BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-18
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
We have been in touch with Wells Fargo directly and also through your system. 
Our credit report shows two HELOC Payments late. Which is NOT Correct. 
Each month we pay our bills and are given a conformation number to prove our payment. Wells Fargo takes another step and sends us a letter with another conformation number and our account information. We are still supposed to trust this. 
HOWEVER, We clearly have Conformation # XXXX for payment on XX/XX/XXXX for {$720.00}. Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last four of our bank account. 
We have a documented conversation with Wells Fargo Supervisor XXXX XXXX as well as her employee ID # XXXX. When we received a call that our HELOC was late, we were escalated to XXXX XXXX ( supervisor ) who explained to us that Wells Fargo had NOT Processed the payment, through no fault of ours and that no late fees or late notice would be filed - It was purely a Wells Fargo bank error. 

Second misreported late : We have Conformation # XXXX for payment on XX/XX/XXXX Letter of receipt from Wells Fargo saying they received payment with correct full routing number and correct last four of our account number. 
And a Note from my husband speaking with representative, same story, the told my husband that Wells Fargo just did not process. We were contacted by Wells Fargo saying they would look into it. 

Wells Fargo told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank weasel out of taking off this MIS-Reporting because they reported the date THEY PROCESSED, which is after they noticed THEIR mistake. 
Wells Fargo is KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. Please Help Us, 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 2022-02-16
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company popped up on my credit report as me owing them a balance I never incurred. I have no knowledge of this company, nor have I ever done business with them.

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 2020-09-21
Company: CarMax, Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an auto loan with Camax Auto Finance. My account number is XXXX. I filed a complaint last month that while I sent my payments in timely, they were not posted timely and a late payment letter was sent. For that complaint, XXXX XXXX from Carmax responded with the same drivel, that I " enroll '' in their auto deduction plan. 

It has happened again this month. I electronically sent in my payment from my bank to Carmax and it was paid to them on XXXX XXXX, 2020. The payment was due XX/XX/2020 and there is a 10-day grace period. Today, on XXXX XXXX, 2020, I received a letter from them dated XXXX XXXX, 2020, that I have not made my payment, that this may be reported to credit bureaus, and that the payment I now owe includes a {$15.00} late charge. 

I DO NOT WANT TO ENROLL IN THEIR AUTOPAYMENT PLAN. I HAVE NEVER BEEN LATE WITH A PAYMENT. I WANT THIS XXXX TO STOP AND ASK THAT YOU DO SOMETHING TO HELP ME RESOLVE THIS ISSUE WITH THIS SHAM COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: AMERICAN HONDA FINANCE CORP
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 information incorrect

Complaint:
American Honda Finance received my XX/XX/2021 auto loan payment on XXXX XXXX, 2021 ( due date XXXX XXXX, 2021 ). However, XXXX misapplied my payment to the wrong account of a related family member. I received a collection call from XXXX when the account went 30 days past due. I requested XXXX to correct the misapplied payment, which they did. However, they did not reflect the true payment date of XXXX XXXX. 
My credit history on XXXX and XXXX reflects a 30-day delinquency, which has significantly impacted my credit score unfairly as the payment was received before it was due, which tells me that XXXX has not correctly reported my account history to the credit bureau agencies .

I have attached a screen shot of my payment history from my American Honda Finance account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02
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: Account information incorrect

Complaint:
I have an account with XXXX XXXX XXXX XXXX that was awarded to my wife in our divorce on XX/XX/2014. I notified the bank and they were suppose to stop reporting on my credit report as I was no longer responsible for the account. They continue to report this account as a charge off since my ex wife let the account go. She original owed {$7200.00} she paid about {$770.00} because now the balance is {$6400.00}. I have n idea if this balance is accurate as I have no contact with my ex wife.I have written to all three bureau several times asking for the removal of this account and have even provided a copy of my divorce decree for them.

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 2021-01-25
Company: EQUIFAX, 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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed. I will call my lawyer ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
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: Account status incorrect

Complaint:
This account no longer belongs to my credit report because it is removed from my credit report, it was an account as an authorized user and I am no longer one.

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 2018-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I called about unknown hard inquiries on my credit report cause I was a victim of there inquiry issue they had a couple months ago. When I spoke to customer service he said I was not a victim and he could not take them off my report. These are the unknown items that are listed XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and 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 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Dear XXXX/TransUnion/ XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

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 2020-09-21
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:
On XX/XX/XXXX and again on XX/XX/XXXX there were request for a credit card fir a XXXX XXXX XXXX application. In XX/XX/XXXX I looked at my Experian credit report to find out where I stood to get a home loan and saw these hard inquiries. These inquiries affected my credit score in addition to putting too many inquiries on my report and affecting my ability to get a home loan. I filed a dispute, to no avail. I emailed, called and was finally told I had to contact XXXX. I contacted XXXX and they refused to remove or investigate the inquiries. I finally threatened to take legal action before XXXX would investigate and send a letter to Experian to remove the inquiries. Again, Experian has not removed the inquiries. I sent a copy of the letter from XXXX to Experian and to date ( XX/XX/XXXX ) these inquiries have not been removed. It has been 9 months dealing with this. I lost 2 homes that I could afford to buy because Experian and XXXX refused to act in a timely manner. My life, reputation and credit scores have been negatively affected. These companies hold my life in their hands and should be held accountable. It has been impossible to get a phone number to talk to Experian and when you leave a message, they do not return calls or respond live chat, emails or texts that they give as contacts.

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 2023-01-21
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:
The accounts below are closed and PAID. They are reporting on my credit report and I want them DELETED. I dont owe any money on these accounts and they are reporting negative on my credit report and I want these accounts removed and DELETED. Also, they are not reporting on my XXXX or XXXX. 

XXXX ACCT # XXXX Highest Balance : {$2200.00} Balance : {$0.00} XXXXT ACCT # XXXX Highest Balance : {$3500.00} Balance Owed : {$0.00} XXXX ACCT XXXX XXXX Highest Balance : {$6000.00} Balance Owed : {$0.00} XXXX ACCT # XXXX Highest Balance : {$3500.00} Balance Owed : {$0.00} XXXX  ACCT # XXXX Highest Balance : {$6000.00} Balance Owed : {$0.00} XXXX ACCT # XXXX**** Highest Balance : {$1700.00} Balance Owed : {$0.00} XXXX ACCT # XXXX Highest Balance XXXX {$3000.00} Balance Owed : {$0.00} XXXX ACCT # XXXX Highest Balance : {$6000.00} Balance Owed : {$0.00} XXXX ACCT # XXXX Highest Balance : {$3500.00} Balance Owed : {$0.00}

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end 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 non-monetary relief
Consumer complaint received 2022-02-15
Company: Amsher Collection Services, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Previously reported Amsher Collections and XXXX for potential violations pf the Fair Credit Reporting Act. Today I received an alert that my SSN was sold on the dark web via a XXXX breach. This is the first time anything like this has ever happened and I find the timing very suspect.

In response to amshers note on my previous complaint : I need a dated letter signed by your representative explaining that this will be removed from my credit with all credit bureaus within 5 business days of receipt of funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any others adverse item of information, other than records of conviction of crimes which antedates the report by more than seven year. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2020-12-06
Company: Mutual Management Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing this letter to complain about the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX and the collection agency shot the inaccurate balance that they reported on my credit profile. The collection agency is Mutual Management Services located at XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Fl XXXX. 

I rented at XXXX XXXX XXXX XXXX from XX/XX/XXXX, XXXX XXXX, 2020. On XX/XX/XXXX, I moved out of the unit. At the scheduled inspection time, which was suppose to be XXXX that morning, but couldnt be completed because the unit was not yet empty. The assistant property manager, XXXX, in the presence of myself and the maintenance person, told me that I could leave the unit key on the counter after move out because they would be closing at XXXX and closed the following day, which was Saturday they would complete the move out inspection with me. I sent an email to XXXX stated that I had left the unit and the keys were on the counter as discussed earlier. The move out inspection never happened. I reached out to the manager multiple times by phone and email regarding this matter and the final balance. Theyre excuse was they have been very busy and I would receive my final balance statement via certified mail. 30 days after the move out. I received my move out balance. You did not provide a full and specific statement of alleged damages and repair costs within 21 days of when I moved out. You only provided estimates of repair costs. Under a court case called Goodwill v. Madison Real Estate, these estimates are not good enough. You did not comply with the law. The management team had taken my {$500.00} deposit and charged me for alleged damages to the unit. Per emails with XXXX, the general cleaning fee is {$120.00} the carpet cleaning fee is {$80.00} and the painting was cost was not specified. Per XXXX, we will need to complete the inspection to determine if the unit needs any kind of paint. However, I did agree to pay for the cleaning out of the {$500.00} deposit. Once I responded to the inaccuracies, the manager then wrote back with additional charges resulting in a higher balance and stated that the case is closed and I needed not to respond. Then on XX/XX/2020, I was notified by a credit bureau XXXX  that I have a new collection for the amount of {$760.00}. The company owes me the remaining balance of my deposit which is {$270.00} after the cleaning fees were deducted. I am not responsible for the following alleged damages because there was no damage ; there was only normal wear and tear to the paint and to the carpet. The company also claims that I never provided a new mailing address which was provided on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had a contract with this company and they put this debit on my credit then took it off after dispute before then added it back again without verifying the debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: CAINE & WEINER COMPANY, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sold a medical device to XXXX XXXX via XXXX. 
She requested a refund claiming the item no longer works. 
Her request was past the 30 days allowed for a refund. 
The item worked as shown in the photo the day I posted it and sent it. 
It was rarely used, pristine. A medical device prescribed by my doctor for my XXXX. Never were any drugs used in it. Only one nutrient was ever nebulized in the machine. 

If I trusted her I would just do a refund once the item was returned. 
However, claiming she had no money, she kept talking me down in price. 
THEN, once we agreed on a price she immediately asked me if I had anymore! 
I became suspicious that she uses these things for parts. 
I saw parts from these nebulizers sold for quite a bit on XXXX. 

XXXX repeatedly tells me I do not have to refund her. 
PAYPAL will not listen. PAYPAL takes XXXX XXXX 'S side on this. 
They are sending this to COLLECTIONS and adding a {$20.00} fee to this incident. 

I do not understand how they can so unfairly try to force me to provide a refund when the XXXX policy says no refunds after 30 days. 

Oh and at some point in one of numerous conversations with PAYPAL they accused me of costing them hundreds of dollars due to this transaction. 


XX/XX/XXXX Fee reversal from PayPal Completed {$2.00} XXXX XX/XX/XXXX Transfer to Bank Account Completed - {$71.00} XXXX XX/XX/XXXX Payment from XXXX XXXX Completed {$74.00} USD

Company response to consumer: Closed with non-monetary relief