BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is related to never having received a response to a request to remove my escrow account from Shellpoint Loan Servicing, and the company 's lack of response to my written request as it required and requested from me.

I have had an account in good standing since the inception of my  initial loan payment on this property since XX/XX/XXXX. The loan has been sold and transferred at least 3 times, and now it is with Shellpoint Mortgage. Shellpoint assumed responsibility on this loan  in XXXX XXXX. The first mortgage payment that I was required to make to Shellpoint was for the XX/XX/XXXX payment. I continue to have issues with Shellpoint on this payment that was timely submitted, and Shellpoint has failed to rectify its error despite repeated promises, letters, calls, and complaints ( see attached of its promise to fix a problem it has yet to fix ). The 2 pieces of inaccurate  information remain on my credit report -- that I had a late payment and that it was current the next month. It should never have been reported, and it should not currently be on my report or any references made to it.

However, this outstanding issue prompting this second complaints relates to the fact that I have not heard from Shellpoint, despite being past the 30 days since I submitted the request and was informed that I would receive a response per the company. Because Shellpoint
has a history of failing to respond to issues submitted to it in writing and on the phone and because I am still waiting for it to rectify its original problem for which it was at fault and acknowledged being at fault, I am filing a complaint concerning my escrow request that it has failed to address. I have tried multiple times to get any issue resolved by Shellpoint to no avail or response from the company. I am good standing and always have been and therefore, I meet every qualification justifying and permitting me to have my escrow account removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: WorldRemit Corp.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I contacted World Remit ( WR ) in XX/XX/2023 about a fraud transaction involving an individual XXXX XXXX from XXXX that pretended that he was in XXXX XXXX and stole my money in tended for an business transaction. World Remit took the complaint and pretended that they were going to conduct an investigation but did not. I called back several times since XXXX but was unable to speak with anyone even after holding for almost 2 hours each time. It is my belief that they blocked my number to make it difficult to get in-touch with them. I also emailed WR based on their recommendation but again, I am unable to get a response after the initial contact. Please help.

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 2023-08-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, 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:
XXXX Equifax Complaint- Dear cfpb, first of all I dont understand why you allow a beast like Equifax to have any say in my life. Im getting credit denial because of Equifax report and they are refusing to send me my credit report they are saying they sent it and they never sent it nor have they sent proof that they sent me the credit report. Im not having this problem at all with the other two beasts or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, I have a Macy 's XXXX XXXX credit card. Please find the sequence of events below : XX/XX/XXXX : Used the credit card to purchase a product online from XXXX and have it shipped internationally. 

XX/XX/XXXX : The product was never delivered. I had opened a dispute. Received a document online from XXXX XXXX detailing that the dispute is being looked into. 

XX/XX/XXXX : Received a refund to my checking account. However, I was again charged the same amount on the credit card, effectively nullifying the refund. 

XX/XX/XXXX : I called XXXX XXXX credit card again and explained the issue, they noted this down on my case. 

XX/XX/XXXX : I had not received any updates. Called XXXX XXXX credit card again. Another case was opened. 

