BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I sent this company a dispute letter on XX/XX/2022, but I haven't got any response from them nor have they updated my report. I am well aware that the FCRA are requiring the CRA 's response within 30 days so this time I am seeking help from CFPB, XXXX  and the Office of the Atty General.

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 2019-10-05
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX, I checked my balance on the Cash App and it was around {$3700.00}. On XX/XX/XXXX, I tried to send money to someone and the app showed {$0.00} balance and I couldnt send money. There was no debit card or bank account attached to my cashtag $ XXXX. I tried to retrieve my account and it was unavailable. I opened a new one named $ XXXX thinking I could merge them. I couldnt. I contacted Cash App Customer Service on XXXX and XXXX messenger and email. They said they would get back to me today. Its been 24 hours and I dont have my money and they have said that they are not going to engage anymore. My money is gone and my rent is due and they dont have a phone number or any way to explain what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Shellpoint Partners, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX Bank sold my loan to Shelllpoint mtg. on XX/XX/2021 but Shellpoint mtg paperwork is incorrect and shows XX/XX/2021. With this incorrect date Shellpoint mtg has sent me letters stating that they will foreclose on my home. Now they have the escrow balance incorrect and say that I owe them roughly {$18.00} when they owe me over {$2600.00}. I have filed numerous complaints on their web portal. I have called numerous times, and I am trying to refinance through XXXX bank but Shellpoint refuses to correct the loan transfer date and they refuse to correct my escrow balance. This is consumer fraud and there is no one to help me. I have been working on this since XX/XX/2021 and neither XXXX XXXX who sold my loan nor Shellpoint will do anything? I have also filled out a complaint on the FBI 's portal but no one has contacted me. 

I need help with this fraud.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
On XX/XX/XXXX, I refinanced my car through Capital One. During the refinance, I was taking my ex-husband 's name off of the title of my car. I submitted the limited power of attorney for myself and my ex-husband to show that he would no longer be on the title. 

I have contacted Capital One Auto Finance on numerous occasions to get an update on the status of my title because I still have not received a valid registration for my car and when I received my Personal Property Bill for my area on XX/XX/XXXX, it still has my ex-husband 's name on it. 

I have contacted Capital One at least 2 times a month since refinancing in XX/XX/XXXX. Every time I contact them, they tell me that the " back office team '' is working on it and they are backed up, but it should only take 2-3 weeks for this to be completed. It is now XX/XX/XXXX, and I just got off the phone with them again and they still have no update. 

Every time I call, they tell me that the back office team will be calling me with an update, but I have not received the call from them at all. 

This issue is a domestic XXXX issue as my ex-husband can't know where I live or have any access to any of my assets. His name on my car causes a lot of issues because he could do something to my car in my area since it is his car, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: ZIONS BANCORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The XXXX XXXX XXXX has reached out to Amegy Bank on several dates going back several years to rsolve the banks continuing practices of illegal discrimination and modern day redlining - all to no avail. 

Amegy Bank remains in denial and refuses to meet to resolve the outstanding Illegal Discrimination Claims - outlined in the Complaint.

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 2023-08-16
Company: Experian Information Solutions Inc.
State: NV
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:
My credit report is showing late payments to XXXX XXXX XXXX, XXXX  XXXX BANK NA XXXX, and XXXX  ACCOUNT SER XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

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 2023-09-10
Company: CL Holdings LLC
State: CA
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:
JEFFERSON CAPITAL SYST Original creditor : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/2022 Account type Debt Buyer This is identity theft I have no knowledge of this account, tried to dispute it but I got nowhere with that process, complained with ftc and now cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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:
It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the lawXXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been overcharged for escrow for several years. As a surving spouse of a XXXX XXXX I receive exemption from property taxes. Due to the incorrect tax amount approx. XXXX a month I was assessed on my monthly mortgage I became delinquent. I worked with my local tax assessors office to get there records to reflect my VA exemption then I provided the new bill to XXXX. Yet I continue to be charged monthly for a tax allocation. For over a year I sent paperwork requesting assistance. I asked to have some type of plan to pay back the correct amount due over time or put toward the end of the loan. I wa denied the only option I was given was to surrender my house. 
Currently I am in foreclosure. I have lived in my home for 26 years and want to remain here. The original mortgage servicer was XXXX this company had me send thousands of documents over 18 months worth. After continuous prolonging XXXX was replaced by Shellpoint they determined I did not qualify for any modification or payback program because my payment would have to be reduced once the program was over. I explained again to the new company Shellpoint that my monthly payment did not reflect the correct tax assessment and that alone would reduce my monthly payment. I have the income to pay but they want the entire balance even though the amount is incorrect. Shellpoint and XXXX have been negligent in servicing my loan. I want my mortgage taken out of Foreclosure and my tax removed from monthly bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: TX
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 six 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

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 2023-01-26
Company: Experian Information Solutions Inc.
State: DE
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 to the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 



USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if information other than. Records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows it has reason to know that the consumers employer prohibits the consumer from receiving such communication 15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number.

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 applied for an auto loan and was under the impression there would only be 1 inquiry produced from it. However, it produced many inquiries on different dates and times. These are the companies listed below : XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX Mortgage Companies - XXXX XXXX TransUnion 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion 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 XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXXXXXX XXXX XXXX XXXX Mortgage Companies - XXXXXXXX XXXX  XX/XX/XXXX TransUnion

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 2022-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

This item/account is unknown to me. Also, the information you provided on some item is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some item is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, CAPITAL ONE XXXX Date Opened : XX/XX/2008 Balance : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: IN
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:
My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: PA
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 2020-10-01
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Called by a woman, she wanted me to " identify '' myself/verify identity with her, I told her I don't do that for people who call me and that I was going to bed for work. She interrupted me and said " yes and this is the last five minutes my office is open too '' in an antagonistic tone and that she worked for BECU and she called me by my name, I again told her I would be going to bed and she interrupted me again. Offended I asked her for an employee number, she gave me her name but, refused to give me anything else other than " XXXX working at BECU '' I attempted to call BECU back after she refused to give me any kind of employee ID but, they were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: VA
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:
Please be advised that XXXX XXXX XXXXXXXX ACCT # XXXX or Acct # XXXX is attempting to collect on an expired debt. I am invoking my right to cease them, based on factual law that this debt in question is legally expired under the Statute of Limitations and Must be Deleted from my credit report the last date of activity was XX/XX/2018 I am completely aware of how long the debt is legally collectible and how long it is legally reportable. I realize an OPEN-ENDED DEBT is allowed to be reported to my credit for 3 years in the state of Virginia according XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX My research has shown me that often a collection agency and original creditors will reset the date of the original charge off to the date they purchased or sold it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you can make the credit bureaus do the right thing. 

Also this account is showing 2 different kinds of account number XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Beginning XX/XX/XXXX, I began receiving letters from various credit card companies regarding an application made in my name. To date there are eight cards which have been requested using my stolen personal information. I have placed a credit freeze with all three credit agencies and subscribed in XXXX, and have filed a police report. At this time it does not appear that the criminal has succeeded in receiving any of the cards. Here is the list of fraudulent cards requested. XX/XX/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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25
Company: BUSEY BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had fraud 2 times in the past 2 months. This last time the bank allowed someone to use XXXX to take all the money from the account. {$380.00} to be exact! I saw what happened and contacted the bank. I explained that I never use XXXX! Why should I when there are other means to send money? They cancelled my account!!!

Company response to consumer: Closed with monetary relief