BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-17
Company: Amsher Collection Services, Inc.
State: NC
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:
In accordance with the Fair Credit Reporting act. AMSHER COLLECTION SERVICES violated my federally protected consumer rights to privacy and confidentiality under 15 USC ******* U.S.C **** section 602 A. States I have the right to privacy. 

15 U.S.C **** section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 ***********. ( 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 ************* ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. I have also attempted to contact XXXX XXXX XXXX several times to request written proof of this debt, but they have failed to comply with this request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: FL
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 requested previously that the previous addresses on my account be removed. The issue has not been resolved.

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 2023-11-26
Company: Experian Information Solutions Inc.
State: MA
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:
Someone has attempted to fraudulently use my social security number open credit card accounts without my knowledge or consent. I kindly request that all credit bureaus take immediate action to remove all inquiries associated with these fraudulent attempts. All 3 credit bureaus- please scroll and look for your company 's inquiries. 

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 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

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 2023-11-25
Company: Experian Information Solutions Inc.
State: GA
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 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

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 2024-01-18
Company: WELLS FARGO & COMPANY
State: SD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Well Fargo XXXX, current case number # XXXX I'm getting extremely tired of this phone and company. I've asked for returnees calls, and get nothing. I'm not dealing with threatening XXXX or her boss, was told that by security officer in XXXX XXXX. Then I'm told a XXXX, and now a XXXX whoever. CFPB start doing something about this company and my Wells Fargo compliments. I have no paperwork or statements, closed accounts and delinquent, attempts to collect a debt. My accounts been under investigation for 8 months. I NEVER OPENED NP CREDIT CARDS OR PERSONAL LOANS, NOW LEARN HOW COMMUNICATE WITH CUSTOMERS

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 2024-01-17
Company: Lugano Capital, Inc. d/b/a Start Auto Finance
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
The car lot I originally purchased my vehicle from ( XXXX XXXX XXXX ) is permanently closed. I purchase a vehicle and upon leaving the lot my driver side front tire fell off from the entire frame. The car was improperly inspected before selling. I ended up spending {$4000.00} a year later to replace the frame again after waiting 2 weeks to even drive the vehicle. The sales person was fired immediately. The licenses were all expired displayed inside of XXXX XXXX XXXX. I was then scammed into a bank called Start Auto Finance. The bank is very unprofessional and has been charging me miscellaneous fees since Ive gotten my car 4 years ago. I was originally told to put down {$4000.00} for the car. They called me back 30 days later stating that I needed to bring {$2000.00} more dollars or return then car and they will deduct from my original {$4000.00} deposit for the days I drove around. I didnt want to let my car go so I paid the {$2000.00} not knowing that XXXX XXXX had received my application and also approved me for a lower down payment. Since then Start Auto Finance has been breaking all kinds of laws with contacting and threatening me. This company needs to be investigated. They have made calls to my references with intentions to embarrass me because I pay my car payment late. They contact my references before reaching out to me. I made a down payment of too much money and also paid a lot and still owe the exact same balance as when I signed my first loan documents. They have illegally repossessed my vehicle in the past and also charged me personal fees for retrieving my vehicle because the tow man required me to pay him for getting up on a Sunday. Please investigate them as Im an now going with a lawyer to remove this company from my past. I have been stuck in this car trying to pay it off for years they adjust my loan too many times and call from number outs spam numbers telling me to remove my personal belongs when my car isnt up for repossession.

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 2024-01-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2023 : I received several letters from the Wells Fargo Bank Customer Care Department requesting a phone call. I executed the calls for each letter attached and made notes on whom and at what time I spoke. The resolution, as promised, for all the inconveniences was provided on a recorded line 30 days ago. So I called back towards the end of XXXX once again and still got the same response. Someone needs to do their duties and provide the appropriate final results within the promised delivery date. We are now heading 60 days and still waiting for results.

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 2024-01-19
Company: Zions Debt Holdings
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I reached out to Zions Debt Holdings ( XXXX is the original creditor ) to obtain evidence supporting the claim that the debt belonged to me. In response, Zions Debt Holdings provided a deceptive contract in which they manipulated the date and email address. Despite possessing the original contract, which I shared with Zions Debt Holdings and highlighted its fraudulent nature, the company failed to acknowledge the issue. 

On XX/XX/XXXX, I forwarded both the fraudulent and original contracts to XXXX. However, XXXX, without thoroughly examining the fraudulent documents, accepted the creditor 's assertion that the debt was indeed mine. Surprisingly, XXXX explained that they do not investigate disputes if the creditor asserts ownership of the debt. 

This situation raises the question : when should the burden of proof shift to the entity committing fraud? Furthermore, when I contacted XXXX, they informed me that the account is too old and no longer in their system. It is disheartening to face the potential impact of a {$570.00} debt on my credit, especially considering the meticulous effort I've invested in maintaining a good credit standing. I find myself questioning who advocates for the consumer in such circumstances, where fraudulent documents are presented, yet the party retains the right to pursue a debt that is not rightfully mine. 

XXXX sent me an email ( attached ) noting that our relationship ended in XX/XX/XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19
Company: Amsher Collection Services, Inc.
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received a collection on my credit report from AMSHERCOLLECTIONSERVCES. To my surprise, they are reporting this account incorrectly as it is shown as being open as well but also show a balance in the amount of {$1100.00}. Please remove this account from my credit report immediately. Please provide me with a copy of my updated credit report with this removed off. 

Sincerely XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: LoanCare, LLC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
My information was sold and bought illegally because I was a victim of LoanCare , LLC data breach. I never gave permission for my data to be shared, I have struggling for years due to another data breach from XXXX in XXXX  that is still affecting me today and now I receive this letter.

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 2024-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Bankof america sent out ten edd bank cards to an address where I no longer lived with over XXXX on them XXXX times on a claim I filed and the person used them all they never made this person one time go get bank verified and made me for the XXXX dollars is all I received outta XXXXand still keep denying my claim when there security was faulty

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 2024-01-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
XXXX XXXX... 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX Sun XX/XX/2023 XXXXXXXX XXXX Greetings... 

In XX/XX/2023, I discovered my home was put on a " foreclosure registry list data base '' by my mortgage company ( Select Portfolio Services ) without any type of proper notice. 

I ( only ) discovered the " listing '' because I discovered a XXXX XXXX code enforcement officer inspecting my property because of being " put on the foreclosure registry list ''. 
The code officer told me they download and use the list daily to inspect home foreclosures and abandoned homes. 

It's important to point out, I was not in forclosure so I immediately called my mortgage company. 

A call to my mortgage company quickly confirmed I was not in any foreclosure " proceedings '' or in foreclosure. I asked about the " foreclosure registry list '' and was told they had no knowledge of it, nothing appeared in my file. No current court records filed for foreclosure. 

I ( then ) contacted the XXXX XXXX Code division and was told I was put on the list by my mortgage company, Select Portfolio Services. 
I filed an " open records request '' and confirmed it was my mortgage company that paid the required fee and fraudulently filed my home on the registry list, without notice. 

The information required to submit the form, along with a required fee, was outdated, false/misleading, inaccurate and in violation of Florida law . ( 48-H, sec.8, 146 ). 

Repeated phone calls to the mortgage company call center didn't work because they repeatedly denied any knowledge of the list. 
I got zero customer service. 

The mortgage company fraudulently put me on a foreclosure list, failed to properly notify me and violated Florida law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opens up CareCredit card XX/XX/XXXX. XXXX. Made my first payment XX/XX/XXXX XXXX that is minimum. XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX payment. On XX/XX/XXXX I was charged late fee. Told they would wave late fee only one late fee was waived XX/XX/XXXX it said I had balance past due XXXX it wa incorrect I had made 3 payments to this card. CareCredit tell me beacause i didnt wait bill to print made payment early I owe them XXXX payment is due today Im gon na be charged late fee. Also told me that they never prossesed one of my payments that unfortantly theres nothing they can do proof they got money bank stamens Im not allowed to make payment early that payment is due XXXX of each mth

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 2023-11-24
Company: Experian Information Solutions Inc.
State: NJ
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:
A XXXX ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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 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 2024-01-09
Company: Huntington Debt Holding LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated phone calls from many many different phone numbers, I spoke to them to begin with told them that that was not my debt and told them repeatedly to stop calling. They are leaving harassing voice messages and threatening 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 2023-11-25
Company: Experian Information Solutions Inc.
State: MO
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 am writing to express my deep frustration and dissatisfaction regarding the multiple unsuccessful attempts to correct the inaccuracies on my credit report, specifically concerning late open accounts and the removal of late closed accounts. Despite my persistent efforts to rectify these issues, they persist, casting a shadow on my financial standing and causing unwarranted distress. 

I first brought these concerns to your attention, and since then, I have made numerous attempts to resolve these matters. Unfortunately, my previous attempts have proven fruitless, and the late open account and late closed account continue to mar my credit report, negatively impacting my creditworthiness. 

This situation is not only causing me financial hardship but is also eroding my confidence in your dispute resolution process. I have submitted the required documentation and followed the established procedures diligently, yet the corrections have not been implemented as expected. 

I demand an immediate and thorough investigation into the persistent issues with my credit report, with a specific focus on the late open account and the removal of late closed account. Furthermore, I insist on a detailed explanation for the repeated failures to address these matters adequately. 

I understand that errors can occur, but the prolonged nature of this issue raises serious concerns about the effectiveness of your credit reporting system and dispute resolution procedures. I expect this matter to be treated with the urgency it deserves, and I demand a comprehensive response within the exact time frame from the date of this letter. I am asking for your assistance to correct these late open account and remove the late closure in my credit file : 1. XXXX XXXX Balance Owed : {$130.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 
2. XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.

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 2023-11-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian, XXXX, and XXXX are violating my federally protected consumer rights. They've included inaccurate information on my consumer reportspecifically, XXXX alleged accounts from XXXX XXXX XXXX XXXX without valid account numbers, negatively impacting my reputation. These accounts must be removed as they do not adhere to the reporting accuracy required by law ( 15 USC 1681e ( b ) ).

Additionally, the agencies failed to provide a clear opt-out form as mandated by 12 C.F.R. 1016.7a. Despite my explicit request to opt out and revoke consent, if they persist in furnishing this data, it violates 15 U.S.C 1681b ( a ) 2.

Moreover, the reported information directly violates 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ) as it pertains to transactions and experiences between me and the reporting entity. This constitutes a direct breach.

The inclusion of adverse information, as outlined in 15 U.S.C 1681c ( a ), particularly line 5, violates the statute, specifically 1681c ( a ) ( 5 ). Clearly, this information should not be posted. 

It's evident that Experian, XXXX, and XXXX have violated multiple federally protected rights by including this information in my consumer report. According to 15 U.S.C 1681n ( a ) ( 1 ), they are liable for compensation of {$1000.00} per violation, amounting to several thousand dollars for this breach.

If these accounts remain on my credit score I will be taking further legal action and protecting my consumer rights. 

The XXXX XXXX XXXX  Credit Card Accounts # XXXX XXXX Balance -- - 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