BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-19
Company: Shellpoint Partners, LLC
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: Problem with personal statement of dispute

Complaint:
Shellpoint Mortgage Servicing XXXX, SC XXXX XXXX XXXX XXXX XX/XX/XXXX I am writing to have a Late payment that was reported to the credit bureau removed from the credit bureau reporting. The late payment was removed by the representative and I was told that it probably would not be reported to the credit bureau after explaining what had happened. 

However, I am addressing an issue with Shellpoint Mortgage from XX/XX/XXXX of XXXX. Whereas, I called, they called, in to make a payment and come off of the deferred payment status that I was under at the time. The representative informed me not to make a payment because it was coming to the end of allowable deferment and that it could potentially interfere with the repayments being placed at the end of the loan ( to be repaid at the end of the loan ). Of course, I believed this and didnt want to have to pay everything that was deferred back all at once. Then I also attempted to make an Escrow payment and was told the same thing. Upon agreeing not to make any payments I was informed that I shouldnt need to make a payment until XX/XX/XXXX, because processing would take a while to review and complete ( usually within/up to 30 days and that I should receive a letter as well ). 
Now, when I went to make my XXXX payment I was told that I needed to make 2 payments to catch up the loan. I was informed that there had been a missed payment in XXXX and that a letter was sent out to make an XXXX payment. I informed the representative that I didnt get or see a letter and that I had attempted to make a payment that would have covered XXXX but was told not to do that so it wouldnt interfere with the process of placing the deferred payments at the end of the loan. 
I asked that the phone conversation and or transcript be reviewed and they gave me a number to call to get a copy of the conversation/call pulled. Later I was told that they would not give that to me and it would be reviewed internally and a letter sent out. After that I received a letter saying that I was sent a letter out in XXXX telling me to make the XXXX payment, that my status was reviewed and approved the next day. 
I am asking that this late payment status be removed from the credit bureaus reporting status as there is conflicting information being given out. I believe that weve had 1 late payment with Shellpoint several years back prior to this and no more than 2 over the life of this 17 year loan for this property. Especially, since I clearly stated that I was trying to make a payment and was advised against it. I always call in to make my payments. I am asking that the CFPB review the call or transcripts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid 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:
Hello Last year 2022  I requested program to be developed on upwork by a freelancer on there platform which started working and charging me for it mean while all I was receiving where codes screen shots from upwork On XX/XX/2022 I received a email from upwork informing me the the XXXX was under investigation for fraudulent activity but that I had nothing to worry about since he could not withdraw the funds from His account On XX/XX/2022 I received another email telling me that my contract had been successfully completed and that the XXXX was being band from upwork and his account closed to which I replied by telling them that I had not closed the contract and had not received the work that I had already paid more then XXXX for I have since started multiple disputes with everyone involved from which I have been able to recuperate most of my money The remaining balance is for XXXX from synchrony bank credit card which I have disputed more then 3 times and they keep siding with upwork all of them knowing that I got charged for something I never received they are all robbing me

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 2023-09-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened my account with Citibank. 
I made a deposit in form of a check. The funds were made available after 2 business days. I was able to use some funds. Then all of a sudden I wasnt able to use my debit card, or any transfers online. I called customer service they asked me to verify some transactions that I had made. I verified them. Then they said I should be able to use my debit card. But I still wasnt able to use. 
I called again and they said my account was locked and I would get an email with reference number and once I provide that only then they will be able to unlock my account. Its been over two weeks neither I have received any mail nor the bank has removed the lock. I have {$39000.00} in my account and I am unable to withdraw or transfer funds. I need money for my basic needs and I have no access to my money. I have gone to the branch twice and then arent able to help me. I need access to my funds.

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 2020-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have filed a dispute and have not received any communication in 30 days

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 2023-01-24
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'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 explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid 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:
I called Wells Fargo to dispute a charge on my credit card, but was forced to close my account and open a new card. I explained that I had already contacted the merchant XXXX times about the erroneous charge and they acknowledged and promised to refund both times ; I reached out to Wells Fargo because I still did not get the promised refund after a month. I explained that it appeared to be a bad business practice on behalf of the merchant ( XXXX ), but the Wells Fargo rep insisted that the account had to be closed due to fraud even though there were no other questionable charges and the merchant acknowledged the erroneous charge. I did not feel comfortable closing my account but the rep said that was the only way I would not be held liable for the charge. I simply wanted to file a dispute for the charge and get it reversed, since the merchant did not follow through on their promise to. 

The charge in question was submitted by XXXX and posted on XX/XX/XXXX in the amount of {$34.00}. I contacted XXXX directly on XX/XX/XXXX ( the day I received a text notification of the pending charge ) and again on XX/XX/XXXX. Both times, XXXX claimed the refund would post to my credit card in XXXX days. That never happened, so I contacted Wells Fargo on XX/XX/XXXX to file a dispute on the charge. I spoke to " XXXX '' who transferred me to Claims ; then I spoke to " XXXX '' who transferred me to the Credit Card Dept. ; then I spoke to XXXX, who closed the card due to " fraud ''. XXXX said she was required to close the card and issue a new account- and that I would receive a new card within about 7 days. I kept informing her that I did not believe it was fraud but merely poor business practices on behalf of XXXX. I explained that I have an active XXXX account, XXXX acknowledged the erroneous charge, and that there was no other questionable activity on my account - yet XXXX advised that the only way I would not be liable for the charge was if I closed the account. This doesn't seem right. I don't understand why they couldn't accept the dispute request and investigate rather than close the account while opening a new one.

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 monetary relief
Consumer complaint received 2021-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I wrote to you requesting an investigation into items that I believed were INNACCURATE I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth 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 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 XXXXXXXX Balance : {$0.00} 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 2023-01-24
Company: Experian Information Solutions 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'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 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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 Account # XXXX, has violated my rights. 

15 USC1681 Section602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reportingagency annot furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-01-24
Company: EQUIFAX, INC.
State: TX
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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Your records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} ; XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: CA
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 have several inquires on my credit that I did not authorize and need removed as it is detrimental to my livelihood and future. I'm currently looking to purchase a home and viewed a recent report of my credit reports with Equifax, XXXX, and XXXX. Upon reviewing my reports I have identified these Inquiries that weren't authorized : XXXX XXXX XXXX, XXXX, XXXX OF XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX. These inquiries were done without my consent and needs to investigated. I need these Inquires removed immediately as this is affecting my chance to apply for a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Was hospitalized for an extended period In late XX/XX/XXXX-XX/XX/XXXX due to auto accident. Former friend used some of my credit accounts without my consent or knowledge. Police report filed. He was convicted of theft. I was not held responsible by other creditors as it was through fraud and theft. I have resolved all issues with other creditors that were likewise defrauded. I have open and in good standing with XXXX XXXX to this day. The erroneous reporting concerns two old accounts I formerly had. I have contacted XXXX XXXX and the reporting agencies. XXXX XXXX long ago ceased any collection activity and issued me new accounts. But my credit report still shows these two negative accounts, much to my detriment.

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 2023-06-07
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I want to bring to your attention that the XXXX account in question has already been charged off and resolved. I have fulfilled my obligations by making necessary payments to settle the debt, and the account is no longer active. It is crucial to note that the reporting of account abuse is misleading and damaging to my creditworthiness. 

I respectfully request a thorough investigation into this matter and request that ChexSystems provide evidence supporting the claim of account abuse. Additionally, I would like to request the removal or correction of this inaccurate information from my consumer report, as it is having a detrimental impact on my ability to obtain financial services. 

I understand that ChexSystems has a responsibility to ensure accurate reporting of consumer information, and I trust that you will handle this dispute with the utmost diligence and professionalism. Please provide me with a written response regarding the outcome of the investigation within the time frame prescribed by applicable laws. 

Thank you for your prompt attention to this matter. I believe that through your assistance, the inaccurate information can be rectified, and my consumer report can be updated accordingly.

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 2022-05-19
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act the accounts listed below have 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 an account without my written instructions. I would like the following accounts removed from my credit report for violating my rights : XXXX of XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXXXXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX  XXXX ACCT XXXX XXXX Thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: PA
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 explanation
Consumer complaint received 2017-12-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
My name is XXXX XXXX XXXX I been banking with your bank since XXXX. I had over half a million dollar in my account. I visited the XXXX office to do a transaction in XXXX XXXX. The banker took a copy of my green card and my social security office which I never understood the reason why she asked for them. Few days After I received a phone call from one of your an unethical banker from the XXXX office to apply for a credit card. I informed the unethical banker that I dont have a need to have a credit card. She informed to please get the card so she can meet her goals. I agreed to apply for regular credit card not secure card. Shortly after, I noticed a withdraw for {$5000.00} from my account. I immediately called the bank and said they applied for a secure credit card. I informed her I never agreed for the secure card. She apologized and asked me to keep the card. I never received my Wells Fargo credit card. I dont reside in the states and dont understand their system. On our last trip to USA I discovered that I am on bad credit when I applied for my son for student loan to go to XXXX XXXX. The banker asked me to pay for the card to not get my credit report damage further and instructed to file a fraud claim. I filed a fraud claim and police report over a month and half ago. No solutions been accomplished yet. I would like to bring to your attention that we were out of the country during the whole period of the card being used. Please find attached a copy of our passports and tickets. The attached documents prove that we spent from XXXX XXXX to XXXXXX/XX/XXXX in the USA. Our next trip to USA was from XX/XX/XXXX tillXX/XX/XXXXXXXX. 
My Social Security Number is XXXX. My husband by name of XXXX XXXX XXXX XXXX also encountered the same fraud from the same banker and bank on the same day. His claim was approved and my claim was declined. 

XXXX, the times we spent in USA throughout our lives were as follows ( as proved by the documents ) Mon XXXX XXXX XXXX Till Fri XXXX XXXX XXXX XXXX XXXX XXXX till XXXX XXXX XXXX XXXX XXXX XXXX till XXXX XXXX XXXX XXXX XXXX XXXX till XXXX XXXX XXXX XXXX XXXX XXXX till XXXX XXXX XXXX As you see from the pattern of our travel, we spend around15 days in the USA every 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 non-monetary relief