BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
Company: WELLS FARGO & COMPANY
State: NV
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: Problem with personal statement of dispute

Complaint:
On XX/XX/21 I sent WELLS FARGO AUTO a Debt Validation Letter, Cease & Desist Letter, and a Affidavit of Truth which was sent Certified Mail with a receipt. Still No response until I made a complaint to the CFPB. However ANY Affidavit according to law, not rebutted line by line is deemed True. I sent out another on XX/XX/21 Certified Mail, letting them know they did not respond in a timely manner. They have violated Federal Law by not providing viable evidence of a contract bearing my signature. The account today is still showing on my consumer profile and it reporting inaccurately. According to the FCRA any unverified items reporting negatively has to be removed. This institution keeps reporting my information as updated. OnXX/XX/21I spoke to XXXX  from XXXX  in the Fraud Department. He was very rude and as I stated to him pursuant to 15 USC 1692 I do not owe any debt because I am a protected consumer and I'm not obligated to pay. I do not owe any debt pursuant to 15 USC 1602 ( o ). I do not owe that debt attached to that account pursuant to 18 USC 8 the debt belong to Social Security Administration. I do not own any debt attached to that account. I also explained that these companies can not validate any debt. To validate a debt is to access an action. I am the administered agent and the only person who can validate the debt, and the debt ISNT MINE!!!!! 

He then proceeded to cut me off and tell me that XXXX  does not have the ability to delete items right away. Which pursuant to 15 USC 1681i ( 5 ) they can delete it. They are completely lying and its unfair to the consumer. He proceeds to say, It has to go through the necessary process ( DISPUTE ). I have expressed I have disputed these items over a period of months. Not only are they in violation of 15 USC 1681b they have continued to Defame my Character which is a Violation of a consumers right to Privacy 15 USC 1681a ( 4 ). After so many attempts to settle this situation I am seeking remedy under15 USC 1681n. I would like the accounts to report pain in a XXXX balance due to the accounts being unverified 15 USC 1681i ( 5 ) and deleted off my report. Also I have attached a Response Letter sent from through the CFBP.

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 2017-09-27
Company: Portage Financial Services Company Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
Total amount of car loan was paid in full ( XXXX ) the company ( portage financial services ) they stated the amount was not accepted. The reasoning was told to me that the payment was to large. I have an email confirmation and also a confirmation of payment from the sigma website saying the payment was accepted. A convinience fee pf XXXX was also paid. The company called me stating i had to bring money to them personally because it was not accepted, but in the website the confirmation shows that it went through. I asked them to send me the statement directly from the bank showinge exactly why the payment was reversed. They claimed they would send me an email i hBe recieved mothing. Everytime i call ro the company to speak to the manager she is always unavailable. I have 2 recorded calls from the manager and also the woman handling my account as well..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO
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 is incorrect

Complaint:
I was notified that that my credit report indicates that I had a payment past 30 reported today. Last month I received a letter from Carrington Mortgage LLC that I did not make my XX/XX/2021 payment. I did make my payment, but Carrington Mortgage incorrectly applied it as a extra principle payment. I called them XX/XX/2021 to get the issue resolved and they told me it would be fixed. Today I received a notice from the credit bureaus that it was report as a late payment. My credit was above 800 and excellent now it's fair and below 800 and I'm in the process of refinancing my other home. Mortgage companies should be held accountable for their mistakes and negative impact it has on consumer 's who have excellent track records in their payments and paying their bills. This whole issue is a direct result is a direct result of their errors and they not taking responsibility for their negative and harmfully actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE DISPUTED THIS CREDITOR AND INQUIRIES THROUGH EQUIFAX. I SENT IN ALL PROPER DOCUMENTATION AND THEY ARE REFUSING TO REMOVE THESE ITEMS FROM MY CREDIT REPORT. I AM ALSO A VICTIM OF INDENTITY THEFT. I FIRST DISPUTED THE ITEM OF {$3900.00} AND INQUIRIES IN XX/XX/2021 AND AGAIN XX/XX/2021. MY DISPUTE WASNT OPENED AND I SENT IN DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: I.Q. DATA INTERNATIONAL, INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted IQ Collections numerous times stating the debt amount owed is incorrect. They ignored my requests to correct the amount of the debt owed. I filed complaints regarding this on numerous occasions Including ( XXXX and XXXX ). I also called the company on XXXX. I then sent an email directly to XXXX ( supervisor within the company ) on XXXX, XXXX, XXXX, andXX/XX/XXXX. All my emails have gone unanswered.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX our mortgage was transferred from XXXX XXXX to NewRez/Shellpoint Mortgage Servicing. Our condo is part of a new condo conversion. There are 3 units. Our mortgage is for unit 2 and we own 34.4 % of the building. The town of XXXX has not re-accessed the property as 3 units yet, therefore they issue one tax bill for the building. The town of  XXXX issued formal instructions advising mortgage companies on how to pay taxes until the town is able to reassess ( percentage ownership x total tax bill ), see attached document. 

NewRez/Shellpoint Mortgage Servicing refuses to pay our taxes because there is only 1 tax bill. However, they continue to take money for taxes and keep it in our escrow account. As of today they are have not paid the last quarters taxes which were due on XXXX XXXX XXXX. The next tax bill is due XX/XX/XXXX. We are at risk of being 2 quarters behind on tax payments because NewRez/Shellpoint Mortgage Servicing will not pay the taxes or release our escrow money to us. 

Further, NewRez/Shellpoint is unorganized and does not have proper systems in place. For example, each quarter we have to call and remind them that taxes are due. And they tell us that they don't have a record of taxes being due. Despite reminding them, they refuse to pay because of the issue mentioned above.

We have spent over 40 hours on the phone with NewRez/Shellpoint Mortgage Servicing trying to solve the issue. Every time we speak, they relay inaccurate information to us and are unable to resolve the issue. They have lied to us about efforts they have taken and quite frankly are incompetent to solve this problem. We then reached out to our investor XXXX XXXX  who has been investigating this for a month, however we are still unable to getNewRez/Shellpoint Mortgage Servicing to pay the taxes. We have exhausted our efforts to resolve this and require outside help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Started with Suntrust bank opening an account with someone with my same name then BB & T opening an account from internet application this all started when suntrust and BB & T merged as truist. 4 years ago i had a car loan with suntrust so it is just to coincidental for me. I want a letter from both banks stating accounts are closed and that someone needs to look into the policys of opening up accounts via internet. easy identity theft and why do they not require a valid photo ID for uploading on the web sites.I thought it was a goverment law you had to show 2 forms of valid IDs for identification.

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 2017-12-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I received a late fee that was supposed to be waived for XXXX and they added another late fee on top of the late fee that was supposed to be adjusted and now they are reporting late to the credit bureau. I also faxed a dispute form for the late fee to be reviewed and adjusted that they have not acknowledged. I 've attempted to talk to them and they refuse to assist and make harassing phone calls to the point I canceled the card. due to they refuse to assist. I 've always paid on time and Im still making payment for the monthly amount due.

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 2017-07-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My account balance with  XXXX    XXXX   was  discharged in a Chapter   XXXX   Case  #  XXXX  filed   XX/XX/XXXX  a nd converted to a Chapter  XXXX   XXXX  file d  XX/XX/XXXX . T o date Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 contacted TranUnion on a few occasion about inquiries made on my account. I did not authorization any of these inquires list below. My first communication with you office was on XX/XX/XXXX via letter, and my second letter to your office was on XX/XX/XXXX. <P/>1 ) XXXX/XXXX XXXX/XXXX/XXXX 2 ) XXXX XXXX 3 ) XXXX/XXXX XX/XX/XXXX 4 ) XXXX/XXXX XX/XX/XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XX/XX/XXXX I have reached out to all the above companies as well letting them know I have not authorize any of these inquiries and these are fraud. I have file a police report as requested by TransUnion and these companies. This is false reporting on your behalf and I am preparing to file a small claims lawsuit against your company due to the FCRA section 61. <P/>I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( XXXX. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking : {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX SSN :  XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues

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 2022-04-29
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
# XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may net treat a payment on a credit card account under an open end 51 consumer credit plan as late for I XXXX XXXX XXXX purpose. 
XXXX XXXX XXXXXXXX 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 2021-12-04
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:
I went to this dealership with my father when he was shopping for a car in 2014. He had some health issues which caused him to pay some of his bills late. It affected his credit of course so the salesperson told him that if i signed on to the loan it would help him get the car. I was told it would not affect my credit because it was only a bank reference. I wasn't sure what that meant exactly but if it wasn't going to affect my credit i was okay with it. A couple of years later i was attempting to sign up for a XXXX account and i was told that it couldn't be done because I had a repossession on my credit report. I called my father who i hadn't spoke to for about 18 months and he told me that his health issues caused the car to get repossessed. I called the dealership to ask why i had this information on my credit and was told that I was put on as a co-signer and it wasn't their problem anymore. I explained what was said to me at the time about it just being a bank reference and they said that, that salesperson didn't work there anymore. I was told to call the finance company if I had a complaint to make. I called the original finance company and they said they sold the debt to the company that holds it now. I tried to come to some agreement with this debt collector but I failed. I don't know what else to do about this.

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 2021-12-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX, Equifax, and XXXX continue to fail to delete the negative information " charge off '' from my credit report despite having documentation from the government supporting my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was refunded {$1300.00} on XX/XX/2020 from XXXX XXXX.. 

The credit card company Capitol One will not credit my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15
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:
To whom it may concern : I have been a victim of identity theft, after checking my credit recently I notices account and collections that do no belong to me, so I was advise to file an FTC report which is attached and a CFPB complaint.

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 2017-09-27
Company: SYNCHRONY FINANCIAL
State: PA
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:
During our application for a first-time mortgate, it came to our attention that I have had several unauthorized hard inquiries to my credit report by SYNCB/XXXX, most recently on XXXX XXXX, 2017. I have never applied for any type of credit through this company, nor have i authorized any type of inquiry.

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 2020-10-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a dispute ( s ) with Equifax regarding accounts reporting on my credit report on XX/XX/2020. Equifax received my dispute letter on XX/XX/2020. On XX/XX/2020, I mailed them a 30 day no response letter. It is now XX/XX/2020 and I still haven't received a response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Experian Information Solutions Inc.
State: WA
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 have repeatedly requested for the past 5 months through credit karma, to have the inaccurate information removed from all the XXXX credit agencies. There is a student loan account that was fraudulently reported to the XXXX credit bureaus and I have never received any response from any of the XXXX agencies. A month ago, I paid that fraudulent account off around {$1700.00}, because I was being harassed by creditors and also wanted to improve my credit score. I want my money back. The weirdest thing has been happening : rather than my credit score going up, it has gone down, despite my positive history and me making good money. One credit card even decreased my credit limit by more than half despite making payments on time and being approved for no interest for 2 years. I also have XXXX unauthorized hard inquiries. Today, before I am writing this complaint, I have been trying to dispute those inaccuracies and I am not even allowed to do so. My credit score is all over and it just doesn't make sense. 
This fraudulent recorded information has caused tremendous hardship for my family as my children were unable to get federal financial aid because of my school " default ''. I am also unable to refinance my car loans. 
I have worked very hard trying to improve my credit score after I got out of school and really appreciate your help regarding this matter.

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 2021-12-04
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT 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