BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-22
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re : Selene Finance Mortgage loan # XXXX I was the primary borrower on a mortgage loan with Selene Finance. The co-borrower on the loan, my mother, passed away before the loan was paid off, she was also a widow. I paid the home off XX/XX/2022. The escrow reimbursement check was issued by Selene Finance XX/XX/2022, and sent to me in both names. 

Because my mother died with no assets, no will and no bills, the XXXX XXXX FL probate office refused to open probate or an estate and appoint an administrator as there was no need. 

My warranty deed to the property for which the mortgage loan was granted, is a survivorship deed granting any owner/co-owner of title the right of survivorship and property in case of the death of any co-owners without circumstance from other family members or persons who would feel they had claim to the deceaseds assets. In light of all this, On XX/XX/2022, I returned the check and included a certified copy of her death certificate and a letter of explanation and request, asking Selene Finance to reissue the escrow check in my name alone as it could not be cashed with her name on the check. The documents were received by Selene Finance on XX/XX/2022. To this date of XX/XX/2022. I have not received a new check. 

I have emailed Selene Finances customer service department multiple times only to get form letters back by postal mail stating they received my communication and by law they had 30 days to respond but with no updates or explanations. Thats all that I have received back to date. I have called customer service multiple times only to stay on hold 30 mins or more and then be disconnected. 

I feel that nearly 5 months is way more than long enough for Selene Finance to have reissued the check with the evidentiary document presented to them and the original check back in their possession. 

At this point, they are in possession of money ( {$1100.00} ) that does not belong to them but belongs to me, and it seems they are refusing to cooperate ( even in response to the possibility of legal counsel involved ) with the request of the reissuance of the check in my name alone. This neglectful or willful inaction and uncooperativeness could be construed as theft. It may not seem like a lot of money to them but it is to me because it is needed to pay my property taxes for the 2022 tax year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: CA
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:
Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification.

I demand proof that you went through all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. 

Part 6 & 7 : Section 611. Procedure 1 ) The person you spoke with at the bankruptcy court 2 ) Provided me a complete copy of all the information that was transmitted to the data furnishers as part of the investigation as is required by FCRA : 3 ) Who did you speak with? 
4 ) What was the date of your inquiry?

5 ) How long was the conversation?

6 ) What was the position of the individual you spoke with?

7 ) What number did you call?

8 ) What is the name of your employee or their I.D . number of the person that spoke with directly?

9 ) What number did your employee call?

10 ) What is the position of your employee that spoke to the at the Bankruptcy court? 

Equifax did not follow the law, the Fair Credit Reporting Act section Under the Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification, I demand proof that you went through as listed above to include all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. It not delete the Bankruptcy from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-22
Company: Credit Karma, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On or around XXXX I saw a lot of pre-approvals on Credit Karma . At first I didn't pay it no attention but Credit Karma kept sending me all sorts of different pre-approvals telling me that I was pre-approved for credit cards, personal loans, and that I can refinance my car. Everyday I would see these offers every time I logged in to check my credit scores. So after a few months of being told that I was pre-approved I thought I was now in the perfect place to apply. I got so many offers through Credit Karma I started telling my whole family about vacations and investments we were going to use these pre-approvals for. So I applied on or around sometime in 2020 and I got denied for two credit cards and a personal loan. I was distraught. I was very very angry and I felt deceived. I was marketed to for months. So Credit Karma told me that I was pre-approved. This was a lie. I was severely stressed out. I was nausea for weeks. I had migraines so bad I became anti-social. My XXXX went from XXXX. Now every time I see pre-approved I immediately close my phone and shut my computer off. This made me so uneasy and anxious that I haven't checked my credit as frequently as I should. I went so far as to delete the app entirely and mark any and all emails from Credit Karma as spam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Good morning Follow up on the letter dated XX/XX/2022. 

Based on the response letter, I have contacted Shellpoint customer serveries at XXXX XXXX XXXX the pay the loan in full this morning. 

XXXX XXXX, the customer service from Shellpoint confirmed that the following : 1. Loan ID : XXXX has been paid in full. 
2. The mailing address has been changed to XXXX XXXX XXXX XXXX XXXX, FL, XXXX, all ongoing correspondence letters should be sent to the new address instead. 
3. A balance of {$120.00} will be issued directly to XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, FL XXXX with 15 days. 
4. XXXX XXXX, will receive the release of the mortgage from Shellpoint within 30 days. 


Please contact me anytime if you have any questions. 

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 2022-07-02
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: Public record information inaccurate

Complaint:
I contacted experian and XXXX about a XXXX XXXXXXXX bankruptcy on my credit file. They told me that the got this information from XXXXXXXX XXXX and that I need to contact them directly if I felt the information was incorrect. After reaching out to XXXXXXXX XXXX they did a investigation and the result of the investigation is they decide to remove this bankruptcy of my report. After receiving the letter from XXXXXXXX XXXX I forwarded it to experian and XXXX and to my surprise they refuse to update my credit file and remove this inaccurate information off my credit file. They put this bankruptcy on my credit file base on XXXX XXXX report but wont take it off base on there report.

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 2022-07-02
Company: Bread Financial Holdings, Inc.
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: Privacy issues

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Victoria Secret account 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 a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted my dispute regarding invasion of my privacy rights in accordance with FCRA 602 which states I have a right to privacy and FCRA Section 604 ( a ) that states a credit reporting agency can not furnish an account without my written instructions. 

I submitted my dispute via CFPB # XXXX on XX/XX/ and your company received it on XX/XX/. results completed XX/XX/ Trans Union submitted via CFPB portal to me. 

This clearly exceeds the 30 day timeframe by 10 days. 

This is a violation of FCRA 611 which requires a consumer reporting agency to conduct a proper investigation in 30 days.

The Second violation committed by Trans Union is when you took more than 15 days to send me the Method of Verification that I requested but your company chose to just verify the same accounts again. Instead of sending me the name ( s ) of the person ( s ) that you spoke to when the alledged investigation was conducted. I also requested according to the FCRA their addresses and, telephone numbers. 

I requested the procedures used to come to the conclusion that these accounts appearing on my credit report without my written instructions should be verified and you sent NOTHING that remotely resembles what is required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ) within 15 days in accord with the law for which this 15 day violation alone I could be paid {$1000.00}. 

I requested a Description of the Procedures used to determine the accuracy and completeness of the information that the law states should be provided to me. 

I want the following accounts removed from my credit report or I may seek legal representation at some point seeking compensation for your violations. 

Trade : XXXXXXXX XXXX XXXX XXXX : Dept of Education 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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$9500.00}

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
Consumer complaint received 2022-12-02
Company: WELLS FARGO & COMPANY
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
My Wellsfargo account was closed when the final {$1400.00} stimulus check for XXXX was sent out XXXX of 2021. I NEVER RECEIVED THE CHECK, I WAS HOMELESS, MY ACCOUNT WAS CLOSED, IT IS ALL DOCUMENTED. Wellsfargo refuses to send the check back to the IRS and alert them that my was account was closed, the IRS is now trying to charge me XXXX XXXX XXXX for the stimulus check that Wellsfargo is holding illegally.

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 2023-11-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I need help. I am an XXXX citizen living in XXXX but I am also a XXXX tax payer. 

I have not been able to get Wells Fargo Bank ( WF ) to close my account and get them to wire my money back to myself. I have been trying with no success for more than 2 years. 

1. WF refused to issue a cashier 's check with my total balance.

2. WF won't allow me to write a check to myself to drain my fund. They issued a wrong check book at the beginning, won't issue a correct replacement and failed to send the promised check book 2 years ago. 

3. I can not do online transfers. WF doesn't want to issue me with an RSE device and WF won't text verifications to my XXXX mobile number. I am not able to register online my own XXXX bank account details. 

4. WF refused to supply any recordings for past telephone calls or chats with their customer service.

5. WF removed my Secure Email access and Reply button XXXX. 

6. WF would not reply whether or not they have received by mail ( sent 3 weeks ago ), my notarized Request for Account Closure. I have also emailed WF the same notarized form to notify them.

7. WF would not respond to emails sent outside XXXX ( # 5 above ). So I can not communicate with them in writing. I found by chance WF has a XXXX account but here they wont reply to me after saying that I need to call them. I cant call them because of WF refusal to supply any recording ( # 4 above ) and the extremely lengthy delays I have experienced.

8. With NO acceptable way of communication with WF I am worried they are cutting me off and that I may not see my money again. It is a rather large sum of money close to USD {$190000.00}. This is my lifetime savings that I have worked very hard for. So you could appreciate that I have been greatly distressed over this matter. 

Would you be able to get WF to close my account and get my money back? If not could you suggest US law firms that specialise in banking cases like mine. 

Awaiting your reply, and thanking you for your service 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 monetary relief
Consumer complaint received 2022-07-02
Company: Experian Information Solutions Inc.
State: NV
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:
I asked XXXX for a verification of everything on my credit report for the account name, XXXX for account number # XXXX on my credit report. They stated everything was accurate. But I did a through research myself and found inaccurate information. Notice that date opened on XXXX says XX/XX/2020 and Experian says XX/XX/2020. 

In accordance with the fair credit reporting act, XXXX  account # 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.

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 2022-07-02
Company: EQUIFAX, INC.
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:
EQUIFAX REPORTED ACCOUNT '' XXXX XXXXXXXX XXXX XXXXXXXX '' WHICH WAS DELETED A YEAR AGO, IT IS NOT AN OPEN ACCOUNT, THATS INCORRECTLY REPORTED. IM NOT RESPONSIBLE FOR DEBT COLLECTION THATS SOLD TO ANOTHER CREDITOR, I NEVER WENT IN DEFAULT WITH " XXXX XXXX '' ( CREDITOR ). I HAVENT BEEN PROVIDED WITH INFO, XXXX REPORTED TO CREDIT BUREAU NOT GOOD ENOUGH FOR INVESTIGATION. SHOW ME IM IN DEBT WITH COMMON FINANCIAL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: WI
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:
File number : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Request to remove inaccurate information Dear, Equifax Information Services LLC Company Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2020 Account Type : REVOLVING Reason for Dispute : Last Payment date/Closed Date Incorrect/Current/Previous Payment Status Incorrect. This account has the wrong information, I would like this account removed from my credit file. 
The balances are way too high, I never spent that much on that account. 
This is a prepaid card, this is not a credit card, I would like this removed from my credit file of Equifax. I do not spend off of this account, this needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I would like to file a complaint about Pentagon Federal Credit Union. I have a credit card with multiple promotional balances on it. Two of these balances are due by XX/XX/XXXX. The third is not due until XX/XX/XXXX. When I make a payment, they apply the payment in parts to all promotional balances, rather than the promotional balance that will expire first. I could find no information anywhere, either on their site or in the documents that came with the card, that explain how these payments are applied. When we called the bank on XX/XX/XXXX to inquire about making sure payments were applied to the correct promotional balance first, they told us that there is no way to apply our payments to the specific balance we want. We must wait for the promotion to expire, and then pay it ALL off the day after in one lump sum. This is an extremely unfair and predatory business practice. I should have the option to pay these balances off by the due date. It feels as though they are attempting to trick their patrons into having to pay interest no matter what and they do not make possible to pay off specific interest before the promotional rate expires.

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 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my follow rights : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-22
Company: Atlanticus Services Corporation
State: MO
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:
In XXXX of last year an account was opened in my name for a credit card with a limit of over 2000 USD and was maxed out instantly using incorrect personal information. When i contacted the credit company they had incorrect phone number and address on file for this fraudulent account proving it was made by someone else. This was 100 % fraud. Late payments started showing up on my credit report damaging my score. The account was closed and then reopened when i attempted to rectify the issue with the credit company. I have tried several times to receive help from the company but they have done everything to ignore my issue and continue to claim the account is mine while sending late payment notices every month. I hired a credit repair company to investigate the matter but were only able to remove one item from my credit report. They were able to prove the account is fraud but for some reason they couldn't get the major credit companies to go further into removing more than the one item from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief