BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I recieved a letter from Weltman , Weinberg & Reis Co., LPA saying they represent a vague company called " XXXX XXXX '' to collect a debt of {$2700.00}. They advised that if I did not pay the debt to them ( Weltman , Weinberg & Reis Co., LPA ) within 10 days that they would take legal action against me and that is was in my best interest to just pay rather than have litigation disrupt my business. 

I have never heard of a company called XXXX XXXX nor do I have any outstanding debts with them. When I called the legal/collection agency on the phone number provided they asked for my account number and last 4 digits of my social/EIN and zip code XXXX I am unable to speak to an operator without providing this information. Because I didn't trust the agency I provided false numbers to try to talk to a representative but was still unable to reach anyone. I believe this is a scam to collect false debts and steal sensitive information. 

Please advise how I should proceed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Skopos Financial, LLC
State: IL
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation 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 2023-08-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-28
Company: CBC Companies, Inc.
State: PA
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:
XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, DE XXXX By Mail Only their customer service would not help and take care of the negative inquiries reporting to your credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: AES/PHEAA
State: CT
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made a timely payment on a student loan, and AES threatened that the payment was past due. I received confirmation from AES that the payment was timely. I want my timely payment acknowledged. I want AES to stop harassing me. I want an apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Loan was with XXXX XXXX XXXX, they tryed XXXX attempts to foreclose, without success, because of the fact that the statue of limitations ran out in XXXX,, because the first delinquent day was XX/XX/XXXX, the note was escalated in XX/XX/XXXX, this made the maturity day,XXXX, and stated the statue of limitations, in XXXX, XXXX  XXXX XXXX XXXX forcing to stop reporting to the bureau s because the XXXX. Had passed, at that time XXXX  XXXX XXXX was barred from suit, in XXXX, the chose to get a fake assignment of deed, using the old stamps from country wide, that was to be destroyed, according to the national mortgage settlement, in XX/XX/XXXX they decided to move the loan over to Carrington mortgage, that's claiming to be a debt collector, started reporting to credit bureau in XX/XX/XXXX, after challenged there right to report the same account that was deleted prior to the change of service, They agreed the 7 years has passed and removed it from the credit bureaus, now they have got a illegal assignment of deed, also the lawyers escalated letter did not include the amount owed or how much to cure, in XXXX  you have to put that on the letter, the immediately did a illegal assignment for deed, and have filed suit to foreclose, ever when the law says the XXXX statue of limitations apply to mortgages, also no one can tell me where the XXXX XXXX I got from the mortgage assistant program, believe Carrington mortgage is stealing all the money people are getting from this program, also they are trying to sue my wife, who has never been a signer on any of the notes, especially the modification I got in XXXX, Carrington mortgage is barred from suit, but are ignoring the laws of Texas XXXX also refusing any kind of workout programs, using the old XXXX tactics,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: AmeriCollect
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
HIPAA VIOLATION According to a recent copy of my credit profile AMERICOLLECT is reporting an alleged debt owed by me. I responded by sending a letter requesting validation of this debt to which they have responded. Their response is a clear violation of my rights according to HIPAA.

AMERICOLLECT did NOT provide me a HIPAA release that releases my medical information to them.I am aware that HIPAA does allow for limited information but anything more is to only be revealed with the patient 's authorization. 
Acct # 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 2018-09-27
Company: Nelnet, Inc.
State: MD
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:
A long story short, when I entered university at the age of XXXX, financing school was difficult because I was a minor. My parents participated in the a program prior to me graduating high school to front the cost but still needed to take out a Parent Plus loan. All other schooling was for paid out of pocket. Never did I physically sign a document at XXXX binding myself to a loan, mainly because that is illegal. Last XXXX, I ran across an email from Nelnet stating my student loans were kicking in. Honestly, never took out a loan and thought it was a scam. I ended up contacting the company on multiple occasions to discuss this discrepancy. I not only reached out to Nelnet but I also contacted XXXX XXXX XXXX. I spoke to a handful of people and requested a mater promissory note from both institutions. Nelnet finally sent me the note via emails on XX/XX/XXXX. I am still waiting for documentation from XXXX XXXX. Even with the documentation, I was under the age when the loan was taken out in my name. It should not be in my name and it should not show up on the credit report at all since the institutions were difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Paramount Recovery Systems, L.P.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX PARAMT REC ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Experian Information Solutions Inc.
State: TN
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 this due to non-compliance with the Experian. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-09-09
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX Inquiries : 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 2020-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I noticed this showing on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Experian Information Solutions Inc.
State: OR
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:
Today, XX/XX/2020, I receive an alert that my credit score tanked by 37 points from a {$190.00} medical bill I somehow missed. I paid it immediately. Over a year of working diligently to get my score up, watching it slowly. CRAWL up a couple points at a time ... one mistake and it tanks 37 points?! In XXXX I paid my ONLY debt down from {$7000.00} to {$3500.00}. My credit score went up 32 points. I owe XXXX and it plummets by 37 points?! This is ridiculous and a SCAM! I am at the mercy of these agencys formulas and have little to no control over how my data is used! Who is holding these agencys that make a profit off of our data accountable? When looking at the different categories on the credit score, like on time payment percentage, available credit, credit inquiries and amount of debt, I have either Good or Excellent ( higher amount of excellent than good ) in all categories and yet my score is below average? Something needs to be done and some serious REFORM needs to take place. Thank you for passing my complaint ( rant ) on to anyone who will read it. # 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 2018-07-30
Company: Credit Consulting Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was a cash patient to XXXX XXXX XXXX XXXX in XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) back last year prior to XX/XX/2017. At that time I was a XXXX not having the best health insurance plan so it was best to pay as a cash patient ( per XXXX XXXX XXXX XXXX ). I paid the full amount of {$100.00} for the check up and was told from the front office that my account " WAS PAID IN FULL AND CURRENT ''. My assumption here is the back office was NEVER updated and I find out through a letter from Credit Consulting Services , INC. on XX/XX/XXXX a collection letter that states COLLECTION NOTICE for the amount of {$100.00} + {$11.00} ( Interest ) = {$110.00} I reached out to XXXX XXXX XXXX XXXX in XXXX with the above mentioned address and even on XXXX this business does not exist and is CLOSED. They're now a new business operating under XXXX XXXX XXXX XXXX and when I attempted to get the back end office number to clear up this discrepancy I was informed a contact number to which when I called that number this number was a non existing phone number. This is very frustrating as I never got ONE single letter mail from XXXX XXXX XXXX XXXX over a year later stating I owe an amount to Credit Consulting Services INC,  with a Collection Notice that I owe a debt that should've been cleared up by XXXX XXXX XXXX XXXX when I paid the full amount. Why must my credit be affected as a negative item and suffer when XXXX XXXX XXXX XXXX clearly was at fault by hiring incompetent employees that could not complete a simple task as such as updating a payment record for a cash patient. If any information is needed from my end please feel free to reach out to me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a mortgage with XXXX XXXX XXXX that was paid off and closed in XX/XX/XXXX. Experian was still showing this account as open with a balance. On XX/XX/XXXX, I opened a dispute with Experian saying that the mortgage had been paid in full. I provided a letter from my mortgage company saying the same. I asked that the report be updated to closed and paid in full. 

