BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
XXXX XXXX is in this. As a follow-up to the last CFPB complaint I filed on XX/XX/XXXX, I am filing this one. On XX/XX/XXXX, I wrote to the credit bureaus and asked them to delete the following things from my file because they are unknown to me. I just learned about this regulation, and it states that credit reporting agencies must delete all accounts and information no later than four business days following XX/XX/XXXX, as per FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ). This was also mentioned in my earlier complaints XXXX XXXX XXXX XXXX and # XXXX, therefore I'm mentioning it again. Please remove the following items as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX. Also, if the Credit Bureaus claim that the disputed items belong to me, I am requesting that the Credit Bureaus send me copies of proof of verification. In the event that the Credit Bureaus do not comply with the requests, please remove the disputed items as soon as 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 non-monetary relief
Consumer complaint received 2021-10-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/21, Wells Fargos credit department took {$5700.00} from my Wells Fargo checking account, resulting in my account being over drafted by {$2900.00}. At the time of writing this, my account is XXXX. Wells Fargo Executives confirmed that this auto payment was taken in error as I had turned off auto payment on XX/XX/21. 

This morning, my family and I were stranded in Florida as we were attempting to gas up and return to our GA home from vacation. At XXXX XXXX, my card declined and I reviewed my account and saw the error. I promptly contacted Wells Fargo and proceeded to speak with no less than 10 representatives, ranging from tellers to Execs over the course of the day. Every person quoted a 3-10 day TAT to resolve an issue they confirmed was theirs. This is unacceptable for an issue this urgent. Just to get home, I had to use the same credit card that is the root of the issue just to get my family home.

Multiple reps lead me to believe I caused this issue before the Exec team proved this to be untrue. The Exec team has provided no assurances to when I will get my funds back. One rep, who I can provide details on if needed, stopped answering my calls which I advised I would make to check in for updates. At XXXX XXXX, this rep obviously started sending my calls to voicemail. I called seven times in a row from my number and each attempt was sent to voicemail. Suspecting my calls were being screened, I called the same Wells Fargo Exec number from my wifes phone, and it was answered on the second ring by the rep I had been trying to reach. How can I trust a business to keep their word on expediting a complaint when they screen my calls? Again, this was a confirmed Wells Fargo issue that wiped out my account. At the least, they owed me updates and transparency.

With Well Fargos history of fraudulent practices, I have no faith that anyone actually worked to expedite and resolve my issue. I have no money in my account and have mortgage and bills to pay today. 

I am pursuing every path I can to report Wells Fargo for their suspicious business activity.

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-14
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted XXXX XXXX XXXX several times to indicate I would not be renewing my lease. XXXX XXXX XXXX never responded. An end of lease walk through was never completed. I moved out of the residence per my lease agreement. XXXX XXXX continued to charge me rent after I moved out. XXXX XXXX is also charging me for other erroneous fees they state I incurred AFTER I moved from the residence. I provided XXXX XXXX with documentation showing I moved from the residence per the lease agreement. XXXX XXXX never responded. XXXX XXXX then sent my account to collections. I told the collection agency about all that occurred and provided them with documentation to back up my claims. The collection agency said I didn't provide enough information which I do not agree with. If the documentation was reviewed by the collection agency, they would clearly see I moved from the residence and all my claims against the charges are accurate. After I requested the documents to be reviewed by the collection agency, they contacted me without having reviewed the documentation I provided and stated I needed to begin a payment plan even though I do not owe XXXX XXXX the money they are asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. 

BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS.

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX INQUIRIES : XXXX XXXX XXXX   XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/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 2018-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Back in XXXX of 2018 I began working on cleaning up my credit. After sending in my driver 's license, social security and proof of address to TransUnion they mailed me a copy of my credit report. After reviewing it I noticed incorrect names, addresses, accounts etc listed on my report. I filed disputes with TransUnion requesting that they remove the inaccurate information from my record. I continued to notice that TransUnion was not correcting my personal information. So after mailing them at least 4 times, I decided to call. I contacted TransUnion on XX/XX/2018 and spoke with a rep who stated that they had corrected my name and I requested that they mail me an updated report with my name corrected. Unfortunately when I received my report my name was still incorrect. I am not sure how I can trust TransUnion to accurately report my credit history if they can't even get my name right. So that is why I am filing this complaint. I just want them to have my correct name on file.

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 2020-10-22
Company: Velocity Portfolio Group
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been receiving calls regarding a {$530.00} debt with XXXX XXXX, the only debt I have ever had with XXXX XXXX was paid off long ago and the total amount does not match the previous debt. They gave me a time limited offer to allow me to satisfy said account for 35 % of that total. I called them today XX/XX/20 to see if they could verify the debt and would not do so without my original account number and social security number. This debt is not on my credit report and I do not and have not had a XXXX XXXX account in over 10 years. I did not give them any information as they were unable to verify the debt 's legitimacy.

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 2018-02-18
Company: Experian Information Solutions Inc.
State: NY
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:
1. I do not recognize the following hard inquiries : XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX. 
Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2. My credit limit of {$20000.00} with the following creditor is not reported ( it's a Personal Unsecured Line of Credit ) : XXXX XXXX XXXX Account Number XXXX Balance {$0.00} Date Opened XX/XX/XXXX 3. This name associated with my account is wrong : XXXX XXXX Name ID # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: SYNCHRONY FINANCIAL
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:
I dont recognize these inquiries.

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 2017-09-25
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received several notifications from ERC regarding an XXXX XXXX XXXX XXXX account I never obtained with the company. Each time I received a letter from them I sent them a letter asking them to validate not verify that this account, in fact, belongs to me. All they send is a copy of one bill with no signature, no contract, no validation that this is my debt. In the letters I sent to them I have sent them this statement that shows that they ca n't just supply a bill and say that it is mine. Anyone can send a bill but can they validate it? As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. I have mailed them the last letter dated for X/XX/2017 requesting this information once again. If they fail to produce the contract with my signature then I will take the next steps as they are in non-compliance with federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint against NewREZ XXXX www.newrez.com XXXX. XXXX  XXXX XXXX, TX XXXX My mortgage was transferred to Shellpoint Mortgage which then became NewRez LLC some years ago. In XX/XX/XXXX I began paying extra principal and just additional money on my mortgage. Unfortunately, I didnt pay a lot of attention of how my extra payments were being accounted for, but I assumed that it was going to principal and interest payments. I had a XXXX in XX/XX/XXXX and in XX/XX/XXXX I finally reviewed my mortgage account to see how much longer it would take to pay it off. I realized that what they did was they kept pushing out next due date as opposed to applying the funds to my account. Ins My XXXX statement of XX/XX/XXXX stated I owed {$0.00} on XX/XX/XXXX and my next due date was XX/XX/XXXX ( or XX/XX/XXXX ). To me that meant they had at least five months of payments accredited to my account or at least {$12000.00} ( my regular payment was {$2400.00} although I often rounded up to {$2500.00} ). My first call on XX/XX/XXXX the customer service rep said she would enter a ticket to have my payments reassigned to principal. She thought I might have somewhere between 12 and {$15000.00} overpaid. At that time, I owed {$12000.00}. She told me it would take 3-5 days to process. Nothing happened so I called back on XX/XX/XXXX and spoke to XXXX. She said she saw the notes but no ticket so she opened one and said she would escalate to her manager. On XX/XX/XXXX NewRez fluctuated my due amount between {$12000.00} and {$22000.00} and determined I owed {$9500.00}! I called back on XX/XX/XXXX and spoke to XXXX who would not explain why they did what the did but their adjustments were correct were correct. After that fiasco I noticed they had pushed my next payment out to XXXX. I called and spoke to XXXX and we figured if we took the 2 months credit into account if I paid on XXXX we figured the new principal would be {$4700.00}. NewRez moved my next payment due to XX/XX/XXXX but only reduced my payment to {$8300.00}. I do not understand their funny math so Ive attached the spreadsheet with my payment history. I feel I should owe much less than what they are billing me. I believe they are being dishonest, I have attached the payment record for you review. I hope you can help.

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 2023-05-06
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and ultimately on my financial wellbeing. This has been hurting me as I am in the process of buying home for my family and caused financial and emotional distress upon me and my family. Please Remove/Block these fraudulent accounts from my credit report in 4 days of receipt. 
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
Consumer complaint received 2020-09-27
Company: AFNI INC.
State: WI
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:
On XX/XX/2020 I disputed this debt. I have never signed a contract. I don't know who this company is. I have not done business with this company. I do not owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
transunion, XXXX  and XXXX all are reporting and unfair discriminatory credit scores very low... there are no collections and no late payments ... my credit score continues to decrease instead of increase and I am also be denied 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 2020-07-10
Company: CarMax, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/2020, I applied for a vehicle with CarMax and was approved during the initial process, CarMax had contacted me on XX/XX/2020 to discuss the vehicle with me. I provided all proof they needed ( residence, income, and driver 's license ). They claimed I was approved for a loan through XXXX XXXX, which I found out through letter and by calling that they did NOT approve me for loan. At the time CarMax ran my credit for three days in a row with the same companies which kept tagging my credit score, they pulled out of the deal on Tuesday saying my proof of residence wasn't good enough and then later admitted to selling the car that was suppose to be on hold. I attempted to contact corporate with no return calls and emails completely ignored. I contacted XXXX XXXX ( the sales person ) back and she refused to respond and ignored all further contact. 

I don't feel it was right that my credit was pulled for three days in a row after being told I was approved, the creditor XXXX XXXX said that approved me actually never approved me, this is a form of yoyo financing in my eyes. Some action needs to be taken, the company doesn't even have the decency to apologize and blamed me for their mistake. I ended up getting a newer vehicle for the same price through a lender CarMax claim denied me. This is how I found that CarMax had ran my credit through the same creditor numerous times even after being told I was approved already. Not to mention that this creditor accepted my proof of address, this was a creditor that CarMax said denied me due to not having proof of address, I provided the exact same documents to the other dealer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
I recently moved from XXXX XXXX to XXXX this year and when going for an apartment I was told I had a Bankrupotcy on my file which as you can imagine, is alarming. I XXXX  the best way to dispute it and did with the 3 credit Bureaus that it was inaccurate and to remove it ( XX/XX/XXXX ). XXXX removed it which is great, but XXXX XXXX and Experian did not. I did more research and decided to reach out to the court as well. I wrote them a letter asking what infor that they have on me for reporting the information and they responded that they do not provide the credit bureaus information, which caused quite a conodrum as you can imagine. How is a credit bureau validating the information if the supposed court it occurred at does not supply the information. I wrote back to the credit bureaus XXXX XXXX and Experian with this information, even cited the proper law, and provided the paper the court provided, still nothing. 
This is my last resort to correct inaccurate information.

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 2019-10-23
Company: Freedom Mortgage Company
State: CO
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:
I recieved a bill from a this company and i always mail my payment. However, one month they received the payment 5 days late. The check was dated for before the payment was due but it was not processed until after it was 5 days late. The company reported me as 30 days late on my credit report because of this and it has damaged my ability to get a home loan with the best possible rates. I had also mailed other payments into them that were received 5 days late as well but i never had a 30 day late payment put on my credit report. Technically the payment was only 5 days late and a late pay was assessed to my account which is fine. Since the incident, i have always paid more then i have agreed to pay each month as well and attempted to have them remove the late payment history but have not been successful.

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 2023-02-02
Company: McCarthy, Burgess & Wolff, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In early XXXX I attempted to create a XXXX account for internet. When the XXXX representative came to my house, he told me XXXX XXXX was impossible in my residence, and they would notify me if/when the XXXX was possible. 

At that point I did not have a XXXX account I could access. When attempted I was confronted with account unavailable, and will be available when you purchase a service. 

Months later, I received a collections letter from a company stating it was attempting to recover a debt to XXXX. 

This letter was neither sent to my residence, nor emailed. Instead it was sent to my parents residence. Which was not the residence of the requested XXXX  service. 

I became aware of the collections when I was notified my credit had been brought down XXXX points, I decided to investigate. I contacted the company recovering the debt, and we ended the conversation saying they would look into it, and get back to me. They never got back to me, and within a week my credit had recovered to above 700 where it was previous to the fraudulent collection. 

In XXXX XXXX XXXX, I recorded a second collections letter claiming they were attempting to recover a debt for XXXX, for over XXXX $ of what the initial service was supposed to cost, due to interest and fees. 

Given this matter was resolved and XXXX itself refuses to speak to me on the matter. I have decided to take this step to resolve this once and for all.

Company response to consumer: Closed with explanation