BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2022 i've disputed erroneous information on my credit report with TRANSUNION. 
They did not do a proper investigation. 
Account : XXXX XXXX # XXXX In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last actives inaccurate, and date last reported is not accurate.this is ground for removal, they also violate my rights under XXXX XXXX XXXX XXXX XXXX XXXX.States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : it also states a consumer reporting agency can not furnish an account without my written 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 non-monetary relief
Consumer complaint received 2022-05-02
Company: MoneyLion 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: Account information incorrect

Complaint:
I had XXXX separate loans with MoneyLion. These loans were titled XXXX XXXX XXXX. I took these loans out for the purpose of rebuilding my credit after my divorce. I never even used the money. It sat in my MoneyLion savings account for the entire time of the loan to repay the loan.

I made all payments on time and after loan was paid off they continued to charge me for the loan. When I first noticed this on my account I disputed it personally through all XXXX credit bureaus. As well as a credit repair service I was paying for. After getting XXXX results that way, I contacted MoneyLion and was escalated up to a supervisor. He confirmed that all loans were paid off and that MoneyLion actually owed me money instead of the way it was reported on my credit reports. He refunded me my money and assured me they would be removed. XXXX months later it is still on my report. I have a letter from the supervisor I spoke with that day stating the correction. I will attach below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Experian Information Solutions Inc.
State: FL
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:
Contacted Experian and XXXX in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX via certified letters informing them that they are incorrectly reporting a negative account as a status of being scheduled to continue on record until XX/XX/XXXX. I referred them to the Fair Debt Collection Practices 1978 and the Fair Credit Reporting Act 15 USC 1681. I referred them to an on-line article, written by Experian themselves and still found on-line for consumers to read, written on XX/XX/XXXX by XXXX XXXX, where they note that the 7 year period starts from the date the account became late and was never current again. My account, verified by the bank, 3 different times as correct over the past 2 years, was noted to be 30 days late in XX/XX/XXXX, 60 days lateXX/XX/XXXX ; 90 days late XX/XX/XXXX; 120 days lateXX/XX/XXXXand Charged off inXX/XX/XXXX The first 30 day delinquency in the series will start the 7 years reporting and the entire series needs to be deleted after 7 years. Experian and XXXX is in violation of the 2 laws and need to be held accountable, especially since they needed to settle inXX/XX/XXXX with 31 state attorneys on inaccurate credit reporting information on consumer 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 explanation
Consumer complaint received 2022-05-02
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the year of XXXX, I traveled mostly and had a different mailing address from the property address so someone could assist me with my mails. I also had my bank automatically sent the payment to the mortgage company at the beginning of every month. 
Around XX/XX/XXXX, my loan was transferred to Shellpoint, a division of Newrez, but I didn't receive the statement of transfer ( until XXXX ) nor the subsequent monthly statements. Around XXXX, I found out about the transfer. Immediately, I contacted Newrez and found out at transfer point, Newrez had the wrong mailing address on file so I hadn't gotten a statement. Also the previous mortgage company stated that they forwarded the XXXX and XXXX payments but returned the XXXX and XXXX payments. Immediately, I sent in all the payments that were behind to Newrez. 
Around XX/XX/XXXX, my bank and I contacted Newrez and requested for the late fee of {$200.00} to be credited. The reason was I was paying on time, but their mistake of having the wrong mailing address on file was causing all the confusion : me not be aware of the loan transfer nor getting the monthly statements and, therefore, my payments were going to the previous company. I never heard about the result of my request from Newrez after that. 
On XX/XX/XXXX, I contacted Newrez again and spoke to XXXX XXXX who said he would file a complaint to remove the late fee in XXXX and XX/XX/XXXX. Again, I never heard from Newrez again. Around XX/XX/XXXX my loan was transferred to another company. 
On XX/XX/XXXX, I contacted Newrez again to follow up on my request and spoke to XXXX XXXX who said my request was denied because my account was transferred out so there was no account to credit to. I told her in that case Newrez can send me a refund check of the credit, it doesn't need an account to credit to. But XXXX XXXX insisted that XXXX XXXX is pretty higher up and that was the decision. This is the most lame excuse or illogical reasoning. It is similar to when you close your credit card account and there is a credit, and the credit card company said they're not going to send you a refund check because there's no account to credit to. 
In summary, the company entered in the wrong address at transfer point causing the issue, repeatedly ignored my requests, then finally came up with an lame, illogical excuse for not giving me back my money.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My business account had XXXX transactions from fraudulent withdrawals. On XX/XX/21 XXXX XXXX made XXXX deposits into my account for a total ofXXXX then XXXX withdrawal ofXXXX then on XX/XX/21 XXXX XXXX withdrew {$790.00} I filed a complaint with Citizens Bank and this was resolved. Then onXX/XX/XXXX XXXX deposited XXXX deposits totaling XXXX then on XX/XX/21 while I was on the phone with Citizens Banks XXXX department XXXX XXXX him about the XXXX deposits and I stated I dont have any accounts with XXXX and the representative informed me XXXX had just withdrawn {$10000.00} from my account. I told him it was fraudulent and requested he stop it immediately. He instead filed a claim. XXXX Banks XXXX Department doesnt return your calls. And they are fully aware the transaction is fraudulent! They also know the money was transferred to XXXX XXXX. They claim I have to waitXX/XX/XXXX days before any money will be returned if they can recover it, if not their XXXX Department says that maybe my problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-02
Company: Midwest Loan Services, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX ( the borrower ) suffered a XXXX and is under care. As her daughter, I have tried to work with the lender ( Midwest Loan Services ) in regards to obtaining options to avoid the foreclosure so that my mother can keep her home. I was sent a packet by Midwest to complete and send back in which I did. They informed me they never received the package and will be proceeding with the foreclosure. We were never provided with a single point of contact and continue to make excuses so that they can proceed with the foreclosure.

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 2022-01-10
Company: Atlanticus Services Corporation
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In early XX/XX/XXXX, Fortiva misreported my account to credit bureaus! To this day, XX/XX/XXXX, Fortiva has not reported my correct card number to both XXXX and XXXX! I have contacted Fortiva a myriad of times and their response has always been please wait XXXX to XXXX days for an updated report! However, this has been going on for XXXX months!! During the last contact, I spoke to a supervisor and requested that I speak to the department that does the reporting! She told me that they could not be contacted by phone ( nonsense ) but she would send them a note! This was a couple of weeks ago! 

Please help me with this as it has an impact on my credit score! I had trouble with Fortiva years ago when they would not repay me for fraudulent charges! You helped to resolve that issue and I need your help again!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-21
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
After their reinvestigation on my credit files. They stated that the items have been deleted from my credit files. That they have taken all steps that the items will not reappear. I have sent in there letter head with their name on it showing that this is your company LOGO, stating that these items will not reappear, but a year later they come back up. I have faxed documentation to them showing what their results was. Please asked them to take care this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a complaint regarding I.C Systems to verify a debt. It has been pass XXXX days and still no verification.

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 2022-05-02
Company: PNC Bank N.A.
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: Account status incorrect

Complaint:
PNC has not reported my payment status correctly for months. I explained that I had XXXX  and then I submitted a form for automatic payments. They didnt accept the payment method and sent me a ridiculous letter, that I never received. I heard about the letter once I called the bank after my account was not debited. This bank is falsely reporting against my credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Equifax is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Equifax has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-XXXX-XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Although I sent payment to Wells Fargo bank on time, they still charged me a {$15.00} late fee and {$5.00} in interest. I called to correct the issue and they agreed to credit back the {$15.00} and {$5.00} charges and I sent a payment for the full amount less the {$20.00} that was to be credited back. However, they did not credit the {$5.00} interest and as a result my account was marked as carrying a balance and charge {$2.00} in interest the next month. I called a second time and the agent agreed to credit the {$5.00} as originally promised, but would not credit back the {$2.00}. That {$2.00} of interest should not have been changed and I would like it refunded to me.

