BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am a closing attorney. I handled a closing for a client in which a manufactured home was also being conveyed. Shellpoint Mortgage is the holder of the mortgage on the manufactured home. They admit the lien has been paid. They stated they sent a lien release to the seller for my closing, but South Carolina law requires the release be sent to the SCDMV. I cited the law to Shellpoint and have provided ample opportunity for them to remedy their failure to comply with South Carolina law. They refuse to take any further action or to comply with the legal requirements of the SC Department of Motor Vehicles. My communications have been with XXXX and was told by whoever monitors this email address ( no signature included in their email ) that I would need to direct my inquiries to the Shellpoint customer only.

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 2022-11-01
Company: CITIBANK, N.A.
State: NJ
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:
Did not receive any statements or phone calls from the store department credit card where I made a purchase of {$58.00} in XX/XX/XXXX. On XX/XX/XXXX I received a letter that might account might be permanently closed due to late payment. The balance now that I own was {$170.00}. I called the company and explained the situation. They said that in error I was enrolled in electronic statements and they never sent me any statements by mail. They agreed to waive one late fee of {$39.00}. I asked them to waive all late fees and wanted to pay my original balance of {$58.00} but they denied.

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 2022-11-01
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My Serve card was stolen on XX/XX/XXXX. I had 3 charges on the card before I caught it. I reported the card stolen and the charges on the same day XX/XX/XXXX. I went and did a police report and filled their declaration of fraud. On XX/XX/XXXX I received an email for Serve saying they denied the disputes. I called them and they reopened the case. The police officer who filed the report called them 3 times and they put him on hold and then hung up. I called them yesterday XX/XX/XXXX and they said it can take 45 days. But per there rules they should give a provisional credit they said they are waiting to hear from someone if I am approved for this. This is for American Express Serve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Credit companies have for years refused to correct my personal information. Transunion has stated that " it's against the law to remove or update names and addresses they are connected to accounts on my file. The other XXXX just say they will and don't follow up even after I called them after XXXX days. 

I see that Charges offs are being added to my reports after paying the original companies, All XXXX Agencies see ( after I have called them ) this and have done nothing to remove this, again all XXXX. 

Late payments - missed payments - collections - charges offs should not be listed anywhere on my reports. Soft inquiries and Hard inquiries should not be anywhere on my XXXX or more reports.

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 2022-12-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX my cards were accessed and used to make false charges. At the same time someone sent themselves XXXX checks for XXXX XXXX  each, {$5000.00} total. 

I regained access to my account on XX/XX/XXXX and contacted Usaa. I was told my account would be reimbursed and to call back in a few days. It took XXXX weeks, in part because my file was never updated. 

During that time I was contacted by a data recovery scammer claiming even more of my data had been exposed. Over the course of several days he gained my trust and convinced me to authorize a transfer of {$9000.00} on a XXXX call with him and a USAA rep XXXX who I asked repeatedly whether this seemed legit and ignored me. 

After sending the {$9000.00} I decided I had been scammed and put a stop on the transfer. The same day, XX/XX/27, USAA contacted me and said they were electing to sever their relationship with me as a customer. All my credit cards, all my savings accounts, and all my checking accounts. Now my funds are in limbo for XXXX months while I wait for them to finally close my accounts and transfer my funds. 

I had been a loyal USAA member for XXXX years and previously would have recommended them to anyone eligible. Now I just want them to send me my money so I can never interact with them again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent a letter to TransUnion on XX/XX/2022 giving my correct personal information to be updated on my credit report and delete any other information that does not match with what I sent. I sent in a copy of my driver 's license along with a copy of my bank statement to verify that the information given was correct. I received a letter from TransUnion that was issued on XX/XX/2022 insuating that I wasn't the person requesting my personal information to be updated without telling me how I could get it changed correctly. Nothing was solved in them writing me so Im asking for help in getting this issue resolved.

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 2021-04-17
Company: EQUIFAX, 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 am writing to delete the 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 Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my child.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I RECEIVED THE CORRESPONDENCE FROM DISCOVER LOANS. THERE WERE 2 LETTERS DATED XX/XX/22. I AM REQUESTING COPIES OF THE INITIAL APPLICATION TO DETEREMINE IF THIS SUBMITTED APPLICATION WAS FRAUDULENT SBMITTED. 

PLEASE MAIL TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: OH
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:
On about XXXX XXXX  I filed a dispute of inaccurate information under section 608 -612 of the FCA . On or around completion XX/XX/2022. I received an email from Experian, XXXX and XXXX XXXX stating that information was added and staying on my report without it accurate information according to the FCA section 608 as well as adding deleted information that has also not been required by the FCA I am writing this report because I feel multiple things on my credit report is incorrect and has not been thoroughly investigated.

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 2021-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for bearance during covid and approved for 12 months which was ended on XX/XX/XXXX. I elected for forbearance and loan modification offered by Bank of America and I applied for it ( who was my original lender for 20 plus years ). Initially I was asigned a loan officer for the file for the first two months ( Ms. XXXX ) and everything went well ( loan application was sent, completed and was send for underwriting ).

