BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: Allied Collection Services, Inc. (Nevada)
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Attached is the ACSI response to this collection. as u can see by their documents provided there is two different bills with two different amounts owed. Furthermore, this dept is in violation of HIPPA and also against my FDCPA rights. As shown in the two different bills under procedure descriptions a detailed list of what was done medically also to what XXXX and that is a violation of HIPPA. 

Also, the page showing acknowledgment of receipt of dental materials fact sheet & brident notice of privacy practice neither of the boxes are checked there for documents required to be provided by hippa law were not provided. 

also all the documents provided have discrepancies in the name. I am XXXX XXXX XXXX XXXX. 

The document each show a different name : XXXX XXXX or XXXX XXXX XXXXXXXX Furthermore, as seen in the provided Texas ID the signature does not match any signature provided on any of the documents provided. 

Lastly the bill also states XXXX XXXX, XXXX, XXXX yet the creditor listed is XXXX XXXX and XXXX XXXX  is not listed on any of the documents provided. 

I request that this be removed from all credit reports since it is a violation of my HIPPA rights and FDCPA rights. Also, since the credit reporting company 's documents provided all have discrepancies. 

All discrepancies are Highlighted in yellow.

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 2023-01-28
Company: Northstar Location Services, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2023 I was contacted by an employee of XXXX XXXX. I was told that I owed a debt I had no knowledge of and that if I didn't pay that I would have my consumer report riddled with false information. I was threatened harassed and told various times it was an attempt to collect a debt. From understanding of XXXX XXXX XXXX a debt collector XXXX not state that the consumer owes any debt along with contract me for anything other than to confirm location information. There where several other violations that occurred on the phone at the time of the call which I have listed in the attached documents along with an invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Early Warning Services, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer REPORTING agencies which is XXXX, XXXX and transunion did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights.

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 2023-06-27
Company: Dovenmuehle Mortgage, Inc.
State: ND
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The loss mitigation company is dragging out the process to resolve the issue. I know they will assign someone to go through and look at their logs to confirm everything so I'm not going to waste my time entering dates in detail. On XX/XX/ they said it would be 30 business days to get the final loan paperwork to us for the modification. The week prior to XXXX XXXX, they said documents would be sent on the XXXX, however, I called back around the XXXX and they had not. They just make excuses that it's being processed and it takes longer some time. As they have the entire time when waiting on them. Now I'm making payments through their automated payment method and it's costing me money waiting on them. I can't make a payment through my bank because it doesn't reflect in the system. I can't mail a payment because I don't trust it will make it. Dovenmuhle has sent time-sensitive documents that show up well after the action date on the document. I just want them to get it done, and move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, 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:
Account number XXXX Balance XXXX Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. Account number XXXX XXXX {$310.00} Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. XXXX XXXX XXXX Account number XXXX Balance {$4800.00} Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. XXXX XXXX Account number XXXX XXXX {$500.00} DAte XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. Address XXXX XXXX XXXX XXXX XXXX TX XXXX This address is not associated with me. I have provided the police report and the FTC Complaint and the account still remains on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$1400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX XXXX Balance : {$9200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a request for an investigation into my credit report, which I believe contains inaccurate information that is severely impacting my financial and emotional well-being. I have already notified XXXX and XXXX credit bureaus about the inaccuracies, and they have taken steps to remove them. However, I have noticed that this information is still present on the credit report you have provided me. I am seeking your assistance in investigating and removing the following inaccurate items from my credit report : XXXX/XXXX  XXXX. Also, I do not agree to electronic communication. I request that all correspondences be provided in written form through the United States Postal Service ( USPS ). I am the individual submitting this complaint, and I hereby grant the Consumer Financial Protection Bureau ( CFPB ) the authority to conduct an investigation into this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 
In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: LA
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly.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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to you today to address concerns regarding my credit report and request rectifications in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681b, 15 USC 1681c-1, and 15 USC 1681c-2 .

Pursuant to 15 USC 1681b - Permissible purposes of consumer reports, I would like to assert my rights to an accurate and up-to-date credit report. The FCRA stipulates that consumer reporting agencies, like yourselves, must ensure the accuracy of the information they provide. I have reviewed my credit report, and I believe that there are inaccuracies and discrepancies that need immediate attention.

Additionally, I wish to invoke 15 USC 1681c-1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts, and 15 USC 1681c-2 - Block of information resulting from identity theft. I believe that my personal information may have been compromised, leading to fraudulent activity on my credit report. To protect my credit profile and financial well-being, I have placed fraud alerts and actively monitored my accounts for any signs of identity theft. These actions have been taken in compliance with the FCRA, and I expect your cooperation in rectifying the inaccuracies stemming from any fraudulent activities. 

Furthermore, 15 USC 1681c-2 provides me with the right to request the blocking of information resulting from identity theft. As a victim of identity theft, I hereby request that you block any information on my credit report that has resulted from this criminal activity. It is crucial to my financial stability that these discrepancies are removed promptly. 

In light of the above, I kindly request that you investigate the inaccuracies on my credit report and take the necessary steps to rectify them as per the FCRA. I believe that once these issues are resolved, my credit report should reflect an above-excellent standing on all accounts, as it should accurately represent my creditworthiness and financial history. 

I understand that the FCRA requires consumer reporting agencies to investigate and respond to consumer disputes within a reasonable time frame. I request that you adhere to these legal obligations and provide me with written documentation of any actions taken in response to this request. 

Please acknowledge receipt of this letter and begin the investigation process as soon as possible. You may contact me at XXXX or XXXX for any further information or clarification you may require. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute in accordance with federal law to ensure the accuracy and integrity of my credit report. 

Sincerely, XXXX ; XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, 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:
I have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to XXXX, XXXX and Equifax back in XXXX of 2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Drivers license and social.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Violation of 15 U.S.C 1681A subsection ( i ) as well as 15 U.S.C 1681b subsection 3A violation of permissible purpose. I Sent request through certified mail for a copy of the original contact as well as with authorization to furnish and obtain private source data information from a third party and the only thing that was returned was a alleged billing statements which is not what was. Requested

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 2023-02-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home flooded due to XXXX XXXX on XX/XX/22. We had flood insurance. It took us XXXX months to get a settlement from our flood insurance. XXXX check is written out to us the home owners and Wells Fargo who holds our mortgage. Wells Fargo 's process in order to get the largest check deposited requires us physically mailing a check to their location in XXXX XXXX. We are quite hesitant to do this as we do not want to risk having the check lost in the mail and request a new check from our insurance company as that was a lengthy process already. We have already come out of pocket to repair our home thus far, we have never been late on our mortgage payments, we have multiple accounts with Wells Fargo some accounts being over XXXX XXXX XXXX. We requested to have the process expedited to not require the mailing of the check, but were told that was denied by an executive team with no explanation of why. Our only option to not risk mailing the check is to continue paying out of pocket, so an inspector from Wells Fargo considers our home 75 % repaired and they will endorse the check at a local branch. This is unacceptable, especially when we do not consider ourselves a financial risk to Wells Fargo. I want an explanation on why they will not endorse our check and allow us to deposit it so we can continue to complete our repairs. Wells Fargo created a process that hurts those who have already dealt with so much from a natural disaster and has no humanity in assisting us when we have been good customers of theirs. All we want is to complete repairing our home and continue on with our lives.

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 2023-05-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have received my Chex systems report and it contains inaccurate and fraudulent information on my credit report I have received my affidavit from FTC.GOV which will be included. this account is not mine and its verifying information is inaccurate. I have noticed the Chex systems have a variety of addresses and phone numbers which are also not mine, which are also Listed in the 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 explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$23000.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX Inquired on XX/XX/2XXXX XXXX XXXXXXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX Balance : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : -

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