BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I sent a letterb to all three credit bureaus and the XXXX XXXX XXXX. 
Date : XX/XX/XXXX XXXX  XXXX XXXX Assistance XXXX XXXX. XXXX, XXXX, Texas XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to XXXX XXXX XXXX XXXX, Michigan XXXX Please update my name to : XXXX XXXX XXXX only, I was a victim of identity theft with other names My only social security number us XXXX My only and correct date of birth is XX/XX/XXXX My only employer is XXXX XXXX XXXX XXXX of XXXX  I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U. S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, Name : Ms. XXXX XXXX XXXX XXXX Driver License, SSN Card Proof of Residence

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 2023-02-06
Company: OPORTUN FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been trying to pay my Oportun credit card bill for months. I was in rehab and my sister tried to pay it online for me so that I would not incur any late fees or charges. The website would not allow her to make a payment when she clicked on the pay now link, it did nothing. I was also unable to get statements online. She called on my behalf trying to pay as well many times and they would not allow her to make a payment on my account even though she provided all of my information. I was unable to give permission as I had limited phone access. I recently got out of rehab and tried to call and pay and because i didnt have my phyical card and XXXX digit account number they would not allow me to make a payment even though i was able to provide all my other information. I then requested a new card as they suggested. The following day i received a letter in the mail stating my debt had been sold to a collections company. 

I have tried to pay many many times. They did not seem to want my money. Also, it seems that the call center is outsourced as all of the people i spoke to were foreign and i could not understand their heavy accents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has continued to report an outstanding debt on my credit report. For over seven years I have asked for verification of this debt and account and have not received such proof. Further, they harassed me and threatened me, phoning at home and at my work for years. This inaccurate debt account continues to be reported on my credit report. 

It appears XXXX XXXX is now RESURGENT CAPITAL SERVICES. 

C/O RESURGENT CAPITAL SERVICES, XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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 explanation
Consumer complaint received 2020-07-22
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collector frequently calls my cellphone and my workplace daily some times twice or even more than twice a day. He is very rude and always uses threatening language. 

I have significantly paid a large sum of the debt agreed on, but for just a missed payment of {$50.00} the debt collector will continuously call even when he has auto pay for collecting the debt. for a missed payment the debt collector now threatens to increase the amount I owe and also threatens to drag me to court and worst he gets so personal. 
the debt collector company is D.Scott Carruthers, Attorney, XXXX XXXX XXXX, XXXX, CA XXXX. He always calls me on this number ( XXXX ) XXXX. 

I have also come to realize that he has not sent me any document detailing this loan, All I receive is receipts of payment, no agreement of paperwork pertaining this collection has ever been sent to me. 

I request to be protected from this ruthless caller even after agreeing to a bi weekly payment of {$50.00}. the man is harassing me over both my personal phone and my workplace,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: GOLDMAN SACHS BANK USA
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, I received a call from apple credit card ( the caller Id was their number ). They told me I had a purchase done in XXXX. I told them it was not me. They sent me a log in but it was to steal my Apple XXXX  and card. But it was a scam. They made a XXXX purchase in a Apple Store in New York. After I hanged up the call I call back that is when I notice it was a fraud. They did a dispute it does not go under my favor. They dont tell me the reason. No answers just. That they can create another dispute. This is a off and on since XX/XX/2022. I live in XXXX, tn this happen in New York. I have proof I worked that day. I dont know what to do

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-19
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am filing a compliant on Wells Fargo for their deceptive, abusive and unfair loss mitigation practices. I have attached a formal complete for your review. I pray that Wells Fargo is made to do the right thing by granting me a loan modification.

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 2020-12-07
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
well Fargo account was close, this accounts still showing on my credit as account close Account Details Account status Paid Type Secured credit card Responsibility Individual Remarks Payment after charge off/collection Dispute resolved ; customer disagrees Times 30/60/90 days late XXXX Closed 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 2023-08-16
Company: AmerAssist A/R Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Amerassist for their failure to provide debt validation and their ongoing violation of the Fair Debt Collection Practices Act ( FDCPA ). Despite disputing an alleged debt with Amerassist and requesting validation of the debt as per the FDCPA, they have failed to comply with these requirements and continue to engage in harassing communication practices that negatively me emotionally. 

I initially disputed the presence of the alleged debt on my credit profile and sent a written request to Amerassist, requesting debt validation in accordance with the FDCPA, specifically 15 USC 1692g. Despite the statutory obligation to provide debt validation within 30 days of receiving my request, Amerassist has failed to provide me with any substantial proof of the debt 's validity. 

Furthermore, Amerassist has continued to contact me via text messages regarding the alleged debt despite their failure to validate it. This persistent communication not only violates the FDCPA 's provisions regarding harassment and unfair practices but also causes unnecessary stress and negatively impacts my credit score.

Additionally, I have explicitly requested that Amerassist provide proof of their ability to collect this debt in my state, as mandated by the FDCPA. However, they have failed to provide any documentation or evidence demonstrating their legal authorization to collect debts within my state. This raises concerns about their compliance with state-specific regulations and further undermines the validity of their collection efforts. 

