BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-09
Company: Affiliate Asset Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Whenever I receive calls from Affiliate Asset Solutions, I answer the phone and say, " Hello, this is XXXX speaking '' and I get no response. I say " hello? '' a few times and then they disconnect the call. This occurred twice today, on XX/XX/2021, at XXXX and again at XXXX ( XXXX time zone ). I called them back after the second incident to confirm they only have one debt on file with me. From my understanding of the Fair Debt Collection Practices Act, it's a violation to call me twice in one day. I'm attaching screenshots of my phone to confirm this account of events.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
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:
To whom it May Concern, I have disputed XXXX XXXX with XXXX  and Experian, each month for 3 months starting back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX regarding a account being unverified each dispute XXXX XXXX has came back as verified. XXXX XXXX has been recording account as date opened XX/XX/2013 with the amounts {$6600.00} listed on the credit report. On XX/XX/XXXX XXXX sent a debt validation letter for XXXX financial to verify the debt regarding what was sent based on my credit report. I have attached the letter that was sent by XXXX XXXX company regarding validating the debt.

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 2021-02-01
Company: Experian Information Solutions Inc.
State: NV
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:
Experian XX/XX/2021 page 8 of 10 Telephone numbers is not my phone number. Show proof of this number belongs to me XXXX from the phone provider. Stop putting false information 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 2018-07-19
Company: Nicholas Financial 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:
To whom it May Concern, I have disputed Nicholas Financial with XXXX  and XXXX, each month for 3 months starting back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX regarding a account being unverified each dispute Nicholas financial has came back as verified. Nicholas Financial has been recording account as date opened XX/XX/2013 with the amounts {$6600.00} listed on the credit report. On XX/XX/XXXX XXXX sent a debt validation letter for Nicholas financial to verify the debt regarding what was sent based on my credit report. I have attached the letter that was sent by Nicholas Financial company regarding validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " XXXX '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Exoperian and XXXX credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Date Opened : XX/XX/2014 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 2023-08-15
Company: EQUIFAX, INC.
State: FL
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:
I took a look at my recent credit report and noticed a great quantity of INQUIRIES on my credit report. I added some already but will be relisted below along with some other inquires with the date of inquiry i could not add before. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I want all of these fraudulent unauthorized inquires off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: EQUIFAX, 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 information incorrect

Complaint:
INQUIRIES ON MY CREDIT REPORTS THAT ARE NOT MY DOING. PLEASE ERASE. I have 5 inquiries that are not my doing. I do not want a response saying please contact these companies as i have done so and they say that there is Nothing on file for me. So please remove asap. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX   Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Shellpoint Partners, LLC
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 status incorrect

Complaint:
In XX/XX/2020 I applied for a 3 month forbearance due to COVID-19 and was approved. During this time I received letters saying my account was past due. I called repeatedly and they told me to ignore the letters, I was in forbearance. In XXXX I said I could resume payments and closed the forbearance both online and over the phone. I resumed payments in XXXX as scheduled. XXXXNewRez sold my loan to ShellPoint in XXXX with first payment due to Shellpoint due in XXXX. When I called ShellPoint, they hadn't received any of the info on the forbearance or deferment from XXXX/NewRez. I attempted to pay in XXXX, but was told not to because it would be considered a partial payment and they could not accept it. Same in XXXX. I had to defer additional payments in order to get the account current. 

In XXXX XXXX/NewRez reported my account as 60 days past due even though I had an approved forbearance, causing my credit score to go down 139 points. I spoke with a representative on XX/XX/2020 and he said they have no record of anything regarding the forbearance or deferral and it should not have been reported as past due with an approved forbearance. I disputed the late payment report with XXXX. 

I am unable to do a refinance to a lower rate which would lower my mortgage by {$500.00} per month due to this inaccurate credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX ext. XXXX XXXX XXXX XXXX ext. XXXX XXXX : I received a telephone call from Mr. XXXX ( on my cell phone ). Mr. XXXX made no mention of proceeding with refinance or his investigation into my concerns of fraud by Wells Faro employees ( although he has made multiple time extensions and there have been multiple notifications to me of delays for said claimed investigation ). Mr. XXXX stated he was going to send me a copy of my current amortization schedule. When I asked, why, he claimed to believe that I had made this complaint ( that is well documented, by now ) wanting a copy of my amortization schedule. 

If he truly believed that, why didn't he just print one up and send it to me when I made the complaint initially? The fact that he didn't shows consciousness of guilt regarding disingenuousness of his absurd assertion and fraudulent attempt to mislead this customer of financial services provided by his employer, Wells Fargo. 

I have had at least three prior phone converstions with XXXX. I have never, in writing nor verbally, requested a copy of my current amortization schedule. To be clear ( as I have been from the begining ), Wells Fargo will refinance my current loan or Wells Fargo will re-amortize my payments. This is NON-NEGOTIABLE. 

During our first converstion, we discussed a Wells Fargo 's employees prior refusal to re-amortize my loan and her claim that it was not allowed by federal guidalines and law. If you read initial complaint, here, you will see that I believe this to be a falsehood. During the XXXX converstion with Mr. XXXX, Mr. XXXX stated repeatedly that it was policy ( Wells Fargo Policy was the alussion ). Which is it? It can not be both. Either I was refused re-amortization becuase of federal guidalines and law or due to Wells Fargo policy. One, or both, of the employees used specific verbage in an attempt to mislead ( fraudulently ) this customer of financial services provided by thier employer, Wells Fargo. 

It is my sincere hope that Wells Fargo will address and correct disingenuous statements, actions, and lack of actions perpetuating fruad with the intent to mislead and disenfranchise this protected class customer and which XXXX XXXX, XXXX XXXX and Wells Fargo XXXX. XXXXl, can be held jointly and severably liable. Should Wells Fargo fail to correct these egregious actions, I will have no choice report them to FINRA and NASAA, and to seek civil remedy. 

Per my last converstion with Mr. XXXX, he will conclude his claimed investigation within 10 days. 

Choose Wisely, 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 2020-10-20
Company: Experian Information Solutions Inc.
State: MA
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:
Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with  XXXX, XXXX, and Ex

perian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps  who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
1.XXXX  acct. # XXXX bal. $ {$19000.00}, 2.  XXXX/XXXX  acct. # XXXX 3.XXXX  ( Original Creditor : XXXX  ) acct. # XXXX**** 4.XXXX  ( Original Creditor : XXXX  ) acct. # XXXX** 5.XXXX  ( Original Creditor : XXXX  ) acct. # XXXX** 6.XXXX  ( Original Creditor : XXXX  ) acct. # XXXX** 7.XXXX  XXXX  acct. #  XXXX 8.

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 2020-11-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Sir/Madam, This is becoming a nightmare for me. 

I have applied for a credit card from XXXX XXXX department store. They declined it saying I have insufficient credit experience. They declared that on information obtained from Experian credit reporting agency. My credit score is XXXX based on my Bank report. 

I am trying to contact Experian and I am getting only only recorded messages an NO ONE IN THAT AGENCY WILL TALK WITH CUSTOMERS. EVEN IF THERE IS ANY FRAUD THERE IS NO WAY WE CAN FIX IT WITH THEM. 

What kind of credit reporting agency they ARE RUNNING? They are sending a NEW PASSWORD AND WHEN I AM ENTERING IT, IT WILL NOT WORK. Based on their false information I am denied credit with 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 2021-07-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have bank with Wells Fargo for couple years now some time back I found that this bank have give another person a loan for a house with my social security number as a first time buyer I try to fallow a complain with them but they never got back to me they said I need to call XXXX and the other companies to figure that out they cant give more info I have a letter from social security stating that is my social number Wells Fargo have never gave me more info on this matter.

Recently a had two transaction that were return back to me Wells Fargo said at first they waiting on the money to be release to them so they cant put them in my account but that never happen the money disappear from my account period I submitted a claim asking where the money is and they dont have an answer for it I need help on what to do next.

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 2018-07-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a written request to Portfolio Recovert on XX/XX/2018 requesting VALIDATION of a debt that is listed on my credit file. Validation was not received pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). In fact the company refused to investigate the  matter claiming that the issue was resolved. This is a violation of the fair credit reporting act, violation of the fair debt collection practices act, and defamation of defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Berlin-Wheeler, Inc. (Kansas)
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been speaking with Berlin Wheeler and XXXX XXXX over the last 6 months in XX/XX/2020 XXXX XXXX advised Berlin Wheeler to remove the debt from my account and transfer it to the responsible party. I have followed up with Berlin Wheeler mulltiple time in which they have stated the debt has been removed from my account and transferred to the correct responsible party and that they have submitted request to be removed from my account. It is still showing up and the dispute results do not indicate that they have submitted request to remove from my account and that they are holding me responsible for this debt.

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 2021-05-01
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Experian Information Solutions 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:
I have contacted these companies with letters countless times and gave them 30 days to respond. They have yet to respond and remove these negative unauthorized items off my credit report. Here is a copy of the letter below.

To Whom It May Concern, This letter is a follow up to my original  letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX & XX/XX/XXXX 2. XXXX XXXX & XX/XX/XXXX 3. XXXX   XXXX & XX/XX/XXXX XXXX XXXX XXXX  & XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 2022-10-14
Company: TRANSUNION INTERMEDIATE 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be validated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account XXXX ; XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; Original Creditor : XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : 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 non-monetary relief