BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 Section 602 A States I have the right 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 items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681c-2 ( A ) ( 1 ) A person shall not furnish any relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that 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 2020-05-27
Company: Shellpoint Partners, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
They gave me everything and there no error. They send me the same information and cant disclosure the informations Im requesting. I send many request. XXXX XXXX the servicing company. Sent a letter that disclosure extra XXXX in escrow. Ive requested additional amounts to be explained and added to my account and the interest to be removed. Ive asked why My insurance was not paid in XXXX. I was paying extra a month. I filed a insurance claim that year. I cant get answer on why insurance was not paid and my loan was transferred and that year XX/XX/XXXX I was in default. XXXX bank did not apply my payment correctly. They also did not pay the insurance that year. XXXX bank cause me to be put in foclosure and that year my insurance lapse. Ive tried to get this information disclose. The insurance company blames XXXX bank. I contacted XXXX and the state that I have complain with sml or another Agency. New lender can not answer why so much money in a suspends account. XXXX one year and XXXX in XXXX twice. I was paying double that year. Ive requested answered and things or informations to be disclosure and my requests and been ignored by both lender and servincing company and the insurance company. XXXX. Ive asked who choose the insurance coverage and why the riders and additional endorsement were removed were I filed a claim in XXXX ive complained on the insurance company they blame chase bank. I paid additional forclusure fees because this. This caused me a lot of stress and became even more ill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Westlake Services, LLC
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible.
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.

Thank you for your prompt attention to this matter.

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 2023-04-18
Company: ALLY FINANCIAL INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.

Thank you for your prompt attention to this matter.

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 2022-11-28
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I am unable to retrieve the funds on my account without incurring a fee. I XXXX XXXX and received this card from XXXX. In the agreements, it says {$0.00} teller withdrawal fee but when i called to ask what my daily limit was, i was told my card wouldn't work at a teller. This was the only option to take out the funds from this account. Something doesn't seem right.

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 2022-01-31
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/21, {$10000.00} was taken out my account without authorization. pnc is the company .discriminated against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: MoneyLion Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
on XX/XX/XXXX i plced an order for 8 egg rolls from XXXX XXXX  the rotal was XXXX dollars they charged me XXXX i contacted the merchant and then charged me XXXX additional dollars for what rhey claim was an error fro XX/XX/2022 for an XXXX XXXX  i no nothing about nor was i even made aware of i want these charges refunded back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Good day, I sent the payment of {$700.00} through online bill pay from XXXXXXXX XXXX and the payment was sent on XX/XX/XXXX to American Express. However ; the problem was the card number in online bill pay setting was the account number XXXX that was closed ( formerly owned by XXXX american express, which transferred to XXXX in XXXX ). I didn't mean to pay to that account but since i set up online bill pay years ago, in my mind, i thought i was paying to my current american express account which is XXXX American Express said call XXXX, and XXXX said call american express. XXXX said since 2 years ago, they can no longer check former american express XXXX accounts. American Express said they can no longer check any XXXX account formerly by American express. In early XXXX, I went to the XXXX bank, i spoke with many different representatives from both American Express and XXXX XXXX XXXX including supervisors, and opened disputes. All disputes were closed without any resolution. Both financial institutions pointing at each other to contact. Then I spoke with American express dispute department the person name XXXX XXXX, he said he saw the payment came through XX/XX/XXXX at XXXXXXXX XXXX but since the account credited was closed, he can not touch it. He opened the dispute for me. He was very helpful ; however, i got the letter dated XX/XX/XXXX stated it will return to originator. So, i asked a representative and XXXX name XXXX if this will return to me. They both said yes, it will return to my bank. On XX/XX/XXXX, I sent a copy of the letter from american express stating the payment of {$700.00} will be returned to originator and if they received any return payment. They responded stating no. So, i called american express again and one representative was very impatient with me stating i have to have my financial institution ( XXXXXXXX XXXX ) send in writing to return the payment. Another representative said i have to contact XXXX XXXX I am being circled around and meawhile {$700.00} is lost and XXXXXXXX XXXX can not retract it, can not recall payment, American Express can not and stating call XXXX and XXXX said call American Express. I would like to get assistance to get my money back please. The case is not complicated but confusing. Please let me know if you have any questions, i may be able to explain better. I have been frustrated mentally. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-31
Company: Bread Financial Holdings, Inc.
State: SC
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:
My account due date is on the XXXX of each month. On XX/XX/22 I logged into the app to process my payment at XXXX EST. It showed my payment would not process on time since it was after a XXXX EST cutoff. I had no knowledge of this and thinking it was an error, I tried again but ultimately ended up calling customer service. I was told the app was accurate and the cutoff time of XXXX is shown on page 3 of my electronic billing statement. I disconnected without paying to investigate and found no statement in my email account. So, I called into customer service again. The next representative told me my statement showed as sent electronically. I disputed this and explained I keep all my records and nothing was there. I also usually get a payment reminder via email each month and found nothing was sent this time. The representative said they do not send reminders but I have records proving otherwise. I was told there was nothing that could be done about the fees. The representative told me as a courtesy that beginning in XXXX they were changing cutoff times by 1 hour. So now payments must be made by XXXX EST. I have received no notice of this change as a cardholder and according to the company website their cutoff time is XXXX EST. With this in mind, my payment would have been on time and would negated any late fee IF I hadn't gone through 2 representatives before ultimately paying on the app. According to my research, code 1026 states the cutoff times must be clearly identified on the billing statement. This is not the case and no notice was given to educate consumers on a new cutoff time. It is only found in small print on the last page of the statement. 
Furthermore the website provides misleading information of cutoff times. I've never been late on this account until now which resulted in a {$30.00} late fee. I was given a one time credit of {$15.00} through the automated system on XX/XX/22 which will be credited within the next 1-2 billing cycles. I feel the creditor is acting in an unethical manner and would like this to be looked into further please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Genesis FS Card Services, Inc.
State: AZ
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 customer service

Complaint:
I normally pay my Milestone Credit Card bill online and or over the phone since I received the card. I have not had any issues with billing or payment until recently, from XXXX to XXXX I paid over the phone until today the XXXX, XX/XX/2022 I logged in and saw returned check fees. I do not have auto pay set up and never do with any of my cards, so I go into the manage autopay feature and it is not on or showed that there ever was one set up. So I called customer service to talk to them about this and all I got was argumentative statements stating I did this. But the thing is that I was still making my payments and did not notice this because they were hitting an account I don't use and don't have access to anymore. I used that account initially to open the credit account but that is it. Now they are fighting me on the charges and will not help when this is not my doing at all. I asked for proof and they said they can not send proof to me. I don't know how or why this happened but I am not responsible for that and the treatment I got was the worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: AMERICAN EXPRESS COMPANY
State: CA
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 customer service

Complaint:
AMEX failed to protect me with my dispute as a consumer who did not receive their goods they have ordered! 

I ordered a tablet in XXXX from XXXX, and after a long wait, they shipped it out in XXXX via XXXX. However, XXXX lost/ stole the item fraudulently stating it has been delivered on XX/XX/22 on the evening of XX/XX/22. There was no signature obtained, even though there was signature required! I asked XXXX for help, but they refused to give me a refund, even though they admitted on XX/XX/22 that it was probably lost. Finally, a Tier XXXX customer service representative promised me a refund, but then they GHOSTED me! 

Therefore, I filed a chargeback via AMEX. However, AMEX denied my claim because XXXX sent in a form with screenshots of the XX/XX/XXXXpage that said the item was delivered. Also, they said they credited me {XX/XX/XXXX.... But what about the other {XX/XX/XXXX?! XX/XX/XXXX is NOT the entire cost of the tablet. 

And what about my multiple screenshots with proof that the dates are really sketchy and faulty... And what about my police report? And proof that customer service said they would refund me? And then ghosted me? 

Do any of these mean nothing to you, AMEX? Do you even read my claims and evidence? I am so disappointed. As an AMEX card holder, I expected better customer service and protection, and more thorough investigations. If this does not get resolved by AMEX, I will have to cancel my card and be a loyal cardholder with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-27
Company: Click n' Close, Inc.
State: HI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am having trouble with Mid America Mortgage converting my construction loan to a permanent 30 year mortgage as agreed upon. My construction loan with Mid America Mortgage closed on XX/XX/XXXX, with a locked rate of 3.5 % to convert it into a 30 year mortgage. 

I was initially told by Mid America Mortgage and loan officer that a bond was not needed for the construction of my home. My builder and I expected a draw to commence shortly and construction to start.

After ten days had passed it was determined ( XX/XX/XXXX ) by Mid America Mortgage that a bond was overlooked on this project, so the builder and I had to initiate that process which would take approximately six more weeks and push back the start date, and ultimately the end date of construction. The bond was signed by Mid America Mortgage on XX/XX/XXXX and the first draw was finally released on XX/XX/XXXX with construction beginning immediately. 

Construction was complete in less than 360 days from date 1st draw received. 
XX/XX/XXXX XXXX XXXX of Hawaii XXXX inspection FINAL complete & approved. 

XX/XX/XXXX = inspector from XXXX XXXX XXXX XXXX Mortgage inspects home XX/XX/XXXX - Final draw received by XXXX from XXXX on behalf of Mid America Mortgage I have not heard anything from Mid America Mortgage since XX/XX/XXXX when I received an email mentioning loan conversion to commence XX/XX/XXXX. I replied to that XX/XX/XXXX email asking what the terms of the loan would be but I haven't heard back after many repeated emails. The only correspondence I've gotten is from the initial loan officer via text message saying that Mid America Mortgage said it was going to CURRENT MARKET RATES on my 30 year mortgage because of delays on the project. This is completely ridiculous because the delays were caused by Mid America Mortgage 's poor communication and oversight in requesting a bond with the initial construction loan. I am asking for assistance requesting Mid America Mortgage to honor the locked rate I was given. From the beginning communication with them has been horrible and I have been given the run-around many times. What has made matters worse is that several of the original individuals involved on this transaction are no longer with Mid America Mortgage. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Reflecting lates on credit report. 

In compliance with the fair credit reporting act this creditor has violated my rights. under 15 USC 1681 section 602, states I have a right to privacy 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditorI may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I saw one hard inquiry rencently from Cap One from XX/XX/2018. I didn't apply any capital one credit card at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
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: Account status incorrect

Complaint:
The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report so I feel like I am being take advantaged of.

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 2022-10-03
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:
Recently, I did an investigation on my credit report which caused severe XXXX in me, and I found unverifiable, invalid, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correctly to my credit report. Experian is reporting an inaccurate late account date XX/XX/2021 In accordance with the fair credit reporting act, everything has to be % 100 accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-11-28
Company: Westlake Services, LLC
State: NJ
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 request you provide me with proof of this alleged payment being late. if unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ) Please provide detailed description of all procedures used in your process to determine complete accuracy of information once you have finished your investigation, send me an update credit report to the address above

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