BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-13
Company: Innovis
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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX, my SS # XXXX My DOB is XX/XX/XXXX. I have a few issues of addresses on my file that do not belong to me on my credit report. I have never lived at the following addresses : XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please remove these cell phone number they are not mine, there are several issues on here I am not understanding who has used my name to open accounts at the addresses mentioned above. I have attached a copy of my ID and SS for proof of my identity ( 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 explanation
Consumer complaint received 2020-11-08
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I contacted Wells Fargo requesting the pay-off balance deducting our escrow account monies for re-finance purposes with another lender. That escrow balance would have reduced our refinanced loan by {$4000.00}. Instead, my refinanced loaned ended up costing/being {$4000.00} incremental to what we anticipated. 

The customer service agent advised me that Wells Fargo does not provide pay-off balances deducting the escrow account balance. However, that the escrow account would be reimbursed separately after the pay-off for the mortgage is received. Further, the escrow monies are not Wells Fargo, they belong to the consumers and that they do not benefit from the escrows. 

I explained to the customer service agent that I never applied for this Wells Fargo Mortgage and that the original lender ( PRMG ) had sold this loan to Wells Fargo. Therefore, I asked if she could send me a copy of the terms and conditions signed by me and the co-borrower agreeing to these terms and conditions. She advised that those terms would have been written and signed to in the original loan with XXXX and she couldn't provide. 

I asked if this was a regulatory requirement or a Wells Fargo policy and the agent responded that Wells Fargo only deducts the escrow amount from the re-financed balance if I were to refinance with Wells Fargo. 

I advised the customer services agent that Wells Fargo is benefiting from this policy/procedure against the protection of the consumers. Further, that Wells Fargo having been in the media several times with consumer violations cited by regulators, that this is another consumer violation and that I would seek legal assistance. I was referred to an executive consumer relations representative who gave no resolution and said she would send a letter which we received and is attached.

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 2019-08-09
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: Information belongs to someone else

Complaint:
I'm soon to be in the market to purchase a home. With that being said I started by checking my audit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. 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
Consumer complaint received 2022-03-10
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-03-10
Company: Advanced Resolution Services Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022, I sent a letter notifying you I demand all my information be permanently deleted from both the verified and unverified portion of your business as I NEVER gave you written permission to furnish said information and under the FCRA ( Fair Credit Reporting Act ) you are committing a federal crime. Within thirty ( 30 ) days, I asked that you give me written notice of instructions. You have are willfully noncompliant and according to FCRA ( Fair Credit Reporting Act ) are liable for federal violations conducted, should you fail to reply I will pursue legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit collection agency representing XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If MIDWEST RECOVERY SYSTEMS does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX a validation request for validation that all required notices under XXXX Law were received and timely. I have requested this information several times, prior to XX/XX/XXXX and also have spoken to a rep over the phone, in which I also requested that proof all required notices were sent in received. I have yet to receive requested notices. I also show the last payment on account # XXXX was on XX/XX/XXXX, which means the car was sold and I was not notified of the date, place or time of sale. I also did not receive any breakdown of my deficiency balance. Because these notices were not received AT ALL, the deficiency balance on this account is no longer valid. Furthermore, the vehicle must be sold for an reasonable price and as of where the current balance stands, I can not see how this was the case. 

I have made several attempts to correct this account with the credit bureaus. I sent a dispute letter to all 3 credit bureaus, Transunion, XXXX  and XXXX  asking for the method of verification and the procedures used to verify that account # XXXX was truly accurate. XXXX  deleted this inaccurate account, due to NOT being able to verify its accuracy. However, Transunion and XXXX  have verified this account as accurate without sending procedures used to verify accuracy. Credit bureaus are REQUIRED to do a proper investigation and not just certify that creditors have given accurate information. Anyone can say an account is verified but that does not mean the account is truly accurate. I have not been able to obtain proof of validation from the creditor so it seems pretty suspicious that Transunion and XXXX would render the result of " VERIFIED AS ACCURATE ''. Furthermore, I sent a CFPB complaint on XX/XX/XXXX for the reinvestigation of this account and my complaint was closed prior to the credit bureaus completing their reinvestigation and still did not correct the issues. I also advised to all credit bureaus that the balance is inaccurate, along with many other metro 2 reporting violations.

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 2021-04-19
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had fraudulent activity that took place on my XXXX XXXX checking account. There was an error with the payment that should have been debited on my account onXX/XX/2020, instead GM Financial processed onXX/XX/2020. I contacted GM Financial and informed them there was fraud on my checking account and that transaction needed to be reversed as my account was under investigation. I was informed that there was nothing they could do. Because the bank account option was removed from my online payment methods of choice, I was unable to set up an automatic payment forXX/XX/2020/ This has caused a late payment to affect my credit report. XXXX XXXX provided documentation stating this was not my fault and that GM Financial should remove the late payment. After reaching out to GM Financial, I was informed that the 1 late payment history could not be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX a validation request for validation that all required notices under XXXX Law were received and timely. I have requested this information several times, prior to XX/XX/XXXX and also have spoken to a rep over the phone, in which I also requested that proof all required notices were sent in received. I have yet to receive requested notices. I also show the last payment on account # XXXX was on XX/XX/XXXX, which means the car was sold and I was not notified of the date, place or time of sale. I also did not receive any breakdown of my deficiency balance. Because these notices were not received AT ALL, the deficiency balance on this account is no longer valid. Furthermore, the vehicle must be sold for an reasonable price and as of where the current balance stands, I can not see how this was the case. 

