BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-12
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AmSher Collection Services is erroneously reporting to the consumer credit reporting agencies ( i.e. XXXX, XXXX ) that I have an account in collection regarding XXXX. 

I have had several debt collection agencies call about this, including one in Alabama claiming to be from the " XXXX XXXX XXXX XXXX XXXX. '' Apparently this is some skeezy law firm connected with AmSher. I explained to the collector there, I was XXXX XXXX military and assigned to a XXXX in XXXX. I discontinued service with XXXX at that point. I received a {$0.00} balance letter from them. I switched carriers. Somehow, some way, XXXX sent a " debt '' for collection. 

I have also talked to AmSher and explained the same. I checked my credit reports and I don't see the item having been removed, or even so much as AmSher reporting the account " disputed, '' which, when I talked to a consumer rights attorney, said that alone violated the FDCPA. When I spoke with AmSher, they told me a needed a confirmation number for payment to XXXX. I contacted XXXX AGAIN to verify the {$0.00} balance with a confirmation number. They, ONCE AGAIN, verified that I owed them nothing. I passed this number along to Amsher who then refused to accept this fact and continued to report the debt to my credit. I have done everything in my power and more to get this situation fixed and Amsher is simply refusing to do what's right. They are obviously not doing their part to verify the debt with each of my disputes, and that is not ok.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: IA
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 XX/XX/XXXX I submitted a formal dispute with CFPB ( case # XXXX ) which stated that EQUIFAX Credit Bureau was falsely reporting my student loan with XXXX aka XXXX XXXX account XXXX XXXX as being in collections. I stated that I had in fact been enrolled into the Biden FRESH START INITIATIVE on XX/XX/XXXX which would erase in and ALL negative reporting and put my account in good standing and therefor should ONLY show being Current and On Time with NO negative marks. Please see attached documents to verify. 

On XX/XX/XXXX EQUIFAX sent me a formal letter which had ONLY switch some dates around but STILL showed the account as being in Collections. 

EQUIFAX has now formal violated my rights to a FAIR investigation under 15 US C 1681 Section 603 ( 3 ) ( E ) which States investigative consumer report SHALL NOT include specific factual information on a consumers credit record obtained directly from a CREDITOR!! 
EQUIFAX violated my rights by not doing a formal investigation of my dispute, they have only repeated what the CREDITOR XXXX XXXX aka XXXX XXXX account # XXXX ) has told them or reported to them. They have done no due diligence on their part to get to the heart of the matter. If they had they would have seen that I had in fact been enrolled in the FRESH START INITIATIVE and that there should be NO negative or derogatory reporting on this account. 

EQUIFAX is now also violating my rights under the Biden FRESH START INITIATIVE which states Under The Biden Fresh Start Initiative in accordance with the Education Department states ( 3 ) The negative mark of default on borrowers credit reports will be removed. 

( 5 ) Credit Reporting Changes.Starting in XX/XX/XXXX, defaulted loans held by XXXX are reported as current rather than in collections to credit bureaus. For loans held by a guaranty agency, this shift begins in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My father XXXX XXXX XXXX entered into a mortgage with quicken loans in XX/XX/XXXX. In XX/XX/XXXX my father was admitted into XXXX care at home as the doctors said that he was terminal and all they could do is keep him comfortable. My father was put on XXXX, XXXX and other medicine to keep him comfortable. I was my fathers power of attorney. This loan happened while I was at work. My father was not supposed to sign his name while under the influence of XXXX and while under XXXX. He was XXXX and XXXX years old. His social was XXXX. His loan # with Quicken Loans was XXXX. The comps that was used for his home was not in our neighborhood and they were not comparable to his home. I had the house appraised in XX/XX/XXXX and the house appraised for {$230000.00}. I contacted quicken loans when my father passed away and told them he had passed and they told me that I could make the payments which were {$2300.00} per month, remodify the loan and get a lower payment, mind you keeping the {$300000.00}. I could n't do either of those, I ca n't afford {$300000.00} and the house was not worth this and I would n't have gotten a mortgage since the house was n't worth that amount. I decided to do a short sale on my fathers home. I was living with my father, my mother passed away, he was n't well and someone needed to help him with every day stuff. I tried to keep my dads house and quicken loans would not work with me. They had the house appraised inXX/XX/XXXXagain using comps that should not have been used. They used comps that had been totally renovated, my fathers house needed work. Someone purchased my fathers home for {$250000.00} and we settled XX/XX/XXXX. This was the house that I grew up in and should have been my home. When my father passed away, I heard of 3 other people that this happened to with Quicken Loans. I thought that people were protected from predotory loans. So sad that this happened to me and my father and all Qicken Loans did was call me and harass me about my fathers house. They would not let me buy his house on the short sale nor was anyone in my family aloud to purchase the house. Very sad how they operate. I tell anyone thinking to go with them what happened with my father and to not go with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 

3. The inquiry was not authorized XXXXA Date of inquiry : XX/XX/2021 Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX  Account Number : XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Account Number : XXXX Delete this account.

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 2022-06-15
Company: Experian Information Solutions Inc.
State: TN
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, and 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 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 2018-10-24
Company: Verisk Analytics Inc
State: NJ
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 Versik 's a property and auto form with two forms of ID on or about XX/XX/2018. 

I received my property report however never received my auto report. 

