BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for COVID mortgage relief in XX/XX/XXXX and was granted it on a 90 day basis, I am ready to resume making payments as of XX/XX/XXXX. I would like to refinance the mortgage into a lower rate as rates have dropped significantly. My mortgage servicer, Wells Fargo, is not following the Federal Cares act. They have told me I can not refinance into a lower rate unless I pay the 3 months of deferred payments immediately. That is not how the Federal Cares relief act is supposed to work. It clearly states that those payments in deferment are not supposed to be held against me and stop me from refinancing into a lower rate. They have essentially told me I have to either make all those back payments at once, or wait 6 months to refinance, or do a loan modification where they can potentially lower my rate but not guaranteed and I cant do a 15 year mortgage. They are also stopping me from refinancing with another bank 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 2020-06-16
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX  is improperly reporting an account in collection as follows : Creditor : Financial Asset Management Date Opened : XX/XX/2019 Amount Due : {$5900.00} No account was opened with them or their " Original Creditor : XXXX XXXX '' in or around XX/XX/XXXX. I have contacted XX/XX/XXXX and filed a dispute 2 or 3 times to date with no success. I have contacted " Financial Asset Management '' as well to make them aware of their error only to be berated and yelled at. The original account refers to a Student Loan with a date of first delinquency that was longer than 7 years ago.

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 2023-08-22
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:
This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific inquiries in my credit file that do not belong to me. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. They failed to properly investigate the inaccuracies and unverifiable account on my report also, they never send proper validation of the account. They told me it was verified but never send me back any form of verification or an original contract bearing my signature. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
For the past 2 months, I have been writing letters to all 3 bureaus XXXX, Experian and XXXX including the creditors and to no avail they have not followed the FCRA consumer laws and have been sending me generic stall letters when I asked for them to send me a contractual agreement bearing my signature, they have failed to do so and did not update my credit profile or remove the item in the 30 day timeframe they have to complete their investigation. There are items on my credit report that is duplicated, unverifiable, outdated and inaccurate and they have not attempted to do or remove anything. I am filing a complaint because this is my last attempt to get them to abide by the rules of the Fair Credit Reporting Act before, I take my complaint further as I have already been in contact with FCRA attorneys.

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 2023-08-22
Company: EQUIFAX, 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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-27
Company: EQUIFAX, INC.
State: IL
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2021-02-16
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On this date, XXXX XX/XX/XXXX, I received a notification by mail by a company called Phoenix Financial Services claiming I owed a debt of {$40.00} for XXXX XXXX rendered on XXXX XX/XX/XXXX. The Phoenix account number listed was XXXX and the Creditor Account number was XXXX. Original Creditor Listed was XXXX XXXX XXXX XXXX. 

I knew immediately this was a scam as, on XXXX XX/XX/XXXX, I was stationed at XXXX XXXX XXXX, in XXXX XXXX, TX, as a service member in the XXXX XXXX in XXXX ( XXXX XXXX XXXX ). If I required medical care, it would have been provided by the U.S military and not a private medical facility. I can prove my location at that time through military records and official orders. There is no XXXX XXXX in Texas, and no such company in the state of Texas. 

I attempted to call the company and the phone was answered by an unnamed gentleman who proceeded to scream at me. I was do not tolerate verbal abuse and hung up on them before finding resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquiry and or Collection Accountwhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at XXXX, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
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: Account information incorrect

Complaint:
I HAVE CONTACTED XXXX XXXX LOAN SERVICES ABOUT REPORTING INACCURATE INFORMATION ON MY ACCOUNT SINCE XXXX WHEN I WAS FIRST APPROVED FOR MY ACCOUNT WITH THEM THEY HAVE BEEN REPORTING INACCURATE DATES ON MY CREDIT REPORT STATING THAT I HAD LATE PAYMENTS IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. I HAVE SENT OFF SEVERAL LETTERS IN XXXX, XXXX, XXXX AND XXXX AND XX/XX/XXXX ASKING THEM THEM TO REMOVE THESE INACCURATE REPORTINGS OFF MY CREDIT REPORT I HAVE NO HEARD ANYTHING BACK FROM THEM, I TOOK IT TO THE NEXT STEP IN XX/XX/XXXX ASKING EXPRESSION, XXXX  AND TRANS-UNION TO REMOVE THIS INACCURATE INFORMATION FROM MY REPORT I HAVE SENT THEM EVIDENCE SHOWING WHEN I HAVE MADE MY PAYMENTS I STILL HAVE NOT HEARD ANYTHING BACK AND IT IS NOT XX/XX/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 2023-06-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ive tried several times to have them remove the account because I filed bankruptcy ( XXXX XXXX ). It was removed in late XXXX but then it reappeared earlier in XXXX after Equifax had the data breach. However, XXXX XXXX XXXX ( US DEPT OF EDUCATION ) also keeps adding this account or updating when it should be closed on my Equifax report. Its currently identified as closed with the remaining credit agencies except Equifax. I need for this to be removed off of my Equifax report. I filed for bankruptcy in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
2 years ago I signed up with XXXX XXXX to start working on my credit. After signing up I noticed unusual transactions or debts listed on my transunion report. 
1 ) A collection agency on behalf of XXXX in the amount of XXXX. I disputed and transunion removed the collection. 3 mths after, the collection agency sold the debt to another collection agency named XXXX XXXX XXXX. The debt was added back to my credit report for XXXX I have tried disputing again and transunion says the information is accurate. Their wrong, I have used XXXX for my service provider for internet, cable, and mobile and I'm still a loyal customer to this day. I should not have anything in collections because if I did then they would not provide me with services until the bills were paid. Shortly after my last dispute XXXX contacted me to warn me that someone my be trying to use my name for service but the address doesn't match my current address. The collection agency refuses to remove this from my credit. And it's now showing on transunion and XXXX. 

2 ) Transunion has also refused to remove a company name XXXX that popped up a few months ago under XXXX XXXX XXXX. I contacted this company and they were very Adamant that the charges were mine for some tires. I advised them that I didn't own a vehicle at that present moment and asked them to provide supporting documents. I have yet to hear from them. Transunion has stated the the account is accurate. It's not my account. This account also displays on XXXX and transunion. 
Last but not least 3 ) Transunion also sided with a collection agency named XXXX XXXX XXXX for XXXX. I was court ordered to have a XXXX installed into my car to obtain my license again. The company XXXX ended up costing me a huge tow yard fee for storage and tow because they locked the XXXX for non payment. I had just picked up my daughter from school and we stopped for a XXXX. She was XXXX at that time. While in the store XXXX shut done my car and refused to unlock it until I paid. Since the car was of course parked right in front of the store XXXX had it towed it cost me almost XXXX when I found it and XXXX is charging me for the equipment cost@XXXX. Not only did I return to XXXX to have this device removed but the sameday they charged my account XXXX. So they are trying to double dip.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: U.S. BANCORP
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My husband was furloughed due to the XXXX. As such with being on unemployment we chose to work with our creditors and most all of them suspending payments for 2 to 3 months. US Bank however offered nothing other than waiving the late fee and really isnt any help at all. Now theyve reported us to the credit bureaus Which under the cares act I dont believe theyre allowed to do.

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 2023-06-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have filed a dispute with XXXX, equifax and XXXX. I am unable to review my XXXX  report on XXXX XXXX XXXX. I will be attaching copies of disputes submitted through certified mail and my attached FTC affidavit to dispute fraudulent or inaccurate reporting to my credit report. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-24
Company: Experian Information Solutions Inc.
State: FL
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 have had so much resistance with Experian and how there reporting this account. Fcra requres 100 % accuracy and this account is reported a charge for the last six years every month ( Ive included. A video that shows this as well not to mention this account was reaged Im asking for it to be remove from Experian XXXX and XXXX removed Experian is still reporting this is violation

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 2021-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I mailed a request for a free annual credit report. I received a copy of my consumer credit file from XXXX and XXXX. I never received a credit report from TransUnion. TransUnion sent a postcard ( dated XX/XX/XXXX ) requesting copies of personal information to verify my mailing address. My mailing address has been the same since XX/XX/XXXX and TransUnion has sent my Credit Report to the same address since XXXX. This is the second year in a row TransUnion has tried to use stall tactics to avoid sending me a free 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 2023-06-14
Company: T.S. Holdings
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Summary : Unvalidated Charges/ Debt being pursued by Collection Agency. 

I called the collection agency IQ Data listed on a notice letter within 30 days of receiving. They were unable to provide details or validity of the claims/debt owed, nor was their client : XXXX XXXX XXXX XXXX ( original creditor ). However, please note, the notice letter I received from IQ Data ( attached in the document section ), reads the original creditor listed as XXXX XXXX XXXX XXXXXXXX. 

I mailed a dispute response to IQ Data, sent Certified Mail on XX/XX/XXXX to the address for XXXX XXXX @ XXXX XXXX XXXX XXXX WA XXXX listed on the notice letter received on XX/XX/XXXX - requesting validity of this debt being pursued. I should also mention, that XXXX of XXXX did not send notice alerting me of potential collection action at any time prior to receiving notice of Collection action from IQ Data. 

Additionally, I provided all of my email communication with XXXX XXXX XXXX  and their responses, clearly demonstrating their inability to validate the charges being pursued. Since mailing my dispute over 10 months ago, I had not been contacted in any form ( mail, email, phone ). Nor did I receive a formal response after delivery of my initial dispute letter. 

Subsequently, I received an alert of collections action on my XXXX XXXX XXXX indicating derogatory account notification due to IQ Data collection assignment. 

I sent another dispute letter via certified mail to IQ Data on XX/XX/XXXX. I called the collection agency once again, who confirmed receipt of both disputes, and stating they would mail me proof of validity ( after trying to collect payment in exchange for an instance email providing validity ). My last conversation with the collection agency was demeaning and highly insulting. They have continued to harass me, calling me during my work hours. 

I have diligently strived to maintain top notch credit history, and have had XXXX blemishes on my history prior to this invalid debt being pursued. To this date, neither the original creditor, nor IQ Data has been able to provide validity of the debt being pursued. If there had been objective, empirical evidence provided at any time since being pursued for this supposed debt, I gladly would have paid it off without hesitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: NJ
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 XX/XX/2021 I noticed unauthorized items on my credit report. I contacted all three credit reporting agencies who have not been able to assist in removing the negative items being reported without permissible purpose. ( 15 USC 1681b ) They are furnishing information which were not initiated by me, hence reporting false information ( 15 USC 1681b ( c ) ( 1 ) ( a ) ( b ) ( 1 ) ( 3 ) have not given any written instruction to anyone to put on my consumer report. My right to privacy is being ignored by Experian, XXXX, XXXX and creditors. These false consumer reports has affected me adversely and I feel as if my character is being defamed.

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