BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-18
Company: WELLS FARGO & COMPANY
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:
On the morning of Friday, XX/XX/XXXX, I recieved phone calls from scammers claiming they were my bank Wells Fargo and they eventually got access to my account and made two fraudulent transactions, one for {$350.00} and another for {$600.00}, as well as " internatioanl purchase transaction fees '' of {$18.00} and {$10.00} respectively. Once I realized what happened, I immediately called Wells Fargo to let them know what had just happened. They seemed indifferent to my situation and addressed me with minimal help. I filed a formal fraud claim with them, which was quickly denied. I then started another fraud claim, which too, was denied. Upon asking the customer service rep on the phone why they were both denied, he told me that the bank " didn't believe it was fraud '' based on their investigation. I am now left without my money, and no avenues to get my money back from whoever stole it that day. I am unable to contact the merchant on the transactions because it is overseas, and have minimal information about themselves.

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 2023-03-18
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
They used profanity and offensive language and demanded that I pay the amount owed in full and not in payments. Bullying tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  is saying that on  XXXX   XXXX ,   XXXX   I transfered my account to another carrier. I have not. I have been a  XXXX  customer for many years. I have asked for signed documentation stating that I transferred to another carrier. To date, I have not received a response from  XXXX  or ERC regarding this issue that has been placed on my credit report. My account is now in collections with ERC  XXXX   XXXX   XXXX   XXXX , FL for {$100.00}. I have sent all paid statements in which my bill was paid to  XXXX  each month for the year of   XXXX   showing full payment due each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My current mortgage does not appear on my report for  XXXX  agencies and shows an incorrect balance on the other. I have been trying to get this fixed FOREVER being met with extreme requests ( copies of my ID and full credit report ). I just need this account to SHOW UP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I apply for a refinace with navy federal. I paid {$500.00} for the appraisal. when the result of the appraisal came back. The appraisal had old pictures of my house and no one ever came to my house to do the appraisal. it look like they just used the old pictures from when i bought the house in  XXXX  the house was approached for  XXXX  but a house seemlier to my house in the  XXXX   XXXX  sold for  XXXX  i tried call to explain to  navy  that the  XXXX  used and old picture and no one never came to my house. but i did n't get anywhere. pls i need your help with this {$500.00} is a lot of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
my credit score has dropped over 100 points in the last 2 months. I couldn't find any missed payments on my credit reports so I looked into the experian account that was showing the worst drop. 

I found that I was showing balances on my experian boost accounts. 

I called to report that I had balances showing on my experian boost accounts. I told them that all of the accounts showed as paid never late but they were still counting against me. When I asked how to fix it they said the only way was to contact my bank. 

If your system says I am paid/never late why do I need to contact anyone? How can you show a balance from 6 months ago and at the same time say haven't missed a payment? 
No one could explain this to me so I asked what to do to fix it and was told to remove the accounts. 

So, following the advice from the representative I removed the accounts and my score DROPPED EVEN MORE!! I have been hung up on and been put on eternal hold throughout this process. The is no way to make a complaint to experian so I came here. 

My credit has been ruined because of experian boost,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Real Time Group, Inc.
State: UT
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX  ( " XXXX '' ), the prior servicer had a XXXX balance on this account before the account was transferred to Real Time Resolutions , Inc. ( " RTR '' ), a debt collector. XXXX  reported the full principal balance paid in XXXX. See attached XXXX Form 1098. However, RTR continues to claim the full principal balance is still owed on this account. See attached RTR Statement ( XX/XX/XXXX ). 
On XX/XX/XXXX, I contacted RTR with the XXXX Form 1098 from XXXX, showing XXXX  reported the full principal amount was paid in XXXX to XXXX. RTR never corrected the account balance or responded showing the account balance was correct, as required under RESA ( by XX/XX/XXXX ). 
On XX/XX/XXXX, I contacted RTR with proof from XXXX  that XXXX  had contacted RTR ( in XX/XX/XXXX ) asking RTR to fix RTR 's incorrect balance. RTR never corrected the account balance or responded showing the account balance was correct, as required under RESPA ( by XX/XX/XXXX ). 
On XX/XX/XXXX, I contacted RTR with proof SLS had contacted them again ( XX/XX/XXXX ) asking RTR to fix RTR 's incorrect account balance. RTR never corrected the account balance or responded showing the account balance was correct, as required under RESPA ( by XX/XX/XXXX ). 
On XX/XX/XXXX, I contacted RTR Chief Compliance Officer XXXX XXXX asking his assistance in having RTR comply with RESPA. Again, RTR never corrected the account balance or responded showing the account balance was correct, as required under RESPA ( by XX/XX/XXXX ). 
Except for sending the required acknowledgments of my Notices of Servicing Errors, RTR has refused to correct the incorrect account balance or respond showing the account balance is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: LEXISNEXIS
State: MI
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: Their investigation did not fix an error on your report

Complaint:
Lexis Nexis has violated my consumer rights! They are reporting a XXXX XXXX  Bankruptcy stating my spouse filed it. I have never been married and they have shared this inaccurate information with the credit bureaus XXXX and XXXX. They are not reporting factual and accurate information. I have disputed this information with them several times and they are stating PACER is reporting it accurate. I contacted PACER and they do not have a file that says spouse filed anything. I have asked them to remove this information and they have not. They are in violation of XXXX reporting requisites per the XXXX as well as the FRCA, and thus damaging my credit. This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and maximum " possible '' completeness 's, which extends to the reporting mandates that there be no deviation from XXXX Format Compliance since, per the XXXX, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data ''. Unfortunately they do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they included in my consumer reports that they have prepared for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: OH
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:
Account is Closed but still reporting a monthly payment on my credit 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 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Account is Closed but still reporting a monthly payment on my credit 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 2018-10-24
Company: Professional Recovery Management
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was in a car accident XX/XX/XXXX and was treated at XXXX XXXX XXXX hospital in XXXX, TN. One of the providers was XXXX XXXX XXXX XXXX, who billed the incorrect insurance for their services. I received a billing statement dated XX/XX/XXXX stating that I owed {$43.00} and I immediately noticed that the insurance company showing as primary was incorrect. 

I contacted XXXX XXXX XX/XX/XXXX and spoke with XXXX who stated she would rebill the correct primary insurance and remove the incorrect one. I checked back with her on XX/XX/XXXX as I had now received a {$43.00} bill from XXXX XXXX XXXX. She told me she would remove me from collections and resubmit again for payment with XXXX XXXX. I updated my address with her and XXXX told me to check back in 30 days. 

I called back on XX/XX/XXXX and spoke with XXXX who stated that the claim had been denied. I proceeded to call XXXX XXXX that same morning and spoke with an agent named XXXX who told me that there was no claim ever filed on XX/XX/XXXX for {$210.00}, which was the amount that XXXX stated. I, once again, called back XXXX XXXX and spoke with a supervisor ( XXXX ) and asked her to remove me from collections, provide proof and I would pay the {$43.00} upon proof. She told me the process would take about 3 weeks. 

Today, XX/XX/XXXX, I called and asked for XXXX, who was not available, and spoke with another supervisor ( XXXX ), who was extremely rude. She stated that the collection agency would NOT recall the collection and that the claim had been denied. She gave me a claim # XXXX and told me to contact XXXX XXXX again. 

I spoke with a wonderful rep at XXXX XXXX, XXXX, who helped me through the many calls that followed this morning. She stated that the claim number given to me by the supervisor at XXXX XXXX was not one of XXXX XXXX claim numbers. We conferenced in XXXX and XXXX advised her that the claim # was not valid. She referred us to the person who denied the claim from the local XXXX XXXX office ( XXXX XXXX - XXXX ). We called that number and it was a wrong #. 

XXXX from XXXX XXXX then got in touch with someone from the local TN XXXX XXXX office that gave her a phone number for the " Plan to Plan '' office, however, I could not be a part of the call, so I had to be on hold. 

XXXX was advised that all the claims that XXXX XXXX sent were to the incorrect insurance carrier ( XXXX ) which I repeatedly told them was incorrect. 

XXXX will be calling me back on or around XX/XX/XXXX to advise me if the claim has been sent to her office for processing. 

I want XXXX XXXX held responsible for the numerous times that they dropped the ball here, resulting in the account sent to collections.

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 non-monetary relief
Consumer complaint received 2023-10-16
Company: ALLY FINANCIAL INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I signed the original contract on XX/XX/2023 for my vehicle and in XXXX the Finance Manager called me and said that I was overcharged for the loan and that they were sending a driver to bring me the new contract to sign. The driver came and I signed the new contract. I texted the Finance Manager to get a copy of the contract and I have never received it. Even after the contract was signed, my credit continued to be hit which affected my credit score. I made my first payment which was due on XX/XX/2023 on-time. On XX/XX/2023, I lost my job. On XX/XX/2023, I contacted Ally Bank to see about changing my due date from the XXXX of the month to the XXXX of the month and the representative advised me that I was able to change the due date. At the time, the balance reflected $ XXXX being owed. On XX/XX/2023, I received an alert from XXXX XXXX that {$240.00} was added to my loan. On XX/XX/2023, I called Ally Bank and spoke to a representative and a Lead. They both said that no changes were added to my account, but now the loan is showing $ XXXX. I then contacted XXXX XXXX Finance Manager and they are denying adding the additional amount to my credit report. I even sent a screenshot with the notification and both entities are denying that they did this.

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 2023-03-01
Company: SYNCHRONY FINANCIAL
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:
As of XX/XX/2022, medical and health related debts are no longer allowed to be included on consumer credit reports. I have an unverified outstanding debt with SyncCare/CareCredit on my report as a charge off of more than {$2500.00}, which is having a severe impact on my credit. I have requested both a demand for verification and a deletion of this information from my report, but have yet to hear anything back. I would like to see all medical related debt stricken from all three of my consumer credit 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 2023-10-16
Company: CarMax, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
As a consumer, I did not conduct any of those transactions I did not authorize any of those I demand immediately that those accounts be removed or each account that is reflecting on to my report, I will restart requesting {$1000.00} for each inaccuracy that has been reported onto my consumer report. According to 15 U.S. Code 1681n - Civil liability for willful noncompliance, it states, Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: PA
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:
An account ending in XXXX on my credit report has aged out on my credit report by their own website it is 7 years old 5 months old and 14 days last I saw I have disputed several times, as well as spoke with 3 separate agents. It has already been removed by XXXX and XXXX. I feel Equifax is saying it will come off in XXXX of XXXX  but by then it will be 7 years 10 months. I am reaching out to you for help in having this account removed. 

A second account is incorrectly noted on my credit report that account ends with XXXX it states the edge of the account is 4 months and 13 days old, it should be 13 yrs and 4 months Seems credit reports are NOT getting updated correctly. I do not want to remove this account as was paid and in good standings and I do not want this account removed just updated correctly. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions 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: Report provided to employer without your written authorization

Complaint:
According to Fair Credit Reporting Act, A consumer must provide WRITTEN CONSENT to any Credit Bureau for them to add any items to your credit report. I have not given any credit Bureau any consent to add any items to my credit report. This is called FRAUD and it is also ILLEGAL.

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 2023-09-01
Company: EQUIFAX, INC.
State: FL
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've raised several disputes concerning accounts that aren't mine, but they continue to appear on my credit report. Additionally, I've filed multiple FTC Reports regarding these incorrect accounts. Despite legal obligations, these companies have neglected to address the disputes appropriately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found multiple fraudulent accounts on my credit report. This has been hurting me as I am in the process of buying a new home for my family. Please remove the fraudulent accounts from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am unable to send money from my account to my bank or reiceve any funds from anyone or any account and my cards either.. It started I went over my limit when I never set one and what it said on my account is that my limit is XXXX not XXXX so I want access to my funds cause it keeps doing this and I'm very dissatisfied with the way customer service is handling the situation with thru can't do anything about it can't give my information on what's going on I just want access to my funds because I have bills to pay I'm not blessed with money I'm grateful to get what I get and it's unfair that I can't access a misely XXXX did to an over limit that I did not achieve our come near. In result I would like some kind of restitution for all my troubles that I've had with my account and all the disputes I had to file because of all of the unauthorized transactions from hackers getting into my account. I love what cash app provided but I don't like all the risk I keep talking just to make sure my money is safe. Looks I mentioned in not matter of money now come from a family that does I scrape by with what I get and I hate to make a fuss but I worked to hard for my money just to go thru this stress and headache I've dealt with in the past couple of months.. my cash tag account in having problems with is $ XXXX. And I wasn't my funds transferred to my other cash app account I don't want to lose business with y'all I just want this fixed ASAP SENT FUNDS TO $ XXXX please thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized inquiries reporting to my 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