I have made several attempts to correct this account with the credit bureaus. I sent a dispute letter to all 3 credit bureaus, XXXX, Experian and XXXX asking for the method of verification and the procedures used to verify that account # XXXX was truly accurate. XXXX  deleted this inaccurate account, due to NOT being able to verify its accuracy. However, XXXX and Experian have verified this account as accurate without sending procedures used to verify accuracy. Credit bureaus are REQUIRED to do a proper investigation and not just certify that creditors have given accurate information. Anyone can say an account is verified but that does not mean the account is truly accurate. I have not been able to obtain proof of validation from the creditor so it seems pretty suspicious that XX/XX/XXXX and Experian would render the result of " VERIFIED AS ACCURATE ''. Furthermore, I sent a CFPB complaint on XX/XX/XXXX for the reinvestigation of this account and my complaint was closed prior to the credit bureaus completing their reinvestigation and still did not correct the issues. I also advised to all credit bureaus that the balance is inaccurate, along with many other metro 2 reporting violations.

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 2022-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke with the company, we settled for {$370.00}. They sent me a settlement letter on the same day that I paid them, which was on XX/XX/XXXX, I went to dispute the account on my credit report, when they were contacted by them, they lied and told them that I owed them {$100.00}. I spoke to them twice about this. The first rep I spoke to told me that this would be removed on XX/XX/XXXX. And the second rep ( who is supposed to be a supervisor ) told me that they gave the credit bureau the save amount and it should be removed in 30 days. They are giving me conflicting information. The name of this company is Portfolio Recovery Associates LLC. I originated this report bc I feel that I am being jerked around by them, and each rep gives me different answers or reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. I believe that my accounts have been used fraudulently in the past and currently. Can you please check to see if any personal or business accounts are open under my social security number or have been open in the past. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # 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 2017-11-02
Company: BTH Management
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The aforementioned credit collection agency representing XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX  does not have any documentation, they need to retract this from my credit file immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted request to Transunion, XX/XX/XXXX, And XX/XX/XXXXto dispute a late payment for the month of XX/XX/XXXX for my XXXX XXXX account. I submitted my dispute letters on XX/XX/XXXX and a follow-up letter on XX/XX/XXXX. I have yet to hear back from either of these companies with the result from my investigation.

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 2022-08-12
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: Personal information incorrect

Complaint:
Experian is the only credit bureau that gives us consumers issues with removing inaccurate information. Ive been dealing with this for several months now. Experian keeps reporting inaccurate addresses and stating the address is associated with an open account, I have NO open accounts and all my creditors have my current address. Ive sent in several request stating to PLEASE REMOVE ALL THE OTHER ADDRESS OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE UNITED STATES POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA, SINCE THEY ARE 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 2021-09-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am writing to Select Portfolio, Inc. to request specific itemized information about the accounting and servicing of the mortgage and of my need for understanding and clarification of various charges, credits, debits, transactions, actions, payments, analyses and records related to the servicing of the loan from its inception to the present date of my deceased mother XXXX XXXX XXXX. 

According to RESPA 12 USC Section 2605 ( e ) my lender had 20 days to acknowledge receipt of my Qualified Written Request and 60 Days to provide me with answers to my questions pertaining to the loan. This complaint is specifically pertaining to the payoff amount however the lender has failed to acknowledge my QWR. 

On XX/XX/2021, I sent a QWR to the mortgage company counsel. The QWR was delivered to the address at XXXX o XXXX XXXX ( see attached USPS tracking ) XXXX. I have not received a response of acknowledgement from the lender. 

I am hereby disputing the amounts due and owing which is contained in Select Portfolio Servicing payoff amount specifically an additional advance balance in the amount of {$75.00}, XXXX which is due and owing and proper accounting of interest and escrow balance. I want full disclosure of this amount in particular or if it is deemed an error I am requesting the servicer to update the payoff amount and provide an updated payoff amount. Other family members were surprised when I spoke to them of the amounts due and owing especially when the amount disclosed by previous counsel less that 9 months were lesser. 

Here, Select Portfolio Servicing has erred by not acknowledging or/and providing the above items to me in a timely and/or sufficient manner. Specifically, Select Portfolio Servicing XXXX XXXX as violated XXXX C.F.R. 1024.36 ( d ) ( 2 ) ( i ) ( A ) ; 12 C.F.R. 1024.35 ( b ) ( 6 ) ; and 12 C.F.R. 1024.36 ( c ). By copy of this notice of error, I am once again requesting that Select Portfolio Servicing immediately provide an breakdown or itemization as it relates to the payoff amounts of the settlement dated XX/XX/2021 and correct all errors as it pertains to the payoff amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Global Lending Services LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was granted a loan extension for XX/XX/2020 and XX/XX/2020 due to the Corona Virus, which meant my next payment was due XX/XX/2020, said payment was made on time and Global Lending customer service employees continue calling advising that I my account is not current and my account is current. 
The extension was granted XX/XX/2020 which covered XX/XX/2020 and XX/XX/2020. 
Letter attached dated XX/XX/2020 from Global Lending confirming the extension was granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: EQUIFAX, 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:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Company response to consumer: Closed with explanation