After a month, I received a notice that my dispute had been resolved on XX/XX/XXXX. Instead of updating my account status, Experian deleted the mortgage off my credit report completely and my score dropped a significant amount. I tried to reopen the dispute that day, but Experian has not returned any contact. 

Ive since contacted the mortgage company and they said that they would update through eOSCAR, but I have yet to see anything corrected on my credit report. Experian has been non-responsive and its been extremely frustrating to get in contact with anyone to get this corrected.

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 2020-09-09
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Hello, on XXXX XX/XX/2020, I called Caliber Home Loans # XXXX about my escrow funds. Please note that my mortgage was paid off via a wire transfer on XXXX XXXX XXXX.Typically, wire transfer clear up in three business days between different institutions, which I contacted my new servicer, XXXX XXXX   and they confirmed that the transaction was cleared. I also verified with the county of XXXX XXXX, where my property is located and my taxes are up date and have the new servicer 's information. In addition, I contacted my hazard insurance company and they also have the new servicer 's information and my insurance policy is also up date. 

When speaking to several clerks and two supervisors at Caliber Home Loans they all dragged me along the same theory and avoided to provided an actual status of my funds. All they kept on repeating was 21 days. I find this egregious and deceiving practices towards consumers. I feel that I have the right to know the status of my funds and I also feel that my funds should be returned to me the soonest, not when some institution feels like doing it. They should have the power to hold my funds hiding behind some internal policy when all has been cleared on my account. I respectfully request an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
When making the purchase XX/XX/17 XXXX the dealer was suppose to fix the a/c. I went XXXX to have the a/c fixed. Stayed at the facility XXXX plus hours and they didn't have the part to fix nor was the part ever ordered because they claimed they couldn't find the part. This was a part of the deal. Weeks went by and still no call to bring my truck in for service. Although I made several calls to arrange for the a/c to be fixed. The dealer didn't hold up their end of the bargain was not held. They have now placed this on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11
Company: Experian Information Solutions Inc.
State: TX
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 have been working with all three credit bureaus. I have sent a copy of my FTC report and all the proper docs that they ask for i am a victim of identity theft

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 2021-02-24
Company: Aspen Yo LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is with Gregory funding previously to them XXXX XXXX had the loan and I guess Gregory funding got of hold of it ever since Gregory funding has had my mortgage I have had fees after fees my payments have gone up drastically to a point that its out of control also Ive tried to get help and they have not given me any options like a loan modification or try to restructure my payments noting and now Im afraid of loosing my home after 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX myWells Fargo debit card was charged XXXX for a purchase I didnt make to firm listed as XXXX XXXX. XXXX XXXXNever heard of them I notified the bank I didnt authorize or use that service.The bank cancelled the debit card and issued a new one. Approx. I attempted to contact the merchant but could not connect with a human, went round and round with telephone prompts but was never able to connect With a individual1 week later I received a denial letter from Wells Fargo on claim # XXXX. 
I called the bank several times to discuss the claim. They claim the merchant swiped the actual card according to the chip read. Dont knowhow since the card never left my person. The bank claims that because the chip was read they cant contact the merchant to discuss the transaction.what recourse do I have. 
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