BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: Omega RMS, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
OMEGA RMS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. MO XXXX ( XXXX ) XXXX I asked this company for a payment history. As well as debt valuation letter. All the has supplied is a document from an online application. This account is an old account and has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: LJ Ross Associates
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to deleted the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the federal Trade commission and I also enclosed copies of the federal trade commission Idenitity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible its holding my life back Im in the process of purchasing an home for me and my family

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 2023-10-26
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I made a consumer credit transaction with tower loan. My title to my car was taken as collateral. I submitted payment in full before payments were due in the form of a 1099A which was endorsed correctly according to law. I submitted with the 1099a a blank 1099c 1099oid and a 1099v for there use to submitted for payoff. Tower loan has called and threatened me to take my car advising they were not taking the payment. I sent them a certified letter telling them to cease and desist all calls and unlawful collections and they continue to call. Threatening me, one even hollered at me. I can't deal with them anyone. They need to be shut down now. I have submitted lawful payment for the payoff of the loan. It's important to note the original payment I submitted to them was never returned marked not accepted. The harassment continues every day several times a day threatening me they will take my car. They will not stop. I'm about to file suit on them. I have clearly spelled out to them the consumer laws and my rights and what a lawful payment is and they refuse and constantly harass me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2023-10-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On or around XXXX XX/XX/XXXX - I opened the Wells Fargo Everyday checking account with a promotion. Promotion stated that 1 ) Open an account with {$25.00} or more by XXXX XX/XX/XXXX XXXX ) Within 90 days has a direct deposit of {$1000.00} or more. 
Once these condition are met then {$300.00} will be deposited after 30 days period ( once 90 days period is over ) Called Wells Fargo one month to check on this cash back. I was told that 30 days period is not over. I called again today at around XXXX XXXX  central time and talked to XXXX. She put me on a long hold then asked me I am ineligible as I got cash back during XX/XX/XXXX. I said that is more than 12 months back and as per the terms and conditions I should get {$300.00} cash back promotion. 
She said she can't tell me everything on the phone and asked me to visit the branch. I can figure out from body language and tone that XXXX is not willing to do any further home work and sending me from post to pillar.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
company is reporting fraudulent accounts on 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 non-monetary relief
Consumer complaint received 2023-09-15
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-01-13
Company: AMERIS BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My primary bank is in XXXX  ( direct deposit of XXXX  ). For over a XXXX XXXX XXXX XXXX I have been transferring money to my local bank, Ameris Bank to pay my mortgage here in XXXX. 

Approximately 6 months ago Ameris up and decided they couldnt trust our bank in XXXX  and stopped accepting transfers. Additionally Ameris put our account on restriction where they would only accept certified payments. Forcing us to pay via mailing certified checks to Ameris bank. Ameris went on to lose several of our certified checks. My XXXX XXXX dropped XXXX points because Ameris reported we had not paid several of our mortgage payments. Ameris refused to talk with me about the problem and demanded I send new checks for the missing months. 

I filled a complaint with the XXXX  and suddenly ameris found the missing checks and returned my score back to what it had been. Although I recently learned my XXXX  XXXX XXXX still reflects all the missed payments. 
Now, less than 6 months after the first fiasco Ameris has again reported I am missing mortgage payments even though my online account with Ameris says Im current. My XXXX XXXX got updated XXXX days ago saying XXXX over 60 days late on my XXXX payment even though I have proof of payment and my mobile app says Ive paid them. 

I found out Ameris has been sending my personal info to my old address in XXXX. I attempted to change my address online and over the phone but they only allow the change via mail. I have mailed the form several times but somehow it seems to disappear, just like my checks. 

Earlier today my wife got a call saying Ameris received an envelope with XXXX and XXXX payments enclosed. ( Which we mailed in XXXX to miss any late fees for XXXX as we were on vacation. ) They refused to deposite XXXX check and claimed it need to be mailed in its own envelope. They are demanding a new check, even though its a cashiers check and that money is already out of my account. 

Im hoping CFPB can help me restore my XXXX XXXX, get my mailing address changed and get online banking privileges restored so these problems will stop happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: United Shore Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last XXXX I submitted a request to UWM to set up a property tax and homeowners insurance escrow account for me on top of my existing mortgage with them. They responded, they requested {$6500.00} to set up the escrow account. That was sent to them and I heard nothing from them, since XXXX! That is a lot of money to a single income household. And now they send me a message XX/XX/23 stating that I need to choose whether I want an escrow for insurance or for tax or for both set up? And, if my property taxes are due within 60 days I have to pay it before they can set up the account? Are you kidding me? I am so unbelievably angry right now. Take a look at my credit, I have XXXX scores and take so much pride in keeping my finances straight and paying on time. XXXX XXXX right now. I have attached proof of payment they requested to set up account, I provided their letter and my handwritten letter ( which was also requested )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$420.00}

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 2023-01-13
Company: National Commercial Services, Inc
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I entered a XXXX  month lease agreement for my mother with XXXX XXXX in XX/XX/XXXX, unfortunately she was unable to live in the apartment due to her XXXX. The management co and apartment management were both notified of such. I was notified that I would be held liable for the lease until such apartment was re- rented which happened in XX/XX/XXXX. No communication had been received from either the apartment management or XXXX until yesterday XX/XX/XXXX when we received a collections call for XXXX. The issue I have is how can XXXX people pay for the same apartment. Wouldnt that be considered fraud. Please help me. The collection agency refuses to discuss the issue, XXXX XXXX refuses to discuss the issue and the apartment managers are also refusing to talk to us. My husband is the co-signer

