BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed a complaint with the Federal Trade Commission and was directed to CFPB. 

SHELLPOINT HAS RECEIVED SIMILAR REQUEST BUT SHELLPOINT HAS NOT ADDRESSED THE QUESTION IN LEGAL MANNER. 

Shellpoint claims that the XXXX and XX/XX/2022 mortgage statement is different because the XXXX  is for XXXX XXXX XXXX Now, anyone with any sense knows that a XXXX is supposed to represent XXXX 2022- XX/XX/2022. 

Therefore, SHELLPOINT HAS NEVER EXPLAINED WHY THE 2022 XXXX AND MORTGAGE STATEMENT PRINCIPAL ARE NOT THE SAME. 

SHELLPOINT DEFRAUDED ME AND THE CARES ACT BY NOT APPLYING THE MONEY TO MY ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I attempted to retrieve my credit report from XXXX and was unable to do so. the company is not giving me my annual free 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 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account is paid in full remove immediately I uploaded the receipt to show it's paid

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 2023-08-27
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 is missing that should be on the report

Complaint:
I write to dispute data by XXXXXXXX XXXX  XXXX XXXX credit account due to missing, incomplete, inaccurate, conflicting and Facially False Data from my recent paper credit reports. I need the exact date of first delinquency supported by monthly statements from XXXX to XXXX. The required exact date of first delinquency is not prominently displayed on my credit reports. Thus constitutes a {$1000.00} willfully violation of the FCRA. I need the exact date of first delinquency on my credit reports. My account must be permanently listed as disputed and it was required to have been permanently disputed when I closed my account in XXXX and XXXX XXXX  XXXX failed to promptly or immediately report the account as closed by consumer mandating another willful FCRA violation for {$2000.00} effectively extinguishing the claims if XXXX XXXX. Missing data also needs to be inserted. Based on statutory damages and missing credit data it appears that usurious interest has been charged which extinguishes any disputed purported debt. No debt us owed and the account is permanently disputed. If the account remains it must be listed as disputed, closed with the exact date of first delinquency.

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 2021-03-17
Company: SYNCHRONY FINANCIAL
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:
Dear Sir/Madam : Synchrony Bank closed my XXXX XXXX XXXX store credit card account in early 2020 due to identity theft that happened to me. 

Once found the fraudulent activities I immediately reported to XXXX, XXXX  and XXXX  credit agencies and tried my best to get my credit recovered. In the meanwhile, I contacted Synchrony Bank to let them know my situation,. I even called and wrote a letter to the bank manage requesting that they reopen my credit account. I further offered to deposit a special amount of cash as a guarantee or back-up for the credit account. As a matter of fact, I myself has been a loyal customer of the Synchrony Bank and keep a decent savings account with them for many years. 

As of this date, XXXX  website shows my credit score as XXXX  and marked my credit as " Good ''. XXXX website shows my credit score as XXXX and marked my credit as 'Excellent ''. XXXX credit score is not available without a pay. 

Not long ago I opened a new credit card account with XXXX XXXX without any problem, and was given {$5000.00} credit usage easily.. 

However, Synchrony Bank still holds discrimination against me and keeps rejecting my XXXX XXXX XXXX Store credit card application now matter I have tried. Their last rejection happened just a couple weeks ago. 

I want the Synchrony give me an answer why my " Excellent '' " XXXX '' credit score still does not qualify for there bank credit account. What they need to do to have my right as a B & H store consumer. 


Thank you, Regards, 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 2023-01-10
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX  has been paid in full. The company website has no way to attach receipts of payment.

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 2021-02-14
Company: Kirschbaum, Nanney, Keenan & Griffin, P.A.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX the law firm of Kirschbaum, Nanney, Keenjan & Griffin, P.A. scheduled and attended a hearing in XXXX County Distrist Court with XXXX  XXXX  XXXX  XXXX  of North Carolina, Incorporated XXXX XXXX  XXXX  North Carolina that the consumer was not able to attend due to work certification and that the court was notified of and requested a continuance for approximately 30 days in advance. The firm falsely stated that XXXX XXXX XXXX of North Carolina, Incorporated ( XXXX ) was still the same company that they filed a Complaint on an expired judgment entered on XX/XX/XXXX for the XXXX XXXX XXXX XXXX of North Carolina, Incorporated D/B/A Progress Energy. Under the filing XXXX the court denied the consumers continuance and agreed that the company was still wholly-owned by XXXX and was operating as a foreign entity in the state of North Carolina. However this determination request written by XXXX 's counsel XXXX XXXX on XX/XX/XXXX to the XXXX XXXX XXXX ( XXXX  ) to avoid disqualification under rule 506 ( d ) of Regulation D. In it XXXX states it is in fact wholly-owned by XXXX XXXX and has been since XX/XX/XXXX. Further XXXX States it is controlled and ran entirely by XXXX XXXX XXXX 's and subject to total control by XXXX XXXX on page 6 and 7 and on pages 5 and on page XXXX XXXX states it is not a reporting company under the SEC XXXX and XXXX XXXX XXXX states " XXXX XXXX 's acquisition resulted in a change of ownership, control and management of XXXX and XXXX. XXXX and XXXX are now wholly-owned subsidiaries of XXXX XXXX. XXXX is now led by XXXX XXXX employees. '' Based on this evidence Fraud upon the court has been committed and it appears the SEC has been mislead in the companies present status if it is operating as a foreign entity. As XXXX XXXX XXXX XXXX North Carolina, XXXX XXXX XXXX XXXX North Carolina was not formed until XX/XX/XXXX per its fiticious name certificate it is impossible that the Plaintiff would have been party to the judgment entered on XX/XX/XXXX and is attempting to unjustly enrich itself via fraud upon the court. Further as I am a XXXX resident and the action took place across state line other violations may be present.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$4500.00} Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$6000.00} Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$6000.00} Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$3500.00} Account Name : XXXX XXXX XXXX Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$15000.00} Account Name : XXXX XXXX XXXX Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$44000.00}

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 explanation
Consumer complaint received 2023-08-30
Company: NAVY FEDERAL CREDIT UNION
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting Act 15 USC 1681 section 602 highlights the importance of consumer reporting agencies exercising their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information is not shared without my consent, as stated in 15 USC 6801. 

I am writing to express my concern about XXXX and XXXX, which are consumer reporting agencies that have been sharing my private information without my written consent. According to 15 USC 1681 section 604 a section 2, consumer reporting agencies can only furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. As I have not given my written consent XXXX and XXXX do not have the right to furnish my private information. 

Furthermore, the financial institution that has been furnishing my information to credit agencies has not informed me of my right to exercise my nondisclosure option, which is a violation of 15 USC 6802 ( b ) ( c ). Additionally, 15 USC 1681C ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any adverse item of information without authorization under subsection ( b ), which I have not provided. 

XXXX and XXXX are not maintaining reasonable procedures to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title, as required by 15 U.S. Code 1681e. Therefore, I am exercising my right to opt out of their reporting services, as stated in 12 CFR 1016.7.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello Dear Sir, I am reporting this incident that happened to me with a broken heart.I am a XXXX  by profession. I live in XXXX, XXXX. 

On XXXX XX/XX/, my wise.com account which I used to receive my remittance dollars through XXXX  was hacked and more than {$72000.00} USD was stolen from that account. 

I have reported this to Wise.com bank. They started an investigation. But, after 8 months of waiting period and investigation, they weren't able to recover any funds. Also, they refused to reimburse or refund me my stolen funds in their final response. 

Sir, I need your assistance to recover my funds. It was a big amount of remittance stolen from me through a cyber-attack. My phone was hacked somehow which I used to receive XXXX. I haven't received any OTP for making those payments. The Bank is making me liable for this and they even didn't try to track the money, where it goes. 

I have all the documents and invoices of my payments and wise account transaction histories. These are the transfers that made from my Wise account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that are still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: NEW IMAGITAS, INC
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
XXXX is advertising Boat & RV Loans through a XXXX paid search campaign ( that says Ad ). When you click on it, nothing discloses that its actually an unsecured personal loan application. In fact, youre given every reason to believe youre applying for a secured boat & rv loan until you consent to a soft pull, at which point you see a list of pre approved personal loan options at outrageous rates. This is deceptive and it pushes consumers into a higher, unsecured, rate thats 2-3x the average secured RV rate. I never would have consented to a credit pull for a personal loan. If thats what theyre selling, then it should be advertised as a Boat & RV loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
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: Investigation took more than 30 days

Complaint:
I first disputed a repossession on my credit report with Experian XX/XX/2019. I was unsatisfied with the results from their investigation saying verified so I attempted 2 more times to dispute the accuracy of legality of it's presence on my credit report. However, within days their investigation was again complete. So I sent certified mail asking them for debt validation. By the 15th day they did not respond and instead opened up another dispute. I am fed up. I am a single mother and still can not buy a car. They are stalling taking off this negative account from my credit report for no reason. I called and spoke with a dispute supervisor from Experian by the name of XXXX for 40 minutes on XX/XX/XXXX. He informed me that I mailed my documentation to the wrong address and that they never received the debt validation letter I mailed on XX/XX/2019. I informed them I mailed the letter and documents to them via certified mail and it was delivered by XXXX tracking number XXXX on XX/XX/2019 at XXXX XXXX signed for by Experian representatives. I am disappointed, but most of all appalled by their negligence to follow the FCRA 611 section a ) Which clearly states all unverified accounts must be removed from credit reports. Experian is violating my rights and this is not okay.

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 2023-08-29
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debtor has been sending legal forms and as a form of protection, I secured a lawyer. Payments were arranged but the debtor sent a motion to garnish my wages adding more charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
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: Investigation took more than 30 days

Complaint:
hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-03-08
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX of XXXX I had borrowed {$3200.00} from one main financial at an annual interest rate of 26.36 %. 
My monthly payment was XXXX which I paid all the way up till XXXX. So XXXX, XXXX, and XXXX. 
My pay off amount on XX/XX/XXXX of XXXX was XXXX. I spoke with the representative at the XXXX office if I could pay XXXX and pay off the rest over the next few months. She said yes. Made a XXXX $ payment to the principal. Therefore the balance of my loan should have been XXXX. 
I continued my XXXX payments for the months of XXXX, XXXX, XXXX, XXXX, and XXXX. Come XXXX I called and said there's no way I should still be paying on this debt as I had paid 5 months at XXXX $ which was almost XXXX XXXX Yet my balance was only XXXX in XXXX. They gave me a payoff amount in XXXX of XXXX which was XXXX. 
I filed a dispute with them and complained and said this can not be right. 
They never contacted me once..in XXXX I contacted them after I have completely stopped my payments in XXXX. They said they thought their credit team would reach out. ( They didn't ). Now in early XXXX of XXXX I contacted them again as no one has still contacted me and it showed up on my credit report. They assured me someone would call to get this debt resolved which they now say is over XXXX XXXX It is now XXXX. No one has contacted me and I feel I've been badly mistreated by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My credit score decreased XXXX XXXX  due to my SSN being compromised on the dark web.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX STOP THE HARRASSMENT. I HAVE XXXX. 
WHY ARE YOU HARRASSING ME? EXPLAIN WELLS FARGO. 

YOU HAVE BEEN PROVIDED ALL DOCUMENTS RELATING TO MY COURT ORDERED XXXX XXXX WELLS FARGO SETTLE WHY ARE YOU HARASSING ME. 

SEND MY COURT ORDERED CHECK ... CERTIFIED MAIL. 

STOP YOUR HARASSMENT!

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 2021-11-20
Company: TD BANK US HOLDING COMPANY
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Had a past credit card debt that was to be settled. It got taken to collection and placed with XXXX XXXX. They

Company response to consumer: Closed with explanation