XX/XX/XXXX : The case was marked as resolved by citing " Due to the amount of time that has elapsed since this charge was first billed, we no longer have recourse to obtain credit for this charge. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRUIST FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Yes I have call the bank every since XXXX trying to resolve this issue but no will listening to what I am saying and it because of the large amount of money that was putting to my checking account. I have talked XXXX XXXX and he told that I will not get my money back the bank is waiting for someone else to claim the money. it all started when Mr. XXXX who owed me some money and he put the money into my XXXX account. I found out from Mr. XXXX XXXX who is the XXXX   fraud department manger that money was stolen from someone else I don't know how it was done. But I call SunTrust and asked them to please returned the money back to XXXX the total amount was XXXX and it postal on the bank statement showing that it take out in two payment of {$2000.00} each. But Just because he XXXX asked for that money back SunTrust decide that all the money that was in my account was Fraud which no true. I send SunTrust my balance statement show the transaction. I received a wire into my account from XXXX XXXX XXXX in the amount of XXXX and XX/XX/XXXX plus XXXX income XXXX  wire transfer on XX/XX/XXXX. My husband brought XXXX from XXXX XXXX  we deposit it on XX/XX/XXXX in SunTrust Joint Account. I transfer XXXX to my saving account on the XX/XX/XXXX from the joint account. XXXX was take from the joint account out the XXXX to pay XXXX bill and On the XX/XX/XXXX XXXX XXXX. XXXX send me XXXX and with other money in the account it was a total of XXXX That SunTrust is holding and my Saving account has a total of the XXXX and some money is Church tithes Money and I don't know why they are still holding all my money I give them document prove that money is legal can you please help me. If you know on the bank statement that money that was come into the account was wire into the by individual in side the bank and if you look at the bank you will notice I did a electronic transfer from XXXX to my SunTrust. That is only things that needs to be returned.

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 2019-10-24
Company: I.C. System, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. IC systems has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send screenshot statements. Send my actual signature on a contract. As this debt is Not mine.

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 2023-05-16
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I spoke with a representative from Experian credit bureau. I informed him that the po box they have listed XXXX XXXX XXXX XXXX NJ XXXX is incorrect. I asked him to remove the incorrect address. He informed me that he would not remove it because a creditor ( XXXX XXXX XXXX XXXX ) shows this incorrect address. This is my account and I am informing them it is incorrect. Why would he not remove this and go by a creditor, who has incorrect information. This inaccurate data can affect my credit score.

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 2020-09-11
Company: CITIBANK, N.A.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, {$2800.00} was charged to my Citi credit card by XXXX GA. Although I was a XXXX customer, I was a customer in Illinois and this was not my normal monthly billing amount of approximately {$250.00}. I disputed this charge with Citi and it was removed. 

On XX/XX/XXXX, {$3200.00} was charged to my Citi credit card. Again this was the fraudulent XXXX GA charge, however Citi only temporarily reversed the charge and informed me that this was a " real '' XXXX bill. I believe that being a real XXXX customer gave them that conclusion. Although I have on two separate occasions supplied them with my billing history from XXXX showing this was not my account, they continue to insist that the activity is real. I have called countless times to discuss this with both Citi and XXXX over the following 14 months to follow up with any requests from Citi. I was told several times that " investigators '' were " looking into '' the dispute and that they have concluded it was a real charge. 

On XX/XX/XXXX, I was informed that the name on the XXXX bill provided to Citi to substantiate the charge was " XXXX XXXX '' ( spelling was not provided ) and the address was in Louisiana ( again my real billing/home address is XXXX ). It is worth noting that I have been asking for this information repeatedly and was promised it would be sent. It never was and only supplied to me over the phone this one time. After this revelation, Citi apologized for the issue and stated that the charge would be removed in 7-10 days. I followed up on XX/XX/XXXX and XX/XX/XXXX to inquire as to the status. 

During the XX/XX/XXXX call Citi to report this to the FTC which brought me here.

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 2020-10-20
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an account with Hyundai Motor finance account # XXXX this account was set up on Automatic payments. For some reason the payment for XX/XX/2020 was not processed. 
Since I had moved previously the mail never got to me to inform me of the issue. I was ill with Covid-19 in XX/XX/2020 and since I was under the impression that this was on auto-pay I was not even looking out to see if any issues occurred.

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 2020-09-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. Someone unknown to me is using my name and information and may attempt to access my accounts or open new unauthorized and fraudulent accounts. I filed the report XXXX with the FTC and contacted the creditors and bureaus

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 2022-07-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
ON SEVERAL DATES I HAVE GONE TO ALL BRANCHES RE : NO ACCESS TO MY ACCOUNT BALANCE AT ATMS ( USING DIFFERENT BRANCHES : ITS ATMS USING DIFFERENTDEBIT CARDS!! 

NO BRANCHES WOULD ENTERTAIN KY SUGGESTION CLOSE ACCOUNT AND OPEN A NEW ONE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: LANIER COLLECTIONS AGENCY AND SERVICES 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:
LANIER COLLECTON SERVICES maintain files under my Social Security number. 

Upon reviewing a copy of my credit reports, I see entry listings of {$74.00}, {$150.00}, {$47.00}, XXXX, {$98.00}. This is ridiculous and inaccurate. My insurance carrier stated that they rectified these accounts, and said you can not collect debt twice. I received the bills they sent to me, but no contracts and no validation or signatures. 

They must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all  information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: SYNCHRONY FINANCIAL
State: MA
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 inaccurate because the date of last payment and date of last active is not reported the same with the reporting bureaus. Also the payment histories area different.

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 2023-01-11
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my 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 explanation
Consumer complaint received 2020-11-25
Company: Riverwalk Financial Corporation
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I found out that the company XXXX XXXX XXXX XXXX that financed my vehicle was involved in a Class Action lawsuit with XXXX. I received a postcard staying I was included in the lawsuit and would receive but not limited to loan forgiveness, defienciency waiver, and/or monetary payment. This debt was purchased by a collection company ( Deville Asset Management ) was also sued and shut down for unfair practices in loan collections. I was sued by Deville Asset Management who used law office XXXX, XXXX, XXXX XXXX  XXXX to collect on the debt. I recently furnished the law offices all documentation showing the lawsuits and how I was part of the settlement and also Notified them that Deville Asset Management closed down, which no notification was sent to me yet they continued to collect payments from me. Now they're saying I still owe the debt and another company bought it from Deville. I haven't received any paperwork from this new collection agency and I've disputed this debt due to the judgement of the class action lawsuits.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made 2complaints to BOA trying to get my money back they told me that I need to contact the person I sent the money to, I told them I dont know who it was .they told me to check with XXXX XXXX I asked what does this bank have to do with my complaint I was told that the money went there I then said I have no account with them never have Im really disappointed with BOA Ive been with this bank for 28 years Ive never had a issue before now

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
FCRA Violation: name and address not mine
XXXX XXXX XXXX XXXX XXXX XXXX, LA
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA
XXXX

FCRA Violation: auto loan not mine
XXXX XXXX XXXX XXXX

FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

FCRA Violation: other loan never late
LOUISIANA CHILD SUPPORT

FCRA Violation: hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: collections not mine
TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-08
Company: We Collect Inc
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX. On XX/XX/XXXX I sold my vehicle to XXXX XXXX of XXXX, Oregon XXXX. DOB XX/XX/XXXX. Phone Number : XXXX. His wife is XXXX XXXX and can be reached at XXXX. I sent my transfer of liability form to the DMV on XX/XX/XXXX via mail, I sent a detached signed copy of my title via mail to the DMV, and I filled out a transfer notice on the DMV online web portal. 

The vehicle was reported stolen on XX/XX/XXXX and was found crashed. The owner showed police proof of ownership yet the towing company fined me, then they sent me to collections. I have provided official copies of police reports and certified documentation demonstrating my release of liability to the debt collection agency. I have sent numerous emails and phone calls, and I have not received a call back providing me any information that this debt was removed from my record. I am being held liable for {$800.00}, this is not my debt and I do not owe it. They have provided me little information about actions taken or not taken on my behalf in relation to this debt and have not provided me any clear or concise details as to the process of this debt being removed from my name. I also have no idea if my tax refund or unemployment funds are being held up because of this agency. 

Towing Company Involved Speeds XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone : ( XXXX ) XXXX XXXX Case # XXXX Vehicle XXXX XXXX XXXX XXXX License Plate : XXXX VIN : XXXX Date of Tow : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
DELETE HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, 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 an 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 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