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 2017-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This complaint and concern is against TransUnion. I have had the worst experience ever dealing with this company. I have disputed several items including credit inquiries with this company. I do n't have any accouts with any of the creditors so how is that possible and I did not give consent to run my credit. I have placed a fraud alert on my file and TransUnion are still allowing creditors to pull my file without my permission. None of the inquiries are associated with an account or any firm offer for credit, insurance, court order, or employment. The dispute results are always " inquiries are factual and to contact the creditor '' I have reached out to the majority of the creditors listed and explained my situation and all have advised me that they will send TransUnion, XXXX, and XXXX the information needed to remove from my file. I have received inquirie removal letters from most of them already and I have proof of documentation stating that they will remove the inquirie. How is TransUnion able to send me documents stating that they will not remove because inquires are factual when I have actual letters from the creditors and within the body of these letters it clearly states that they will send the Credit Agencies the proper documents to remove from my file. TrabsUnion is not investigating any of the information. Please have this information removed from my Credit Report.Again, I have no knowledge of these inquiries these are inquiries I have no account. I did not give anyone permission to run my Credit. Being that I have proper documents to support my complaint I wish to have this honored by removal of inquiries from my file.

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 2017-06-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have filed a dispute with Chase Bank on debit card transactions that took place around end of XXXX 2017 until first week if XXXX 2017 unauthorized Chargers. First Chase Bank should stop having Representatives from orher countries trying to file a dispute for the customer because they 're on professional and unexperience representatives, I have filed a dispute for ATM transactions and cash advance transactions that took please on my account. This is what happened back in XXXX 2017 i was on a vacation trip to XXXX, California on my trip I lost my wallet in my wallet i had my Chase bank debit card. I called Chase Bank to tell them I lost my debit card and there were fraudulent transactions on my account so I filed a dispute and I was not reimbursed on the unauthorize fraudulent transactions that I filed, they give me a temporary credit and then reverse the temporary credit after I reported that I lost my wallet in my wallet that was the Chase debit card and my pin in there also with all my personal information, so Chase Bank send me a new debit card and I did not receive that debit card and then they stated that they go ahead and resend it again so the one that I did not receive I guess someone else received it so instead of Chase bank changing the debit card information they send the same debit card that first time that I did not receive so after that beginning of XXXX 2017 all kind of ATM transactions, cash advance transactions was happening all in XXXX XXXX County areas, so XXXX 2017 I found out that more than {$30000.00} was missing for my account so I filed a dispute with the unexperience chase bank Representatives in different country in the filing is that disputes were filed differently what I was disputing so because of that matter Chase Bank denies my claim and now when I 'm calling to find out the status of my dispute all I 'm getting is an answer that XX/XX/XXXX chase bank closed my account and denied my dispute and they can not open up a new dispute. I 'm filing this report because i want chase Bank to know that they lost more than {$30000.00} of my money and they could n't protect my money and because of the wrong filing with their representatives my claim was denied and my account was closed so I can not reopen this claims so I need somebody experience anybody from United States of America to try to help me resolve this matter more than {$30000.00} the money that I work hard for and that money that belongs to my family not to some stranger that Stole My Money and Chase could not do nothing about it or protect my account but instead closing the account and saying sorry we can not help you thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
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:
While checking my most recent report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This violation of the XXXX XXXX XXXX XXXX Section XXXXb ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and prove me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note you have XXXX  days to complete this investigation, as per the Fair Credit Reporting Act section XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Two years ago, USAA paid property tax from my escrow account for the incorrect property. This year, they were contacted in XXXX that I would be cancelling the homeowners insurance they had for me ( coincidentally they were who we used ) and they said no problem. I established new homeowners insurance in early XXXX and the declaration page and all was sent and communicated to USAA. I cancelled with USAA as I had already started my new homeowners insurance. USAA still renewed the insurance policy despite it being cancelled and alerted know XXXX. 

Their negligence and mismanagement of my money is unacceptable. I feel they need to compensate me for this after this has become a pattern. I am exploring refinancing options with another lender as I have no confidence in them as a lender. It is a shame as a member of 14 years. I am cancelling and trying to cut off ties as they are not a dependable company as can be seen in the lawsuits and litigations going against the company in recent months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account in TransUnion passed on that should be Block. It has been drawn out into the open that TRANSUNION is not hindering record when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that TRANSUNION decide to not obstruct the accompanying things recorded beneath which is answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This account is deleted from other Bureaus. Please remove this account pursuant to section 605b of the FCRA : XXXX XXXX Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief