BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-19
Company: Experian Information Solutions Inc.
State: NJ
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:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX   VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT

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 2019-09-28
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
Closed my account by paying it off in its entirety with Well Fargo on XX/XX/2019. Unknown to me they charged my account ONE days interest for XX/XX/XXXX and billed me after my account closed. I then received a collections letter for a late payment - that I never knew existed, and never received a standard bill for. I called Wells Fargo to dispute the retroactive billing, the lack of transparent charges, and there handling of it. They investigated my complaint and withdraw the {$13.00} charge for one day interest but still reported it as late to the credit bureau. I went to go refinance and low and behold my credit score has dropped because this interest that should not have been charged but if it was should have been billed properly and was being investigated and then retracted has now dropped my score 40 points and messed up my perfect credit. I contact XXXX and provided them the letter showing them the investigation, dispute with Wells Fargo, and the results of the retraction, yet XXXX will not remove it. 
It has cost me financially with my credit score, made it impossible to refinance at a good rate, and my next step is to contact the AG of Mass if this cant be resolved, as well as the press. Wells Fargo is criminal enterprise and should not be reporting on anyone 's credit!

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 2018-12-19
Company: ID Analytics, 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: Old information reappears or never goes away

Complaint:
I was denied a loan by XXXX XXXX XXXX after two inquiries provided misleading and inaccurate information. The two companies that provided the derogatory information were XXXX and XXXX XXXX. I have requested specific information from all three entities to elaborate on this information used against me and gotten no response.

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 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my 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 2019-09-28
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I was in a car accident and my XXXX leased XXXX was totaled. My lease was with Hyundai Capital Finance. On XX/XX/XXXX the account was settled with my car insurance, XXXX. I spoke with both companies to confirm that there was nothing else I needed to do and they both said everything was settled. 

On XX/XX/XXXX I got a new credit report in which my score went down by more than 120 points due to an unpaid balance of {$1000.00} with Hyundai Capital Finance. On XX/XX/XXXX, I proceeded to contact the company to ask what this debt was about. The agent I spoke with informed me it was money my insurance company didn't pay originally. I asked this agent why they did not attempt to contact me before marking my account as negative on my credit report. The agent said that they sent a letter to an address I haven't lived in for the last two years. My follow up question was why they did not attempt to call, email me, or contact the co-signer of this lease, to which the agent responded, " That is not our policy. We just send one letter and if we don't hear from you we send it to our debt collector agency. '' I told her that no collection debt agency had attempted to contact me in regards to this debt, so how could they ruin my credit without ever attempting to contact me? She said she could not speak to the process, but that I could try to contact XXXX and XXXX to dispute the claim. On XX/XX/XXXX, I promptly paid the debt and sent out letters to both companies and one to Hyundai 's Dispute Center. 

Now, XXXX and XXXX  have updated the account as paid and did not take any action in regards to my dispute about not being properly informed of such debt. I called Hyundai Motor Finance again on XX/XX/XXXX and spoke with another agent. I asked him if I could speak with the dispute center because I do not believe it is fair that my credit went down over 120 points when I have never made a late payment in my life. He told me all I could do was contact the credit agencies, both of which have not done anything. I have not heard back from Hyundai 's Dispute Center I promptly paid my debt and if you look at my credit report, I have never made a late payment in any of my accounts. This decrease in my credit score will negatively impact the next decade of my life. As a law student, I depend on my good credit I worked for to get good interest rates with my loans. I have been diligent in my payments to make this possible.

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 2018-08-07
Company: FIRST ADVANTAGE CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
For my York County Record, it says i have been confined for 90 days to 3 years than re sentenced to probation that is false i wasn't in prison at all i was on probation didnt pay my cost than re sentenced to probation. This is out of control this makes me look like a bad criminal. I wasn't ever in jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Associates and I have never entered into any contractual agreement. They are/and have been attempting to EXTORT me out of a FRAUDULENT debt of {$710.00}. Again I have never did business or entered into any contractual agreement with this company neither any of there associates. As a Result this company has been Bullying, Harassing and THREATENING me and my family on the phone, aswell as damaged my credit report with this FRADULANT charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Colony Brands, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, Blacks Law Dictionary, 6th Edition, 1990, defines Verification as,  Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Applied Data Finance, LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a address listed that is not correct. XXXX XXXX XXXX  XXXX XXXX  XXXX, New York XXXX is not an address i have lived at. I have lived in XXXX  for XXXX  years. I am XXXX there is a club activity that i have not joined. Was made by applied data finance on XX/XX/19 i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing has refused to remove the {$2500.00} charge for Other Deferred Amounts from our monthly statements. The amount in question represents three monthly payments they posted to our account subsequent to the date they purchased our mortgage. There are four issues in this matter. 
1. The {$2500.00} amount represents three payments of {$860.00} for the months of XX/XX/2014, XX/XX/2014 and XX/XX/2014. 
2. This amount was not included on our monthly statement when XXXX  XXXX XXXX was the servicing agent prior to the mortgage being sold to Shellpoint Mortgage. 
3. These charges were applied to our account by Shellpoint Mortgage Servicing retroactively subsequent to the date they purchased our mortgage from XXXX  XXXX XXXX. 
4. Paragraph # 4 of the modification states in referring to Deferred Principal Balance I will not pay interest or make monthly payments on this amount. 
The significance of this is with Shellpoint including this amount in the monthly payment statement it becomes Past Due which triggers inspection fees, late charges, Notices of Intent to Accelerate and other fees. 
This situation violates the terms of our mortgage. More seriously this mortgage has been sold twice in four months with serious problems in the transmission of the current financial data. My question, is this an attempt to defraud mortgagees with selling and transferring the mortgages?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I made a transaction on XX/XX/19 to send money to my Mom in XXXX. In less than 24 hours, my mom told me that the reference number on transaction doenot match and she had not received the money. I called XXXX at least five different times in an hour alerting them that my receiver had not received the money. One agent said that the money has already been submit. But did not provide who, when and how somebody took it without proper identification. I argued that money I send was taken out by somebody. Agent advised me to call after 3 to 4 business days. I called after more than 7 days and they said they are in under investigation and will take 60days. They also promise to call me or via mail me.. but I havenot get any response from them neither get my {$300.00} money back. Whatever they promise to people to send money safe, secure and fast but now I believe this company is total scam and fraud. They take advantages of people hardworking money to enrich themselves. Therefore, I believe this is the best solution for me to complain/contact you ( financial bureo ) to help me through out this difficult time. I eagerly hoping you will find the solution and sort this problem as soon as possible. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a dispute disputing this account and this company failed to respond within the 30-45 days time frame. I requested for proof of documents because this account was to be paid off in full and is still incorrectly reporting and hindering the growth of my credit score.. XXXX has not responded or provided any type of documentation supporting this account.

Also this account is reporting every month negatively on my report dropping my score.

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 2019-09-28
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: Personal information incorrect

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have contacted TransUnion more than one time vs certified mail and have also called. 
Disputing and requesting that I personal information and name be updated and all those address and names that do not belong to me be deleted, and they refuse to comply with my request and Federal Law. I have mailed notarize letter with photo of my driver licence and social security card showing them what name is and how it is spelled, and still no change. Just as of XX/XX/XXXX I was mailed a letter with the name XXXX XXXX XXXX, which is not my name my name is XXXX ( XXXX ) XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX. Nor have they remove all of those addresses that are not my address and the employment that is on there as well. This making me give further verification to whom I apply with for credit because I have all these different names and address and employer on my credit report. 
The following is inaccurate and need to be deleted : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, SC XXXX employment that needs to be delete XXXX, XXXX  Please remove all inaccurate information and update my credit profile as to the following information is accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Medical Compliance 's Officer They also have never send me the proof that they investigate my dispute I have requested twice and they keep telling me it has been verified and accurate and the other disputed just have Not Specified Account # :XXXX**** Account # :XXXX**** They have yet to proved me with proof of an investigation and any reporting documents that this is my debt and reporting accurately

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 2018-12-19
Company: Experian Information Solutions Inc.
State: MD
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:
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX/XXXX XXXX, Chapter XXXX Bankruptcy Dismissed XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX provided false credit information to XXXX, XXXX  during an application. They provided mistaken credit score and other fictitious information that led the company to deny me credit. A clear violation of the FCRA.

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 2019-09-28
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My husband, an authorized user on my Costco Citi Visa card, was unable to use his card when he went to Costco. I logged on to the Citi online portal to see what was going on, and I noticed that I had missed a payment. I rely on US mail statements for record keeping and accounting purposes and as prompts to pay my bills. When I went through my old paper statements, I realized that I had not received a statement from them in 3 months! When I called Citi, they stated that I had opted in to receive electronic statements because I registered for online access. When I looked at my online portal with Citi, it stated that I was receiving statements by US mail. I know that I did not opt-in to receive electronic statements. The representative that I worked with over the phone, XXXX, thankfully claimed to waive interest and fees if I made a payment on my account over the phone. He did not investigate why I was only receiving electronic statements and not US mail paper statements even though my online portal states that I am receiving US mail statements. He also would not answer questions about when Citi reports late payments to credit bureaus. He said that he could not provide that information because he is not a licensed credit agent.

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 2019-09-28
Company: BB&T CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Re : Previous complaint XXXX This bank BB & T still has not resolved this complaint although you let them close the matter without a proper explanation. They still have not transfered my ira to the other bank. This deliberate delay has cost me over {$200.00} in lost interest plus the difference in the rate at the new bank which has been lowered during this fiasco. Please help in this matter. BBT already has over 5000 matches in your data base.

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 2018-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
TU Credit Reporting alerted me to a new Collections account filed from XXXX XXXX in the amount of {$190.00} with an original date of XX/XX/2017. At that date, I had just turned 18 years old for 3 days and could not have accumulated this debt. 

I have no records showing an amount of {$190.00} I had no credit accounts at that time. 
I have received no letter from XXXX XXXX. 

What I believe happened is that my name was mixed up with that of my XXXX/debt-owed father. This debt is not mine and impacts my ability to gain credit for student loans and rentals.

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