BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
After a review of my credit report I found that Transunion is still reporting inaccurate information. Their failure to correct my report is going to cause a delay/ denial in a job for a per employment credit check at a bank I have applied with. In addition their failure to correct my report negatively affects my chances for future credit that I will be applying for. Specifically they continue to report outdated, inaccurate, and incomplete information. 

My current address is as listed in this complaint. 

They failed to correct this in my last complaint. 

XXXX XXXX # XXXX The payment history is inconsistent, inaccurate, and Transunion legally failed to verify. 

XXXX has removed the payment history for this account as it could not be verified. 


In addition to failing to correct my address and other violations they have shown a pattern of neglect. Specifically, No response to disputes, Failure to investigate, Willful negligence. 

XXXX XXXX has also had a pattern of not responding and verifying information. The have an F with the XXXX XXXX XXXX for that exact reason. 
Overview of XXXX Ratings XXXX XXXX XXXX XXXX. 
Reasons for Rating F XXXX XXXX XXXX XXXX. 
Failure to respond to 6 complaint ( s ) filed against business 159 complaint ( s ) filed  against business

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 2020-09-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2017-08-11
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
Military service member. Have a flex loan from advance financial, have had for more than a year. Paying a 279.5 % interest rate. Looking for relief under the MLA guideline for military lending which states a maximum of 36 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: WELLS FARGO & COMPANY
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/XXXX, My husband and I did a wire transfer in the amount of {$57000.00} from XXXX XXXX  with a Personal Banker by the name of XXXX XXXX. NMLS ID : XXXX XXXX XXXX Financial Relationship Banker Phone : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Ohio XXXX This was sent to XXXX XXXX  with the Wiring Instructions sent to Wells Fargo to help my aging mother and father in law to pay off a mortgage that they have outstanding. XXXX sent the wire and negligently forgot to add one piece of information which was the XXXX Text Information that apparently Wells Fargo requires to pay off the loan. I have called XXXX since they are claiming that they can not find they {$57000.00}. My last 3 phone calls were on Friday XX/XX/XXXX in which I get them the  XXXX Wire  transfer number so that they can pull the payment and apply it to the loan. I haven't gotten any guidance on the time it will take to find this money and pay off the mortgage and now I am worried as to where the money is. The XXXX customer service team has not been able to help me find these funds or provide a timeline for payoff. I have asked to speak to a manager and they told me that one will call me in 24/48 hours. I am worried that now there is a late fee assigned to this loan and also if I make the mortgage payment for my father in law that this will throw everything off. 
I need help and am not getting anywhere. One customer service rep XXXX NMLS ID when asked she would not provide this for me. What can I do to find this money, avoid any more fees and get some guidance. 
Two Banks that I am having issues with are : XXXX XXXX XXXX  ( who sent the wire transfer ) XXXX ( servicer and recipient of the money to pay off the mortgage ) Receiving Bank : Wells Fargo, XXXX. XXXX XXXX CA

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 2020-09-06
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was contacted by XXXX XXXX XXXX who offered attractive investments and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX XXXX XXXX is not regulated in XXXX, where I reside, nor in the USA where the Merchant and its beneficiary pretended to be registered. I now understand that XXXX XXXX XXXX does not have the ability to provide segregated accounts for investment purposes. 
XXXX XXXX XXXX instructed transfer payments to a Beneficiary called XXXX XXXX XXXX  XXXX XXXX which bank account is at CITIBANK, New York. ( invoice attached ) 2 transfers were executed for a total amount of {$25000.00} to this account : USD {$18000.00} sent XXXX XXXX, XXXX ( receipt attached ) USD {$7100.00} sent XXXX XXXX, XXXX ( receipt attached ) When I found out that it was, a scam, a Lawyer sent a letter to the Beneficiary in XX/XX/XXXX. No reply was received. ( Letter attached ) XX/XX/XXXX, A lawyer sent a letter to CITIBANK. No reply was received. ( Letter attached )

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 2020-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The account BK OF AMER is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2021-05-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern : I have been trying to save my home since XXXX of last year but all I am getting is a run around from SPS. They continue to ask repetitive questions about my income and even deliberately wasted over 3 months until I deposited my daughters contribution income to my bank account. They said it was mandatory otherwise they could not continue with my review. I had filed a previous CFPB complaint and they even advised on there that the process consisted of being showing the income deposited. So they lied to your department about my original complaint. Now they told me all I had to do was fix the non borrower credit auth and submit it with 100 % income contribution. 

They are trying to go back on everything they originally stated. I am beyond scared of losing my home because these people don't care about anyones home! They are just saying whatever they feel is going to comfort me and try to make another excuse. My counselor XXXX XXXX has been following up with them on a weekly basis every since resubmitting my loss mitigation application again for the 5th time. He spoke to XXXX from the management 2 that clearly advised there would be no further documents needed and clarified that we should be hearing a resolution soon. Two days later they ask for more information, information they knew already. They were asking about the deposits on my bank statement that where not from my social security. Those deposits are the ones they advised I needed to make! Today we spoke to XXXX in the management team and all she could say is I'll get back to you, this is the same excuse I have been getting for over a year now! They just don't care and something needs to change!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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 I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft. I had request those accounts to be block under Consumer 605B Blocking. I had sent Letter of CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And Identity theft police report. Now after number of request by me XXXX  and XXXX  are the only 2 bureaus that had not block or remove any of those 3 account that had been open by identity theft. and not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act, I had a furnisher of information to a consumer reporting agency all bureaus and XXXX  and XXXX  are the only one that had violates the FCRA, I will beginning file lawsuit in state or federal court again XXXX  and XXXX  it those 3 account don't get remove or block.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Paypal Holdings, Inc
State: CA
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:
I am writing this complaint in respect to fraudulent activities carried out by PayPal in regards to my account. In XX/XX/XXXX, I cancelled my XXXX  credit card ending number XXXX and I never updated my new XXXX  credit card details ending number XXXX to my Paypal account. To make clear, I NEVER gave my new credit card information to PayPal. Additionally, I NEVER gave authorization for PayPal to use my credit card which I never gave to PayPal. 

However, PayPal fraudulently and unlawfully found my new XXXX card details and linked it to my account and charged an amount of {$4100.00} on XX/XX/XXXX. Thereafter, I again cancelled my new credit card on XX/XX/XXXX and I found on XX/XX/XXXX, PayPal again linked that second new XXXX  card ending number XXXX. In fact, PayPal linked the new XXXX  ( which I have not even activated ) only TWO DAYS after it was issued. Again for the second time, PayPal is trying to use a card which I NEVER gave authorization to use. This is fraud on the part of PayPal and it is illegal and it has engaged in criminal conduct which I am making this complaint referral both Federally and in the State of California due to violations of both State and Federal Law. 

Furthermore, PayPal did not impartially look at XXXX improper billing practices because XXXX is a subsidiary of XXXX. Thus, PayPal is not and did not conduct an impartial fair investigation with XXXX due to the fact that both companies have the same ownership. However, for your information, I will dispute all the invoices from XX/XX/XXXX to XX/XX/XXXX with XXXX in a separate matter. However, this particular letter is dealing with the fraudulent use of my credit card which I did not give authorization for PayPal to use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03
Company: Lac Courte Oreilles Financial Services II
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have replied to text messages for them to stop contacting me. Now they have contacted me prior to XXXX XXXX and are repeatedly still calling and texting and emailing to resolve debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. I think this is from my identity being stolen a few years ago.

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 2020-09-06
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I used XXXX to send someone money, using my Citi Card Cash Rewards Card ( {$370.00}, on XX/XX/2020 ). 

After the fact, Citi Card charged exorbitant fees, including interest, despite being enrolled for automatic payment and always paying complete balance on time. 

I am sure Citi Card included the information about exorbitant fees, including interest, and that using XXXX is considered a cash advance, in the FINE PRINT of the INNUMERABLE PAGES OF THINGS THAT I MUST AGREE TO TO HAVE A CREDIT CARD AND THUS FUNCTION IN MODERN SOCIETY, but I do not have a law degree, nor an MBA, nor hours to research every transaction I perform in modern society. 

THESE FEES ARE EXCESSIVE, HIDDEN, AND TAKING ADVANTAGE OF CONSUMERS. THESE FEES MUST BE MADE EXPLICIT OR RULED INVALID. I am certain the banks love them, AND THUS THE CURRENT LEADERSHIP OF THE CFPB, BEING IN THE HANDS OF INDUSTRY, I'M SURE LOVES THEM AS WELL.

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 2020-07-06
Company: EQUIFAX, INC.
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:
My wife and I were victims of identity theft in 2017. We then froze our credit and placed a fraud alert on our credit. Now my wife and I are applying for a mortgage but after talking to all 3 credit bureaus they have assured us that all freezes and fraud alerts are off but only XXXX did what they said. XXXX cleared my wifes but not mine. Equifax assured us that they took them off both but today we tried to get reports again and were not able too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As of XX/XX/XXXX I have 8 XXXX/XXXX  backed student loans placed in default even though I was currently enrolled in College as of XX/XX/XXXX. The loans should have subsequently gone into a deferment status due to my enrollment status of full time. I have tried to dispute these erroneous closed accounts through the credit bureaus with no success. I have included documentation from XXXX XXXX University showing my enrollment date and status, yet I still have these default loans on my credit report. I have been actively rehabbing the erroneously defaulted loans while I have been disputing this issue with the credit bureaus. I have called XXXX loan servicing customer service multiple times, but no one seems to be able to give a roadmap to rectify this issue even though I have verifiable proof. I currently have other federal student loans in deferment due to my college enrollment, I am not sure why this wasn't done for these 8 accounts as well. Furthermore, 2 of these student loans accounts are reporting late payments after the erroneous default date of XX/XX/XXXX. I have enclosed screenshots of my Equifax Credit report showing a late payment reported for XX/XX/XXXX on one account and XX/XX/XXXX on another. These accounts were updated as XX/XX/XXXX with incorrect information on a closed and transferred account. How is it possible to be late on a defaulted, closed and transferred account? This is clearly a violation of the Fair Credit Reporting Act. I have been subjected to undue hardship based on the impact of these erroneous accounts being placed on my Credit Report incorrectly. This issue needs to be corrected immediately so that my family and I can move forward financially. 

Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The attorney XXXX XXXX did the short sale of the property at XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX. I am not complaining about his service. I am filing a complaint against SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX, XXXX XXXX XXXX,XX/XX/XXXXXXXX. 

This Short Sale was completed XX/XX/2019. Shellpoint Mtg. listed this short sale as a Foreclosure on our Credit Report. They did rectify this error last month. However, in the mean time my husband and I are trying to get a new loan from the VA. 

Since the foreclosure was reported on the credit report the VA XXXX people have asked me to get a letter from Shellpoint stating that they made the error, even though it if off the credit report. 

The thing is that I have been sending emails, calling and sent them a request by mail for over a month with no response from them. 

I don't think that is fair to us all they need to do is to send me a letter stating that the error was their fault. 

Please let me know what if anything else is needed to proceed with this complaint. 

Not very good customer service from Shellpoint!! 


Thank You XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Eastern Asset Services LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
In XXXX I received a threatening phone call from EAS XXXX on XXXX   behalf from XXXX. The threat was to file criminal charges on me and I didn't need that problem. So I somewhat agreed but never signed the electronic document they send me after thinking it through. During this time several loan companies started making deposits into my account without me requesting them. However, I had given them my debit card number and they debited {$400.00} from my account with out the documents being signed. The next payment was scheduled from XX/XX/20, I lost my debit card and had to order a new one. Of course that morning Ms. XXXX called like 5 times, I was sleep. So that evening she called twice from a Private Number and started telling me I need to go to the bank and get a replacement. That was totally out of line on her part after I told her once the card was received I would call her. That wasn't good enough we got into an argument. After she hung up, 5 minutes or so, I received a call that reflected XXXX XXXX Pct 1 phone number. The man identified himself as a XXXX County Sheriff and asked was I home, he needed to come by to discuss a fraud case. I told him I didn't have a fraud case but sure come on by and I will have XXXX County meet him here. I called HC and a deputy came to my home and waiting on this individual but he never showed up. Of course, he hung up. At this point, I would like to not only file a complaint but receive my {$400.00} back.

Company response to consumer: Closed with explanation