BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Re : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXr XXXX / XXXX XXXX Follow up the Shellpoint Mortgage Servicing LLC 's reply dated XX/XX/2022. 

Attached, please find the final paid-off wire statement from XXXX XXXXk {$120000.00} ( attached 1 ). 

Attached, please find the bank statement payment proof that the {$3000.00} fund was sent on XXXX XXXXXXXX XXXX ( attached 2 ) and posted to Shellpoint Mortgage Servicing LLC XXXX XXXX Account on XXXXXXXX XXXX XXXX. ( attached 3 ) - XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$120000.00} ( attached-1 ) XXXX XXXX  XXXX {$3000.00} ( attached -2 & 3 ) Total deposited and wired {$130000.00} as at XX/XX/2022 ( exectly paidoff amount requested from ShellPoint dated on XX/XX/2022 ( attached -4 ) for the payoff date XX/XX/2022. 

According to Shellpoint Mortgage 's instruction/ payoff letter dated XX/XX/2022 ( attached -4 ), I have been settled and fully paid on XX/XX/2022 by XXXX payment before date of XX/XX/2022. Please apply these payments/funds to pay the loan in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: LEXISNEXIS
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
LexisNexis is providing invalid information to the credit bureau as well as on my file about a bankruptcy that I don't have. I have requested on XX/XX/2019 for them to verify the validity of the information that is on my file and they have yet to do so. LexisNexis have not given me information for where they have gotten there information from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I reached out to all XXXX inquiries companies that were on my credit report to have them removed into inform them that my information was obtained illegally, and Credit was trying to be obtained illegally, and they still havent done anything about removing them from my 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 2022-05-23
Company: Genesis FS Card Services, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX, I closed my account with indigo financial ( Genesis FS Card Services ) with a XXXX dollar balance. 

In XX/XX/2022 I receive a notice that I had a balance on the card. I contacted them about the balance and found it was for unpaid interest charges On XXXX, I spoke with Indigo about my card because I yet again receive a notice that there is a balance. The balance is for XXXX XXXX XXXX on a closed card with XXXX balance. They also had charged interest. They acknowledge my card was closed on XXXX. They are blaming the XXXX XXXX XXXX however didnt understand why the card was still allowing charges after being closed. 

At no point did any agent Ive spoke to have any empathy or concern that the company had done something that is illegal. 

I fear this is not the last time I will have this issue with Indigo. Unless action is taken by a governing agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  # 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 2021-06-05
Company: SYNCHRONY FINANCIAL
State: WA
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:
An identity theft used my personal data to apply for a Paypal Credit account in XXXX of 2020. I have credit monitoring tools, so I was alerted and reported this to Synchrony/Paypal Credit immediately. Because of my quick response, they took {$0.00} loss since the fraudster didn't even have a chance to use the account before I had it reported and closed. 

As part of the closure process, I was assured the credit inquiry would be removed from my XXXX  credit file, as these can have an adverse impact on credit. Over a year, and 5 phone calls later, they have failed to remove it. I have even sent written requests. The most recent one I sent, I received a letter in response but they failed to take the required action as promised in the letter. I talked to them today, and asked for a confirmation that the request was made, and/or a follow up call to confirm. I was told that they have no way to offer either. I am expected just to wait for the letter that they will supposedly send me with 30 days, and if I don't receive it to call them back. This is the fifth time I have been through this loop. He said he didn't see any evidence that it had been requested on my behalf at all. 

It is completely unacceptable that Paypal Credit/Synchrony Bank will not give me any options, refuses to be held accountable for completing something they are required by law to do, and have failed to follow through completion of the required action despite promising me over & over that it had been done. Their inaction is having an adverse impact on my credit, even though they know the account opening was fraudulent, and took the steps necessary to protect THEMSELVES because of this, but won't take the simple step to help the identity theft victim by removing the credit inquiry.

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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, The XXXX XXXX XXXX XXXX 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 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 2022-05-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a collections bill that after repeated attempts have not received any verification what the bill is for. I called Wakefield and Associates after receiving a bill for {$710.00} to ask what exactly the bill was for. I had not received any previous notification that anything was owed in this amount. Wakefield and Associates informed me that this was a XXXX bill and that I needed to write them an official letter to receive an itemized receipt. I did that and received a letter back on XX/XX/2022 saying that I owed XXXX XXXX XXXX, XXXX. This was not in any way an itemized receipt. I am writing today because I do not believe I owe anything to this company, but I have no way to prove this. My family and I are enrolled in a program called " charity cares '' at our hospital, XXXX XXXX and this program takes care of unpaid bills because we have qualified as a low-income family. I am not sure where to go from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: GA
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 sent a copy of the FTC report, it took some time for it to become clear that the credit bureaus are not obstructing records. I'm sending this complaint to help with organizing a legal response because it is required by FCRA regulation 605b. If you choose not to stop the further objects listed below that are responding falsely as a result of fraud. The following items must be deleted from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$180.00}.

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 2022-05-23
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid and resolved in XXXX XXXX ( from XX/XX/XXXX - bad debt/did n't belong to me to start with - Per attached court documents. Should not show as I made a payment. 
Should be removed as XXXX/remove as agreed, why is XXXX XXXX XXXX/LVNV not being held accountable for this? 
My credit is yet being damaged again. This is be XXXX and removed. Please help. 
I paid an Attorney to fix this from being sued in court over a balance I do not owe to start with. Please help. 
Showing the $ XXXX payment is actually worse on my credit- than they way it was XXXX XXXX in as bad collections. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: First Texas Auto Credit, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX Texas Auto Credit have threaten to repossess my vehicle and harassed closed friend and family over a my XXXX XXXX XXXX XXXX. I was also threaten that the vehicle would be removed from me even when I shared medical and personal reasons for the use of the vehicle ; then I made it very clear of my financial situation due to the current pandemic and I was still denied for this vehicle. Also, to my understanding according by federal law that if a firm/company is caught taking cash in a credit sale is illegal ( Title 15 usc 1601, 1602 & 1605 ). I have already paid {$8900.00} toward this vehicle towards illegal activity. 
The constant harassment calls to me and my family and friends has become very heavy on my family and I.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Reporting of 30-Day Late Payment Account Number : XXXX XXXX XXXX XXXX XXXX, I am writing to formally dispute the inaccurate reporting on my credit history regarding a XXXX late payment that occurred in XX/XX/XXXX. This discrepancy exists due to my XXXXrelated circumstances during that time. 

As per the CARES Act, which was enacted to provide economic relief to individuals affected by the XXXX pandemic, it is explicitly required that lenders report accounts as current if the late payment was a direct result of hardships caused by the XXXX virus. I would like to affirm that the XXXX late payment in XX/XX/XXXX was a direct consequence of my contraction of XXXX. 

Under Section 4021 of the CARES Act ( 15 U.S.C. 1681n ), it is illegal for a lender to inaccurately report information regarding a consumer 's account, especially when the reporting is deceptive and noncompliant with the law. Failure to rectify this inaccurate reporting may lead to legal action on my part. 

I kindly request that XXXX XXXX XXXX  take immediate action to correct the inaccurate reporting on my account by removing the XXXX late payment notation for XX/XX/XXXX. This action is essential to ensure the accuracy of my credit report and prevent any unwarranted harm to my creditworthiness. 

If XXXX XXXX XXXX  fails to correct this issue within 30 days of receiving this letter, I will have no choice but to pursue legal action for false reporting, deceptive practices, and civil liability under 15 U.S.C. 1681n. I sincerely hope it does not come to that, and I trust that XXXX will take this matter seriously and act in accordance with federal law. 
I appreciate your prompt attention to this matter and request written confirmation of the resolution once the inaccurate reporting has been corrected. 

I have also sent this letter to the Federal Trade Commission, XXXX  Department of Financial and Professional Regulation, Office of the Attorney General, Department of Banking and Finance, Office of Thrift Supervision, XXXX XXXX XXXX, National Association of Attorneys General, Advocates for Fair Credit Reporting, Consumer Financial Protection Bureau 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 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I reached out to all XXXX inquiries companies that were on my credit report to have them removed into inform them that my information was obtained illegally, and Credit was trying to be obtained illegally, and they still havent done anything about removing them from my 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 explanation
Consumer complaint received 2019-06-25
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been charged for years a service fee for something called ( Payment Safeguard XXXX )  and this is something I never requested neither remember approving it at all .... I use the card a lot and get hundreds of charges, so could not identify until now. 
I have called Citibank to cancel that and to apply full refund, however they simply cancelled and even with future date XX/XX/XXXX and not applying the rexpective refund with is very disappointing must say ...., attached is the oldest charges I could retrieve from XX/XX/XXXX and until today I have been charged {$690.00} and I have this card since around XX/XX/XXXX so  cant imagine how much I have been charged for over 10 years and need help with this refund please please, Thanks in advance and Best Regards, 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 explanation
Consumer complaint received 2021-06-04
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX, the branch manager at US Bank in XXXX XXXX requested forms verifying my State of Ca paycheck in order to release my funds after my account has been closed. 

My HR department spoke with XXXX directly and submitted the forms he requested and he is now saying he does not know if he can release my funds back to me. 

My HR personnel confirmed with our State Controllers Office that the check did not return as they claim and was in fact processed, US Bank received the funds from my check on XX/XX/2021. 

Please review the attached documents. 
For one month they have continuously attempted to block every opportunity to release 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 2020-02-03
Company: MoneyLion Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I previously had a loan with Moneylion, that was paid off on XX/XX/XXXX. However, on XX/XX/XXXX, I received a credit monitoring alert of " New Bank/Credit Card '' and that " MONEYLION INC reported a new account on your XXXX  Credit Report. '' I did not apply for nor approve any additional loans or services with MoneyLion. I am enclosing a copy of the credit monitoring alert showing the reporting of this fraudulently opened " New Bank/Credit Card '' account. I demand that a thorough investigation into this matter be completed expeditiously and with haste.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I decided to look at my credit report and notice that XXXX XXXX XXXX is still reporting inaccurate information on all of my credit bureaus. I have paid this debt and they have agreed to remove the debt and it is still reporting on my credit. From my understanding the credit reporting agencies are supposed to be all accurate and I have attached where Date of last Active all are reporting with different dates, date of last payment ares seriously reporting inaccurately and each credit report agency are supposed to report on the same. I have attached documents

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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-05-23
Company: M&T BANK CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received a debit card from M and T bank in my name and address. I did not open this account, nor have any knowledge of the account. There is no bank in my area. The account and associated debit card are fraudulent.

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