The failure of Amerassist to validate the alleged debt and their continued harassment through text messages is causing significant distress and adversely affecting my credit score. I believe these actions are clear violations of the FDCPA and its provisions for debt validation, harassment, and unfair practices. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against Amerassist for their non-compliance with the FDCPA. I also request that you intervene to ensure the removal of the alleged debt from my credit profile and the cessation of any further collection activities by Amerassist until they can provide proper validation and proof of authorization. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt action to address this complaint and protect consumers from the unlawful practices of debt collectors. I look forward to a resolution that upholds the rights and interests of consumers like myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I opened a WELLS FARGO checking and savings account and i got a notification that a inquiry was sent to view my credit report for both accounts. Which was unnecessary but fine. Than friday i received a notification that a credit card application inquiry had been made. So I go up to wells fargo and the account that pulls up with my social is in a different name and address according to the teller. I am referred to a banker. About 10 minutes later the banker comes to get me and notifies me that the information is incorrect. He corrects everything except my phone number. Which is the only way WELLS FARGO can verify me over the phone. He also stated that there is no credit card in my name. Which doesn't explain why there was a credit card inquiry ran against my credit. I ask for my account number and he says since I opened it online I have to wait for it in the mail. 

Wells Fargo is the only bank in the history of banks that I have used that does not allow you online access to your account immediately. 

Wells Fargo shows no effort to care about their customers identity. Despite them confirming the account had the wrong information on it with my social they can't help me access the account to verify myself. If my identity is stolen there is nothing Wells Fargo is willing to do to help me recover the account. 

This seems like a very shady business. I do not know how they stay in business.

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 2023-01-18
Company: Affirm Holdings, 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:
Pursuant to 15 U.S. Code 1691 - Scope of prohibition- It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. Keyword : ANY I was discriminated against based on my credit report/reputation.

Also Pursuant to 15 U.S. Code 1602 ( p ) - Definitions and rules of construction. The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. The credit card being my social security was used by Affirm ( person ) and I the cardholder received no benefit.

Affirm has already confirmed through email that they in fact did deny me my right to credit. Affirm shall pay fines for said violations including 15 U.S. Code 1681n - Civil liability for willful noncompliance. {$1000.00} per violation invoice will be sent by mail via USPS with a tracking number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: AZ
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 third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$6000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXXXXXX XXXX Balance : {$490.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.

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 2020-09-11
Company: Experian Information Solutions Inc.
State: MD
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:
REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the XXXXair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-09-11
Company: KEYCORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During the nationwide shutdown of COVID-19 I inquired about a deferral payment plan that would put my principal and interest to the back of my loan. After two months of this I never received any paperwork. I have called Key Bank 27 times during this process trying to make my payments. I have been receiving paperwork in the mail stating Im behind my payments. I have had local representatives come to my house to collect. I have recorded calls that I have been trying to make payments and pay all of my insurance and taxes in full. Key bank keeps telling me that the paperwork isnt going though. Every time I call I get a different answer. I am now dealing with a XXXX XXXX. XXXX He has assured me that this will be taken care of swiftly. He has promised to call me back. None of this has happened. I have called and left messages. I have emailed several times. He will not contact me back. I can not get anywhere with them. I have been trying to make payments for 6 months now. Key bank has also put negative impacts on my credit file. I have offered to pay all taxes and insurance up to date and can not get anyone to accept my payments. I do now know what more i can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14
Company: Bread Financial Holdings, 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:
On the company 's response letter, the company states that they had payment until XX/XX/XXXX. When I was notified that XXXX was XXXX, I made a payment on the total amount due at the time on XX/XX/XXXX. So XXXX only didn't have payment for 17 days. They should report accurately on my credit, stating that it was late for 17 days, which would be fine by me. But they unilaterally state that, if a payment is " returned '', even after having monies for 60 days in their account, they can state that the account was past due for 60 days, even if the reality does not reflect their measures. 
According to their own response, they had payment, then didn't have it for 17 days, then got paid again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: MI
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:
I sent a letter to ExperiaXXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/2022 and requested them to remove all old addresses, phone numbers, email addresses and employment information from the credit file and update the credit file with my current address, email and phone number. Experian never replied. 

I sent a second letter ( certified this time ) to Experian on XX/XX/2022 and made the same request. Experian never replied to this letter either. 

As a consumer, I do know I have the right to request an Experian update and remove all old and outdated information on the credit file. In refusing to reply to my request after 30 days, they have violated my consumer rights to fair and accurate reporting on my credit file.

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 2017-06-19
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
BLAKELY WITTS AND ASSOCIATES HAVE A DEBT 0F {$540.00} ON MY CREDIT REPORT SINCE XXXX 2013 AND SEND MANY LETTERS TO STOP BILLING AND WAS NOT MINE. THEY WILL NOT REMOVE FROM CREDIT REPORT. OR IDENTIFY THE ORIGINAL DEBT COLLECTOR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
TransUnion listed collection accounts, that can not be validated even by the collection agencies, on my consumer report without any written instructions from me as per the FCRA USC 1681b ( a ) ( 2 ). They have shown a blatant disregard for the law or whether their reporting is accurate or not. I have sent them a letter containing the FCRA 15 USC 1681b ( a ) ( 2 ) which they have violated and continue to violate, and demanded that they delete the accounts immediately from my consumer report, and I have also called and spoken with a customer service representative and a supervisor about the issue, but every effort have failed so far, as they have so far refused to act upon my demand to delete the accounts.

I am demanding that the collection accounts listed below be immediately deleted from my consumer report as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

1. XXXX XXXX XXXX XXXX. # XXXX Balance : {$110.00} 2. XXXX XXXX  XXXX XXXX # XXXX Balance : 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