But without any reason given my loan officer was taken form from the file and my file was handled by pool of representative who were working from home until XXXX. I tediously followed up on every request and fullfill them. Unforfunatelly this folks from home never had full excess to bank of America and always were vague or incoherent in following ... with excuses inludes lost electric, baby sitting etc. Finally, On XX/XX/XXXX a young lady on the phone indicated the file is approved and there sending the document out to me for signature. I waited for two weeks and nothing came. I called back and got another guy called XXXX, shocking he said no documents were send out and the file is still and the underwring but acknowledge that the representaive conversation on XX/XX/XXXX saying file approved and docs out. I ask for the supervisor but he promise to get all of them because of the seriousness and revert back in two hours. Three days passed and no call came. I called back again on XX/XX/XXXX and this time I got account manager on the line but this time something strange happened. Since I filed for bankruptcy on XXXX and closed on XXXX and reopened for some technically error by the judge ( which was acknowledge in writing ). He indicated that he needs athorization from banckruptycy lawyer to talk to me, I have indicated that authorization given and thats the reason everyone was talking and emailing and mailing me stuff. He indicated that was missing now and needed another one .I feels this was done to cover ups their scam and scruplous activities. anyway my lawyers immdiatttely send another aurhorization. To my suprise another account manager XXXX from texas told me today XX/XX/XXXX that he apologies for all errors and shortcomings but I needed start another application which he going to send. I told him I am appalled and shock to hear on that but will accept the application without prejudice. I even paid few months in betwen the forbearnce in good faith. My house is worth XXXX XXXX and I have XXXX plus in mortgage. I am worried and concern bank of American might be engaging in some fraudulent scam practice with their customer. I am also going to file the same with attorney general office.

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 2023-08-08
Company: Experian Information Solutions 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 XXXX  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 XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX : {$3500.00} XXXX XXXX XX/XX/2023 XXXX BANK XX/XX/2023.

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 2023-02-10
Company: EQUIFAX, INC.
State: SC
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a simple question and they will not answer the phone or chat

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Refer to the documents attached to this complaint. These disputes were mailed over 60 days ago with absolutely no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: Experian Information Solutions Inc.
State: OH
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 Reporting act. The list of names below has violated my federally protected cunsumers rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 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 funish a account without my written instructions 15U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-07-17
Company: CORELOGIC INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Good afternoon, I received a notification from XXXX XXXX and XXXX  stating that I had a hard inquiry on my credit report. When I checked, the inquiry was from Credco. I have not requested any lines of credit or anything that requires a hard inquiry to be performed. I've read that this can be a sign of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my second attempt to correct this incorrect information reported on my TransUnion credit report. 

On XX/XX/XXXX, I mailed a certified letter to TransUnion LLC Consumer Dispute Center at XXXX XXXX XXXX, XXXX, PA XXXX. The letter was in regards to an incorrect late payment reported on my TransUnion credit report. 

The disputed account name on my TransUnion credit report is " XXXX XXXX XXXX XXXX The account number is XXXX. 
The disputed payment is dated " XX/XX/XXXX '' I have never been late on any payment. I have provided a copy of my letter to TransUnion. I have also provided a copy of my XXXX credit report showing this payment was made on time. I have also been denied credit offers due to this error being reported on my TransUnion credit report. 

In response to my dispute, TransUnion mailed me a letter stating that the disputed late payment has been validated. I am questioning the quality and results of their investigation of my dispute. How can the late payment be validated when I have made all payments on time for this account? Here is my certified USPS tracking number : 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 2023-02-03
Company: REGIONS FINANCIAL CORPORATION
State: SC
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:
Thank you for trying to help me. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( call or text ) XXXX has refused to refund a ticket charge for a XXXX playoff game that was canceled. I contacted Regions Bank, issuer of my Visa credit card, in XXXX when it became apparent that XXXX was not refunding the charge. It is impossible to communicate with XXXX other than by online chat. I have attached a copy of a chat with a XXXX agent who said I am due a refund. I provided this to Regions Bank Claims Resolution Center. Their most recent letter dated XXXX says Documentation provided by merchant shows you participated in transaction and/or received merchandise. I contacted the team, XXXX XXXX XXXX, and their XXXX  XXXX insisted XXXX is responsible ... ... ..... 

XXXX XXXX Regions Visa XXXX XXXX XXXX XXXX ... ... posting date XX/XX/XXXX ... .. {$76.00} ..... 
Regions Credit Card Claim No. is XXXX ...... 
Regions Claims Resolution Center is ( XXXX ) XXXX ... .... 

" XXXX '' XXXX To : " XXXX '' XXXX Cc : " XXXX '' XXXX Sent : Wednesday, XX/XX/XXXX, XXXXXXXX XXXX EST Subject : XXXX ...... 

Disputed transaction .... 
. 

This {$76.00} transaction was posted on my Regions Visa on XX/XX/XXXX... 
. 
Chat text ..... 

Hi XXXX, We've replied to your XXXX XXXX request regarding order # XXXX. In addition to viewing this update within our online chat, a transcript of our conversation can also be found below. Your XXXX XXXX ticket is XXXX. 
If you have additional questions, please reply directly from the chat. To return to your online orders to chat with us, please go to XXXX XXXX XXXX. You can also reply to this email ; however, your email reply will not be visible in our online chat. 
System ( XXXX XXXX ) XX/XX/XXXX, XXXX XXXX ( XXXX ) XXXX XXXX : XXXX XXXX XXXX My name is XXXX, I apologize that you're having this kind of issue. 

Ive confirmed that your upcoming event has been canceled. No action is required to obtain a refund ; we will issue a refund to the original method of payment used at time of purchase, which is usually completed within 30 days. 

Please see our Purchase Policy at XXXX XXXX XXXX XXXX  for more information. 
If you have any other concerns, please reach out to this thread.

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