checked the balance, I found out that the money was deducted from the account. I took out my phone and called ( XXXX ) XXXX, but I could not get through the live representative because it was after the hour. I disputed the transaction stating that there was no money dispense. The BofA sent me letter denial my claim, state that there was nothing wrong with the machine. I called the bank numerous times and spoke to different representative and got different answers each time. I requested the XXXX footage to prove if the money was dispensed out from the slot. The bank didnt provide the XXXX but sent me the blurry snap shot showed something on my right hand. I would like CFPB to help out since this is my mothers account and she is on SSI, and I want to prove myself too that all the statement above is the truth.

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 2019-02-27
Company: WESTERN UNION COMPANY, THE
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I purchased a money order while out of town in XXXX, Georgia to payment my car payment for {$550.00} from XXXX 's on XXXX XXXX XXXX. The money order was lost in the mail. In XX/XX/XXXX I sent them the required paper documents to XXXX XXXX in XXXX, Colorado but they said they did not get it. I send it to them again by email and they send me back a copy of the money order showing who cashed it. I would like my money please!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EQUIFAX, INC.
State: OH
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 advised the credit reporting agency is breaking the law and asked for the inaccurate account be deleted and removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
recently I applied for a Bank of America merchant account for my small business and I purchased a mobile unit to accept credit cards that the bank charge {$99.00} for it I did 3 transactions and the bank told me that they were suspicious only because the address were the same. the addresses are same, the first 2 transactions were my other business paying with the business credit card to XXXX XXXX XXXX XXXX with the merchant account that also own and operate both businesses from the same office address, but to Bank of America its suspicious. this compliant is about the 3rd transaction and was last transaction before they suspended the account it was for {$1500.00} and the bank ask me for the 3 invoices for the transactions which I supplied to them containing all the information they ask for then they the close account. and the last transaction and return the {$1500.00} back to the card because the event was cancelled. The Bank did not credit my business account with the {$1500.00} that was return to the cardholder leaving the business checking short {$1500.00} even though the got the money they did not take the transaction fee of XXXX percent, but they still own the business money which their holding for 6 months, they told their excuse is if it becomes a charge back, however there won '' t be a charge back because the cardholder already got the money back, they refuse to Credit my Business with the Money for 6 months

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 2023-07-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I submitted a cheque in my Wells Fargo account and they made the funds available for me after a day. I used the funds and then they said that the cheque didnt have the funds. So they took out the money from my account.

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 2023-07-20
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage with XXXX XXXX XXXX XXXX was transferred to Shellpoint Mortgage Servicing ( a division of Newrez LLC ) and I received a letter from Shellpoint dated XX/XX/XXXX advising that they were now going to collect the loan payments on my loan number XXXX I have been continually incorrectly charged fees for lack of insurance which I have proved to Shellpoint on numerous occasions that there is insurance on the condo. 
They charge an HUGE fee ( {$670.00} ) for late payments on the monthly payment of {$2600.00} - I can not believe that this can be legal? 
The final tipping point for me was when I received a very aggressive phone call on XX/XX/XXXX from a guy at Shellpoint ( XXXX XXXX ) where he informed me that the mortgage was now in foreclosure and unless I paid immediately a sum in excess of {$8500.00} I would lose my condo. 
He then sent me an email with a " XXXX XXXX ''. 
I would point out that I was only in arrears for XXXX. 
He also said that there were " legal fees '' in excess of {$1000.00} to pay. 
I can not believe that this is legal. 
I wish to make the strongest complaint to Newrez LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: HYUNDAI CAPITAL AMERICA
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Deliberately Withhold my Consumer information, Dear/Sar/Madam, I have had attempted multiple times to get my consumer information from kia motors through phone , email and through the account portal that kia motors failed to provide me the information what I am looking for as a way deliberately withhold or conceal my consumers information. 
1.Freezed my account/rejected my payment 2.My email, mail, online, phone requests to get get my documents got rejected. 
I again request kia motors to forward me the following consumer informations to my email address associated with my account if possible ( XXXX ), otherwise to mail me to my mailing address " XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX '' 1.My Online kia motors finance information and updates that I did including if there is phone number change, address change, alert chage and consent type. 
2.All billing statements that I did 3.My loan agreement that I did with you.

4.Notices that you sent to my address in each step of your collateral seizure/repossession ( It can not be called repo in Nevada what you did . ) 5.if possible, limited access permission to my online account/just to revise my documents. 

Best Regards

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 2019-11-25
Company: EQUIFAX, INC.
State: TN
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:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation