BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2023. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
PLEASE DELETE THIS FRAUDULENT ITEM : 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 2022-06-14
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX : Account # XXXX, has violated my rights. This company continues to report a XXXX day late payment to Experian and XXXX from XXXX of XXXX 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 instructions of the consumer to whom it relates. 

I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 



I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto 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 explanation
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Spoke to XXXX XXXX from Well Fargo her number is XXXX. This is still unresolved. Wells Fargo is not taking accountability for losing our documents after providing us with a return label for shipment. Luckily we had copies of all the documents and provided it to them in reference to the case. If it wasn't for our copies provided to them they would have no record of our documents being returned with personal information. We were never told our paperwork wasn't received. Our point of contact continue to push back the deadline because of the state our country was in with Covid. After not hearing from Wells Fargo, we reached out to see the status of our loan modification. That's when we were told they never received our paperwork. We are basically being called liars and being told we created the return label ourselves. They created the return label and had the tracking number and were able to trace it to a XXXX XXXX in California. If they didn't provide the label then how did they track it?! Then conveniently they sold our mortgage.

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 2021-07-09
Company: Bay Area Receivables, Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX while signing the closing documents to refinance my home, I was provided with copies of my credit report from the 3 major credit bureaus. On the XXXX  report I noticed that it stated I had an account in collections. After closing, I immediately went to XXXX and requested a copy of my credit report from XXXX. On the report, I saw that I had been placed in collections for {$86.00} by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, United States ) with a debt collection agency Bay Area Receivables INC ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX ). Since I had never been notified by XXXX XXXX XXXX or the debt collection agency of any outstanding balance, I immediately phoned the collection agency at the number listed on the credit report, XXXX. I spoke with a representative and advised that I had never received any notification of the debt, so I was upset that it had been reported to a credit bureau. He advised that a letter was mailed to me in XX/XX/2020 to my home address. I advised that I never received that letter. I requested that they resend the original letter and / or verification of the debt. He refused to do so and said that I had chosen to either ignore the letter or that I had misplaced it. I advised again that I had never received the letter. Further on in the conversation, he advised that the original debt was for {$250.00} and that my insurance had paid {$160.00} and the remaining balance was {$85.00}. This immediately concerned me, as that information was totally incorrect. I informed him that I was the one that had paid the {$160.00} out of pocket and that per my XXXX XXXX XXXX website account, there was no outstanding balance against the original debt from XXXX XXXX, as the insurance plan discount was {$85.00}. He asked that I email him this information, and I said I would not do so without some verification of the debt in writing and asked multiple times for him to resend me a copy of the original letter they claim to have mailed to me. Each time he refused and said that I had only 30 days from the date of the original letter to ask for verification of the debt or dispute the debt. I have attached a copy of the medical claim made with XXXX XXXX XXXX verifying the above stated amounts. In addition, I am also attaching a file downloaded from my HSA account website showing all of my transaction, on row 63 you can see that I paid the {$160.00} on XXXX on transaction number XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: CT
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: Was not notified of investigation status or results

Complaint:
I have sent out NUMEROUS letters to the XXXX Credit Bureaus. XXXX, Experian XXXX XXXX, ALL DATES OF MAILING ARE ON THE LETTERS. After waiting months upon months, I have not heard from nor gotten ANY RESPONSE, in ANY FORM. I have sent letters I have called and have waited MANY MONTHS. I need ALL INACCURATE information removed from my credit report. They have failed in every way possible of servicing me as a consumer and I am losing all faith in the credit reporting process. I will be reaching out to a consumer protection agency very soon and plan on taking these agencies to court if my investigations are not completed! I want all of my accounts that have FRAUD RELATED PAYMENT HISTORY, UPDATED AND REVERSE TO ON TIME OR PAID AS AGREED & I ALSO WANT THESE FRAUD COLLECTIONS ON MY CREDIT REPORT REMOVED IMMEDIATELY! I was never notified about these accounts nor have the accounts been updated to currently in dispute. I have someone else 's information reporting on my file and nothing has been done to ensure my report is 100 % accurate or factual which is against the law! This is unconstitutional and a Grave violation of my consumer rights! I am a natural person and know my rights my attached letters will prove these claims! 