I called Versik twice in an attempt to resolve the issue, however they still have not sent my missing auto 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 2016-08-14
Company: KEYCORP
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Key Bank reported forgiveness of student loans to me as cosigner, which would be reported as my income to the IRS on Form XXXX. This process is a duplicate of the same forgiveness in 2011 for which I have the Form XXXX reported then.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: Experian Information Solutions Inc.
State: AL
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 an attempt to correct my EXPERIAN, XXXX, and XXXX personal credit report ( s ). I have identified fraudulent accounts and inquiries. Please remove and block listed accounts and  inquiries below : Accounts - NAME : XXXX ACCOUNT # : XXXX BALANCE : {$260.00} NAME : XXXX XXXX ACCOUNT # : XXXX BALANCE : {$9.00} NAME : XXXX. XXXX, XXXX ACCOUNT # : XXXX BALANCE : {$400.00} Inquiries - 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 I am requesting the listed accounts to be permanently removed and block from my credit report ( s ). These accounts and fraudulent, unverifiable, and violate my consumer rights.

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 2018-02-09
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
JH Portfolio Debt Equities reported a debt on my credit and i have no idea who they are. I have sent several letters validation and or proof of my signature on any documents, paperwork, Ect. I have not heard back from them and its still on my report. I'm going to fight this to my last breathe. 
Beware of : JH portfolio debt equities. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2023-04-26
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:
XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 and Equifax have 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 an 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 or 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 data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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:
My bankruptcy has been discharged for over 7 years and should not be on my credit report any longer. Also, I pay all of my bills on time but there are XXXX collections that are very harmful to my rating. I paid over XXXX dollars to cover my deductible, co-pays and max yearly out of pocket, yet these collections are destroying my credit. Please look at my credit report and fix all of these areas. I can provide documentation supporting my claims. What is happening to me should be illegal if it isn't already. 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 non-monetary relief
Consumer complaint received 2017-05-26
Company: AmeriHome Mortgage Company, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently acquired b y AmeriHome Mortgage Companys  loan servicing division.     I live in a roommate situation whereby my roommate contributes to the household by making a payment contribution towards the mortgage. We each write a check that when totaled equals the amount of the monthly due payment.     For example :  Amount Due  : {$4000.00 } ( n ot the actual amount, used for illustration ).     Payment  1  ( from roommate ) : {$1000.00} Payment  2  ( from me ) : {$3000.00} Total Payment Submitted : {$4000.00} I called AmeriHome indicating that I would like to send  two checks with one payment coupon each month totaling the amount due of {$4000.00}  I was unequivocally told that if followed this plan, AmeriHome would not ensure that the payments were applied properly, and that the system may not recognize the  two checks as totaling one p ayment.     This is not an industry standard.     I also contest  AmeriHomes  definition of partial payment. If I submi t two checks fo r the total amount due, that is not a partial payment. It is a complete payment using  two  payment instruments.

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 2023-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 this creditor has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 SEction 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: VA
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:
To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not share my information to third party institutions These are clearly violations of my federal protected consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: WELLS FARGO & COMPANY
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Subject : Urgent Dispute for Unauthorized Transactions - Request for Wells Fargo Bank Assistance Dear Wells Fargo Bank Customer Service, I hope this message finds you well. I am writing to urgently address the matter of unauthorized transactions made under the company name " XXXX '' and to seek your immediate assistance in recovering the funds involved. As devout Christians, my wife and I are currently facing severe financial difficulties, exacerbated by the loss of this money. Our family 's well-being, including our ability to keep our home and provide for our impending child, is in jeopardy. 

I want to stress that I have never authorized any transactions with the company " XXXX. '' The unauthorized nature of these transactions is distressing, and we are deeply troubled by the impact it has had on our financial stability. 

Given our precarious situation, we implore Wells Fargo Bank to promptly investigate these transactions and take immediate action to reverse them, restoring the funds that were wrongfully taken from our account. Your timely response and understanding of the urgency and gravity of our situation are greatly appreciated. We rely on Wells Fargo Bank 's expertise and assistance in helping us navigate this difficult time and regain our financial stability. 

Thank you for your attention and support. We are hopeful for a swift resolution that will alleviate the hardships we currently face. 

Sincerely, 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 2015-06-05
Company: KEYCORP
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I graduated from XXXX XXXX University and had taken out a private loan through Key Bank. Since XXXX I had been current on my payments. In XXXX of XXXX I was discharged from a bankruptcy and throughout the entire time I made payments to my loan. In the beginning of XXXX I became behind in payments. I called Key Bank the beginning of XXXX XXXX to get my account up to date and I was given the worst run around from there on. At first I was transferred to a woman from their law office telling me they never received my discharge papers from my bankruptcy ( from XXXX - which is not my responsibility seeing as how student loans are non-dischargeable ). She then told me my account was on hold and to call back in a week. I did call back in a week and I was refused payment numerous times by their employees, sometimes I was transferred to the " charge off '' department and sometimes they transferred me to their XXXX party collections who then said they were n't handling my account. On XXXX XXXX I called and was informed my account had been charged off, with no notice. It is my right to be given notice. They told me they had n't been able to give me notice because of my bankruptcy, but my bankruptcy was closed in XXXX of XXXX. After much persistence I was finally put in touch with XXXX XXXX who handles their bankruptcy cases. I called him several times in the beginning of XXXX and he always said he would call me back but never once did. I sent a written letter to Key Bank outlining my troubles and asked for a written letter back but have heard nothing. I have no information of who is handling my account now because as soon as they charged my account off I could n't make payment on the XXXX XXXX Borrower website where I always made payment. I am upset because my dad is a cosigner on this loan and now this is affecting him.

Company response to consumer: Closed with non-monetary relief