BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-10
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Our original home loan was through XXXX  and then it was sold to newrz LLC. We were told by both companies that this would be a seamless process and that they are just picking up were XXXX  left off. That is far from the truth. We have been with him for one month they have paid my homeowners insurance late causing a cancellation and then this morning I'm receiving another cancellation notice from the insurance company because changes need to be made. I In the original garbage that we received that all documentation insurance policies and everything will automatically be transferred and updated. I'm finding this out not to be true. I even called and had everything updated with my homeowners insurance. Had to call them a second time to ensure that it was updated. The lack of communication and transparency is very concerning. 

I am not receiving any documentation letters and or instructions from the new company on why changes need to be made or even being informed of them. I'm seeing hundreds of complaints in regards to this company and their actions. I'm wanting to reach out to find ways to protect myself from them doing any more damage to my home to my finances or even my XXXX XXXX How should I proceed and how can I get someone to actually talk to at this company that actually knows what they're doing? I should not be in fear of losing my home or getting charged late fees for the ineptitudes of a company that has done this to so many people. I'm sure you can see from your reviews and people who have submitted as well as the XXXX XXXX XXXX That this is an ongoing trend I am very scared and nervous for what is the yet to come in the new year. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Previously, I made an investigation regarding some items with inaccurate information and after checking your response I recognized that some items are still incorrect, with a confirmed status. Please correct the following items listed below : XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Date of inquiry : XX/XX/2022, XXXX XXXX Date of inquiry : XX/XX/2022, XXXX  XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX  Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX XXXX XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX XXXX  Date of XXXX XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16
Company: Ray Klein, 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:
Professional credit services was suppose to delete their account on my credit file with XXXX and XXXX from my recent complaint back in XX/XX/2023 but they only deleted it from XXXX and not yet from XXXX since XX/XX/2023 and it is still reporting on XXXX please delete the account that you promised to from complaint id with the cfpb : XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Complaint Regarding Unreasonable Conduct by Wells Fargo Bank Dear CFPB, I am writing to file a complaint against Wells Fargo Bank for their rude and unjust cancellation of my payment options for my XXXX XXXX XXXX account, citing malicious competition. 

Previously, Wells Fargo terminated the linking of my account with XXXX XXXX, claiming insufficient funds due to a single " failed '' payment. However, I have provided evidence demonstrating that I had ample funds to cover that transaction. 

Subsequently, the payment option for XXXX XXXX disappeared from my account. Despite numerous attempts to reestablish the payment link through contacting the bank, I have been unsuccessful. Today, during another attempt to resolve the issue, I was once again met with unprofessional and inadequate service, leaving the matter unresolved. 

It appears that this action by Wells Fargo may be either a malicious retaliation against my previous complaint or an attempt to undermine the operations of other banks through unfair competition. 

I kindly request the appropriate authorities to investigate and oversee this matter. 

Thank you.

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 2023-12-10
Company: Credit Karma, LLC
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was notified by XXXX XXXX XX/XX/2023 that my SAVE account ( XXXX XXXX  XXXX XXXX ) was placed on hold. The link they provided to gain more information did not work, it sent me to a page to start a Credit Karma XXXX account instead. I chatted with a service agent on their site who escalated the problem. I received an email saying they were unable to provide any more information at this time. My money was unable to be accessed for transfer on the site during this time. A week later I emailed them again as it was still on hold. They again said there was no information available about the hold. 
" Unfortunately, no other details can be given at this time. We appreciate your patience and cooperation while your account is under review and we apologize for any inconvenience. You will be contacted once your case has been resolved. '' I received no further communications from them about my account status. A month later, I was able to transfer my money out. I chatted with an agent again and they said the hold was still " under review '' and they could not provide any more information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I was signing up for Experian XXXX to hopefully raise my credit score. They kept asking for names of other financial institutions where I have accounts. I gave them access to XXXX XXXX XXXX, and they omitted XXXX accounts that have {$60000.00} dollars in them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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: Credit inquiries on your report that you don't recognize

Complaint:
I have fraudulent inquiries on my credit report that I don't recognize, these inquiries need to be removed asap due to fraud. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these inquires are fraudulent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Experian is attempting to charge me {$25.00} for a credit monitoring service - " XXXX  '', that I do not recall signing up for. I believe this is a case of a predatory subscription service.

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 2023-12-09
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
( Charges are invalid. Cleaning charge for carpet was added after completion of the lease. Pictures documents are available upon request. Inspection form contains documentation of stains at the time of move-in. ) After I moved out of my apartment which i was only there for 6 months ( student housing ). My roommate and I received a charge for XXXX dollars each regarding the move out inspection ( Which they set up to do after we turn in our keys and left the premises as per there company policy ). 
Me and my roommate address the original issue years ago, with-in days of us moving out. We supplied them with the original move inspection ( via email ) that showed that the carpet was already dirty and damaged. Then which they stated someone would look into the issue. So a couple day after not receiving an update we both went to the leasing office and the property manager stated that they made a mistake and they were going to take care of the issues. So me and my roommate both left it alone out of good faith of the managers word. Then recently this XXXX out of nowhere the debt collection agency ( XXXX ) communicated to me that i was sent to collections. At first thought it was a scam because I received no type of notification from the property and for this to happen years after without warning doesnt make sense. Then to find out Only me and my guarantor ( XXXX XXXX ) were sent to collect and not my roommate. So I reached out to both parties and was sent in a wild goose chase for the last month with no response or luck. 


Interest is also being added monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
I have a new inspection fee of XXXX dollars. I have been trying to get this company paid as soon as possible They are coming up with new fees. Why they are inspecting or adding additional fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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: Credit inquiries on your report that you don't recognize

Complaint:
There were over 50 Credit Inquiries on my credit report. I wrote to the 3 Credit Bureaus twice to dispute the information and they have refused to comply with my demand to show proof. I also sent letters to all of the companies with dates to send proof and I have not heard anything from the companies in regards to removal.

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: 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX 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 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 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 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 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 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 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 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 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 2020-05-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is very harassing. They call repeatedly. Very childish and unprofessional. They call early morning or late night, and will hang up on you and call right back like they are a child playing a prank. 

I have asked to be not called repeatedly. Today they FORCED me to give other personal information just to get my phone number removed from their call list. 

Very unprofessional and not at all American. 

When I say get your robo- calls to stop calling me I mean it. 

Portfolio Recovery ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are just some of the numbers used to call me this month. They call multiple times, will hang up, then call my other number that forwards to the same phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting 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 want the company to remove the fraudulent inquiries in my credit 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 2023-11-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open a CD with BMO XXXX XXXX XXXXXXXX. They declined my application because of information received from XXXX. I asked the bank what the information was and they refused to identify it. They said the information came from XXXX. When I contacted XXXX, they gave me a copy of the disclosure report, which is clean of any credit blemishes, there was really nothing in there. They said the bank makes the final call on whether to reject the account. The bank will not tell me the issue. XXXX says there is no issue. I can not get a straight answer from anyone at the bank as to the issue with opening an account. 

The manager has been rude and refuses to explain the bank 's reason. His name was XXXX. He refused to give me his name. He refused to put me in contact with his supervisor. He was a manager. I had elevated the call from the people that answer the phone.

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 2023-09-28
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A cease-and-desist on all phone calls was issued and the company has yet to abide by that request I get phone calls four times a day with one last night being at five minutes to XXXX XXXX. I do not know what this alleged debt is as I have never signed a contract with Midland credit. I do not have an account that I opened with Midland credit because I do not have a signed contract with Midland credit nor an account with Midland, credit the calls, harassment, and negative affect my credit report. Need to stop and be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting 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 paid a third party collection company And now the original debt holder XXXX is refusing to remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
State: GA
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:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX, US DEPT ED, DEPTEDXXXX, XXXX XXXX XXXX, XXXX, Inquiries : XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX.

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