XXXX : XX/XX/2023 Experian : XX/XX/2023 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 non-monetary relief
Consumer complaint received 2016-11-10
Company: NATIONSTAR MORTGAGE LLC
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to hospitalizations and loss of income due to time off our mortgage payments fell behind. We never received a demand letter. I called on XX/XX/XXXX to find out about our options since they would not take a partial payment. I was told I would need to pay {$3100.00} in full and no partial payment would be accepted. I was advised to apply for the Mortgage modification assistance and Nationstar representative would email me the forms. I was also informed that if I applied for this it would put the foreclosure on hold until a decision was made. I did not receive the forms, my husband XXXX called back in later on XX/XX/2016 and requested them again. We did not receive them so I called back in on XX/XX/2016 again was told they would email them to me and I never received them. I went out to the website and found the forms and sent them on XX/XX/2016, however, it was not all of the forms needed since I was just guessing since the representatives never sent them. I called Nationstar again on XX/XX/2016 because I received a letter from an attorney about the foreclosure. I was assured that nothing had been done with it yet since we did n't have a foreclosure date yet. I also verified the forms needed and the minimum payment they would accept as {$3100.00}. I resent all forms and documentation again on XX/XX/2016. XXXX called to try and make the payment of {$3100.00} on XX/XX/2016 as well and was told that now the minimum would be close to {$5500.00} due to additional payment and fees including {$850.00} of legal fees. XXXX called the attorney and they said they have not billed Nationstar for any charges yet since they have not done anything with the paperwork yet. I called Nationstar back and explained that in all XXXX of my phone calls I very clearly asked repeatedly to verify the minimum payment of {$3100.00} and to verify that once these forms were submitted for the modification the foreclosure processes would be put on hold. The supervisor I spoke to said there was nothing they could do and it will take XXXX days to listen to the phone calls, but it does n't change the fact that the new minimum payment as of XX/XX/2016 is {$5500.00}. I am frustrated that we have made several attempts to make payment and they refused and did not inform us that the amount was almost {$2200.00} more than what we were told on several occasions. They will not accept my payment and more legal fees could be added daily. The representative I spoke to on XX/XX/XXXX also refused to give me any information on filing a complaint due to unfair banking practices. I am hoping this is the correct agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
All inquiries from XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not factual and do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
Wrong names reported as mine are included. 3 last ones appearing on TransUnion ARE NOT MINE ... NEVER DID BUSINESS WITH THESE 3 NAMES appearing last on the line of Names Reported. 
A MISSING ADDRESS IN XXXX XXXX. AN ADDRESS WITH A TYPO ( ASSUMING ) WITH WRONG APARTMENT NUMBER INSTEAD OF XXXX, TYPED XXXX. IT APPEARS ONCE WITH XXXX, THEN AGAIN SAME ADDRESS TYPED XXXX XXXX. The address on XXXX should be reported with calendar year 1994.

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 2023-02-09
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: Account status incorrect

Complaint:
I write to demand that XXXX XXXX  investigate and respond to every complaint that I may make to the CFPB as filing false, misleading, inaccurate responses especially those to close XXXX XXXX investigations through concealment us a very serious matter much worse than willful FCRA violations. I complained to the CFPB that XXXX XXXX  was in willful violation of the FCRA by refusing to promptly report my 2 accounts as closed. Subsequently, based on newly discovered data about XXXX XXXX  reporting my 2 accounts as OPEN to Equifax on XX/XX/2023, I filed another good faith complaint with the CFPB due to remedy the Facially False Data from continuing to appear. To avoid responding to my new complaint with pertinent information, XXXX XXXX  summarily closed my second complaint XXXX XXXX to avoid response, to conceal the facts or avoid investigation. On XX/XX/2023, XXXX XXXX  mailed me the attached letter stating that it reported my accounts as closed. However, that is false as it reported my accounts to Equifax as XXXX on XX/XX/2023. The truth matters!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked for verifiable proof that the debt was mine and have not been given that. This debt was the cause of Identity Theft. I disputed early part of 2019, please help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Credit bureaus stated Account Name XXXX XXXX XXXX  & Account # XXXX properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these agencies written permission to furnish these accounts on my credit report as well

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX  XXXX Balance : {$4400.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$370.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX  XXXX Balance : {$770.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2022-03-19
Company: Experian Information Solutions Inc.
State: VA
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: Was not notified of investigation status or results

Complaint:
Experian has elected to completely ignore my request to certify that they have complied with XXXX XXXX - XXXX XXXX. If an account is modified or deleted, carbon copies are sent to each CRA with whom the XXXX has a reporting relationship : XXXX Compliance mandates that carbon copies ( Carbon Copies!! ) be sent out. Also, the regulation says that simply sending carbon copies to the other bureaus is not sufficient. They are required to send carbon copies to ALL the places they have reporting relationships with that they have shared that reporting with. This DOES NOT mean just for that one bureau, or for just the main 3 bureaus, but ANY data furnisher they do business with in regard to this client. This fact alone makes it virtually impossible to comply with XXXX reporting standards. Even providing that the XXXX has carbon copies, how would they construct hundreds of them for each individual that disputes or challenges an item on their credit profile? 

Before I pursue a claim in Small Claims Court, I'm giving Experian one last time to certify that removal of the following accounts was shared with XXXX and XXXX : XXXX XXXX XXXX XXXX I specifically asked for this in Complaint # XXXX, filed on XX/XX/2022, and that case was closed without responding to this specific regulatory requirement.

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 2022-02-18
Company: T.S. Holdings
State: GA
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:
XX/XX/XXXX, my husband and I applied for an apartment with the XXXX  XXXX XXXX. We paid our fees and awaited for a response. I called 3 days later, with no update. The next day, I called and was told that my my husband and I were denied. We did not have any derogatory information on our credit and our credit was much higher than the credit score required. We were in the mid 600s and the requirement was 550. There also was never a credit report pulled. I called and updated the apartment and asked how could we had been denied, if a report was never ran. They never responded after multiple contacts. We applied at another apartment with a higher score requirement and received immediate approval. In XX/XX/XXXX, I received a call saying they were trying to collect a debt. I asked the agent to please explain how i owed. She said it was leftover move out fees. I explained that I never stayed or moved in so how are we owed a balance? She got rude with me and threatened that she will just put it down that I am refusing to pay the debt. This was a recorded call. I explained to her that Im not refusing anything but am asking for a verification of the debt. The call ended and today, I go to look at my credit report and there is the collection. This is illegal and the tactics of IQ DATA INTERNATIONAL IN are inhumane. They still cant prove how I owe this money to them when they never ran a report. I called over a month leaving messages with the main office and no one called me back. I reported it on XXXX and they responded saying that it was due to my credit but again, my credit was never pulled.

Company response to consumer: Closed with explanation