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-05
Company: TD BANK US HOLDING COMPANY
State: OR
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:
TD Bank/Target is reporting on my XXXX credit report that an account was closed due to XXXX XXXX BK filing. The BK filing occurred in XXXX and XXXX  in XXXX. This account with TD Bank/Target was on the list of creditors, however, TD bank never properly closed the account until SEVERAL years later. Now it is appearing as a bad debt. I have tried to contact TD Bank to resolve this and they advised they can not speak to me because the account is showing it is in bankruptcy. XXXX is unable to make any changes at my request and suggested I submit a compliant to CFPB. The other two credit bureaus updated the account properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: CarMax, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed an auto loan account ( Carmax ) in XXXX because it randomly appeared on my credit. XXXX stated that Carmax responded that they certify the account belongs to me. 
I asked XXXX to send me any documents that Carmax sent but I havent received anything. I called Carmax customer relations department on XX/XX/XXXX to get the information that XXXX cant seem to provide. I explained to the representative at Carmax customer relations that a delinquent auto loan account appeared on my credit over a month ago. I provided my email and was told someone would look into the situation. I received a call back a few days later and the representative told me I needed to reach out to Carmax credit department. They would be the department to dispute any fraudulent accounts. After finally getting a hold of someone I explained the same situation about an auto loan account appeared on my XXXX Credit Report that wasnt mine. I provided my name and last 4 of my social and even the fist few digits of the account number that appeared on my credit report. On Carmax recorded line the representative stated that she didnt seem any auto loan under my information. I volunteered my full social just in case someone else shared the same last 4 digits of my social. She then put me on hold and the told me all she saw was inquiries but no account. I was told that they cant dispute the inquiries. I was told I would receive a fraud form to my email in which I never received. I also explained to her that I had previously disputed the account and told the representative that XXXX results stated that Carmax said they certified it was correct. The Carmax representative in the credit department denied claims that they told XXXX that it was my account because she said based of the information it Carmax would have deleted the account. So now there is a bigger issue. Either XXXX is not actually disputing the account or Carmax doesnt want to take responsibility. This is defamation and violation of the FCRA. This has hurt my credit. I mentioned to the Carmax rep in the credit department that is pending dispute again and she stated she didnt see a dispute. But on my credit report it is being disputed. So now one can seem to verify this debt by sending me actual documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I contacted National Credit Systems in regards to balance against my credit due I did not receive any notification validating the debt. I don't understand how I could be owing a debt of a place I did not stay and I would not owe a debt to any place I live at due to at the time I had section 8 housing where the housing authority paid 100 % of my rent. There is a difference of filling out an application for a place of residency and actually moving in. Even if you signed a lease but never took legal ownership of the place of residency due to finding another place else where then how could this be a debt that I owe. I have reached out to national credit system due to them not sending validation Statements in which if they did it was sent to the wrong address. Also in XX/XX/XXXX I called and spoke to XXXX rep and advised that they are not able to call me due to the cease letters sent to them and the fact that they are placing a debt on my credit report they are not the original creditor in which they are violating FCRA laws. 
Also on XX/XX/XXXX after I had the 3 bureaus sent a validation letter to national credit system they sent a debt postcard and also they placed an embarrassing stamp on note on a letter they sent. It also included publishing my name on a bad debt list which was not fair without proper validation sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Prosper Marketplace, Inc.
State: DE
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 bureau act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnishing account without my written instructions under 15 USC 166B a creditor may not treat a payment on a credit card account under open Consumer credit plan as late for any purpose

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 2019-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I was applying for a car loan in XXXX, and the dealership rate shopped me. One particular financing company, XXXX XXXX, ran my credit twice in 2 days ( XX/XX/17 and XX/XX/17 ) but the 2nd inquiry was not authorized. I contacted XXXX XXXX directly already, and they were extremely rude. 

I also contacted Transunion, and after multiple phone calls, I was routed to the US Special Handling Division in Pennsylvania, where a supervisor proceeded to tell me that as this was an inquiry, it was a statement of fact, and it was not their responsibility to investigate and that I needed to contact the creditor to request removal. I stated that I knew my rights under the law, and that they had a responsibility to investigate, and they still refused. I asked for the department that oversaw theirs, and was given a phone number to the Executive Resolution Center. 

Additionally, Transunion only allows consumers to submit supporting documents via the web or postal mail, and doesn't offer a fax option, and the majority of the time the web option has severe issues. On top of that, they only allow consumers to have a single dispute open at any given time.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: MO
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:
On the months, of XXXX, XXXX, and XXXX of year 2023 I sent over a verification letter to Experian Credit Beraus. I asked them to validate all the accounts on my credit file and they DID NOT. They sent a letter stating that they did which was a lie because how did they validate anything when they couldn't send over anything with my signature on it. Also, I asked that any inquires not associated with an account and is over 30 Days old be removed immediately. THEY STILL HAVE THE ACCOUNTS ON MY CREDIT PROFILE THAT i ASKED TO BE REMOVED. AT THIS POINT, if they dent remove the unverified accounts within 3 days I intend to pursue legal action and litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the unverified items are not deleted immediately.

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 2023-10-30
Company: Experian Information Solutions Inc.
State: TX
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 attempted to dispute these unauthorized inquires from Experian and they have not removed them., I have already contacted every creditor directly and they have no proof of permissible purpose or even a record of me on file. Herer are the inquires I want removed. 

ADMINISTRATION SERVICE - Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation