BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-03
Company: Amsher Collection Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never knew about a collection debt owed to AmSher Collections agency. I have never received a letter from this agency verifying that I have owed a debt to them. On XX/XX/XXXX, AmSher reported to all 3 credit bureaus that {$150.00} needed to be paid. When looking at the details on XXXX XXXX it stated that an account on their end was created on XX/XX/XXXX. This debt is supposedly related to internet equipment not being returned to XXXX from XX/XX/XXXX. I have never received any mail sent from this agency verifying this debt to me. Once finding this out I called AmSher asking for a validation letter on multiple occasions. On XX/XX/XXXX, I called Amsher and spoke to there representative XXXX. The representative stated that they did send out a letter to my address. I told the representative I never received anything but representative repeatedly stated that I overlooked my mail and threw it out like most people who don't want to pay their bills. She was mean and honestly rude. I then asked the representative what address they have on file. The agency had parts of the current address in which more information needed to have the correct address to send anything. If you don't have the correct address information how could I have possibly received a letter from them? I updated the address to my current location so a new letter could be sent. XXXX the representative stated she had to ask her manager if this was ok for a validation letter to be sent out. The representative said that the manager said it was ok and that they will be sending one out to me. Three weeks later I still haven't received anything verifying this debt even after calling a few times. These representatives don't write down notes so the next representative can know updated information. I continued to ask the representative more about my supposed account. XXXX the representative told me that the agency had this debt before XX/XX/XXXX, lingering in their office waiting for a response from me. Like I have repeated above I have never received anything from this agency. This agency knew about this debt long before it was reported to the credit bureaus and allowed it to not be paid or communicated to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The name on my experience credit report is incorrect. I have told the credit bureau to fix it,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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'm grateful for the steps taken by the credit bureaus in clearing out all the past unauthorized inquiries from my credit history. Nevertheless, there's still XXXX issue lingering on my Experian Credit Report. I've come across this troublesome inquiry that appeared in my aforementioned credit report. Once again, I'm requesting Experian to remove this particular inquiry : EXPERIAN : XXXX XX/XX/2023

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 2023-04-20
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 had a hard inquiry fromXXXX on my XXXX report removed. This inquiry was from XX/XX/2022 which was associated with the fraudulent account that was opened up in my name. This account was never mines.XXXX.removed the hard inquiry that was fraudulent. It makes no sense that they didn't remove the account associated with the inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
XXXX XXXX XXXX has been on my report still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

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 2023-01-07
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 instructions 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2020-08-03
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This credit card account was paid in full in XX/XX/XXXX in the amount of {$410.00}. On XX/XX/XXXX I unexpectedly had too file a Chapter XXXX Bankruptcy petition and this account had to be included according to my attorney. We later realized that payment has never processed to Wells Fargo for my credit card so the balance was included in my debt consolidation for the next 3-5 years. On XX/XX/XXXX In received notification that Wells Fargo has reported the status of this account as a " charge off/ bad debt '' which resulted in a major decrease in my credit score. According to my Semi-Annual Report from the Chapter XXXX Trustee, the current balance now owed to Wells Fargo is {$22.00}. The amount reported is incorrect and the status and description of the account are completely INACCURATE.I am requesting that this account is deleted or updated.

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 2023-08-18
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:
This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXXXXXX 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 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 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 2023-01-07
Company: EQUIFAX, INC.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Have violated my rights. 
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 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 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 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 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 The address of XXXX XXXX XXXX XXXX has no affiliation within myself I also have never been employed by a company called XXXX and this is also reporting inaccurate. 




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 instructions 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have had my federally protected consumer rights violated by EQUIFAX on numerous occasions. According to to 15 U.S. Code 1681b - permissable purposes, nothing should be furnished on my credit report without my written consent, I have compiled and EXHIBIT to show the violations done to my credit report and have attached an invoice for the actual damages done. EQUIFAX has violated 15 U.S. Code 1692e as well, by using false and misleading characters and statements. I have not been able to extend credit or qualify for a loan. They have caused me financial harm willfully and negligently. I have also included XXXX notarized affidavits, one which is an affidavit of truth I have sent in the past. By law if the affidavit of truth has not been rebutted line by line then it stands as truth, so why are these negative accounts still on my credit report? Provide my signature in wet, blue ink, signed by my hand as stated in the affidavit of demand for verification ACCOUNTS : XXXX XXXX XXXXXXXX - {$9000.00} XXXX - {$6300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced our mortgage with a closing date of XX/XX/26. Prior to close we received notice that servicing would transfer from XXXX to PHH Mortgage on XXXX. The payoff statement compiled by XXXX was for a payoff on XXXX to account for this. We closed on XX/XX/26. Funding of the loan occurred XXXX and a check was sent to XXXX ( per XXXX instruction ) by the closing attorney. XXXX received this on XXXX and turned around and sent to PHH. It has been confirmed that PHH received the envelope from XXXX on XXXX ( the payoff date that was calculated for my closing ). Never seeing that my loan was paid off I started to contact PHH about this. Finally after several weeks of contacting them they claim to have lost the payoff check and to cancel the check and wire the funds ( which I had suggested weeks earlier ). Last week the closing attorney wired the XXXX payoff funds to PHH and PHH has confirmed receipt, however, they claim that they payoff funds are short since PHH has been accruing interest since XXXX, the date they received and subsequently lost the original pay off check. I have complained there should not be any extra interest since they lost the check in the first place and so some group at PHH is looking into it. When I look online, PHH still shows that no payment has been made and my full balance is outstanding. When I called, they again said the payoff was short and that they can not apply the funds in any way until the issue with the interest is resolved, which last week I was told could take 20 days. They also would not say that they would not report me as delinquent when the 60 day grace period is over in a couple days. I fully expect it will take the full 20 days to hear back from them and in a couple of days that my excellent credit score is going to be ruined, and that PHH will start charging me delinquent fees for non-payment, even though they have several XXXX XXXX dollars in their account from my payoff. You cant get a hold of the person you are working with and they dont return calls when you leave messages. Trying to get an email sent to you will take 2-3 business days as our system is only set up for internal emails. It is all a scam to delay, delay, delay so they can continue to accrue interest/fees. They are a terrible company. Given that the consumer has no say in who the servicer is, being forced to deal with them has been a nightmare and they should not be allowed to service mortgages at all. Just check any review of them. I am beyond livid that there is no one legally responsible for making sure a refi loan is paid off and that I spend hours trying to get someone at PHH to handle this. They are absolutely the worst servicer I have ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
An accordance with the fair credit reporting act. ( XXXX XXXX ) ( Acct # XXXX ) has violated my rights. 15usc1681 section 602a states I have the right to privacy. Also 15usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I brought a cashier check at Wells Fargo located at XXXX XXXX XXXX XXXX, XXXX, Fl XXXX on XX/XX/2023 for the amount of XXXX $ pay to a specific company. However the check was cashed on XX/XX/2023. The payee has not received it in their account. I went back to the branch for the copy of the check that has been cashed out. There was no endorsement at the back and I was told you could cash out a check without an endorsement using the app! The banker XXXX XXXX and another XXXX man were laughing regarding my questions about getting my money back since the bank paid to someone who is not the payee on the check. It was not to my awareness that anybody could cash a cashier check without an endorsement even the person is not the payee on the check. It is the bank responsibility to ensure that the fund is deposited only to the person payable to. The person I wanted to pay has confirmed that the check was not received and that it was not in the account and would like to confirm the last 4 account number that the check was deposited to but the bankers said they can not release that information until the claim department takes the case. It would take 10-30 business days. There is something wrong with the way the bank handle business. The cashier check should be the safest way where one can used to make a payment as it is drawn from the banks fund and it should know whether it was deposited to the payee correctly or not. I was told fraud is minimal using cashier check. The bankers asked me why I dont wire transfer or pay other methods instead of using the cashier check. The mistake is on the bank as they allowed the fund to be released even with no endorsement and the bank should be responsible in restoring my money back as they did not pay to the specific person I addressed on the check. If all the banks in US works this way then it is no point to mention on the check whom to payable to as anybody can cash the check using the app. The bank app must have a validation process to ensure that the check is deposited to the correct person. I hope you would look into this issue otherwise it would promote more check fraudulent activities in this country.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On the first of XXXX ( and actually a few more months before than ) I have been disputing the inaccurate reporting and findings on my report that arent mine and that are not 100 % accurate by FDCPA and FCRA regulations. The accounts that are reporting inaccurately are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-01
Company: AC AutoPay LLC, Denver, CO Branch
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
I contacted the company multiple times. In hope, they will fix the situation for about half a month, They have been giving me the same response that a supervisor will call me in 2-3 days. I have no information and no one has helped me from the company be able to solve this solution.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mr. Cooper continues to decline my retention request, even though I can afford the current payment and would like to stay in my home. 
In addition, Mr. Cooper used the incorrect property valuation and refused to review my income, all factors in their denial of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They called on XX/XX/XXXX @ XXXX ( PST ) They called on XX/XX/XXXX @ XXXX ( PST ) They called XX/XX/XXXX @ XXXX ( PST ) I asked them to identify themselves if they are a collection agency, they refuse EVERY TIME. 
They request for me to submit my SS #, DOB, and address before continuing to answer my questions. They respond by saying that they have a serious business matter to discuss. 
I tell them that I NEVER give my personal info over the phone, and I tell them that I NEVER WISH TO BE CONTACTED BY PHONE by their company ever again. I also mention that I am registered under the National Do-Not-Call Registry, and they laugh and continue to ask my personal information. 
Either way, they are either violating the FDCPA or CFPB regs. Please help with this harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation