BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: NC
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:
Please be advised this is my FOURTH WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. Account Name : XXXX XXXX  Account Number : XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX ; Account Name : XXXX XXXX, Account Number : XXXX ; Account Name : XXXX XXXX, Account Number : XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; Account Name : XXXX XXXX, Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; and Account Name XXXX XXXX XXXX XXXX, Account Number : XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed. * Please remove all non-account holding inquiries over 30 days old. Thank You, 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 2022-09-18
Company: APEX Asset Management, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I was a patient at XXXX XXXX, in XXXX Two bills were established, one for the medical facility and one for the emergency room doctor. The bill for the emergency room doctor was {$400.00}. Apex asset management llc of XXXX PA has been calling me and telling me, in writing, that I owe this bill. I explained multiple times of my two insurances and that both insurances would have covered the bill IN FULL. They continued to bill me. I have since learned that Apex asset management submitted the bill to the primary insurance using an INCORRECTLY spelled last name. I called the insurance company and they stated to me they never, ever received a bill for the doctor or a bill from Apex ; yet Apex told me they submitted the bill several times. This bill should have been paid when first submitted to insurances, but the last name has been spelled incorrectly ; although the last name on my patient chart is CORRECT. Apex told me on XX/XX/XXXX they were submitting the bill, AGAIN. I have never heard back from this debt company and need to have them be accountable and clear this matter up. There is no communication or follow up to know that they have finally corrected the billing name and submitted the bill to the insurances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions 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: 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 confidentially under 15 USC 1681.

15 U.S.C 1681 Section 604 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 then seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-09-18
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hi, I and my wife were tenants of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and were in the process of vacating the property. We moved out most of our stuff except for a few items and a mattress and were surprised to see it occupied by other tenants when we came to finish the clean up. 

1. The apartment was leased to us till XX/XX/XXXX 2. On XX/XX/XXXX we received a statement dated XX/XX/XXXX including unpaid rent and repairs for {$2600.00} 3. On XX/XX/XXXX we disputed the charges as : 1. Rent was being demanded for the period the apartment was leased out to other tenants. 
2. Repairs were carried out during the period the lease was still active and we were in the process of cleaning up at their own volition 3. No evidence of damage was provided for repair charges. 
Returned the keys. Sought damages for property destroyed. Requested a response in 5 days. No response was received. 

4. We received in writing on XX/XX/XXXX a letter dated XX/XX/XXXX from Hunter Warfield a debt collector on behalf of XXXX XXXX XXXX for an amount of {$2600.00} attaching the same original charge sheet sent on XX/XX/XXXX by XXXX XXXX and no additional evidence or response provided. 

5. My attorney disputed the charge in writing on XX/XX/XXXX with XXXX XXXX XXXX 6. On XX/XX/XXXX I see a collection placed on I and my wife 's account 7. This has damaged our credit ratings and reputation severely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My previous complaint with first interstate bank is that they appeared to not have the successor in interest process. It appears to still be the case. I provided them with the information on XXXX and they should have responded within 30 days. Almost 4 months later they have not responded. I dont think my complaint should be closed this time until the whole process has been completed. It is clear that they continue to be in violation of the successor in interest rules and ignore to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
You all closed my previous dispute and did not remove the items or do what needs to be done! I was a victim of identity theft back in XXXX  where an auto loan was taken out in my name fraudulently. After speaking with XXXX advising that the loan is not mine they told me that I am responsible for it due to the individual having all of my information. The bankruptcy DOES NOT BELONG TO ME and needs to removed from my credit file. XXXX has already deleted the bankruptcy and I am needing you all to follow suit and do the right thing! THE BANKRUPTCY DOES BOT BELONG TO ME!

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 2022-04-24
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: 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 confidentially under 15 USC 1681.

15 U.S.C 1681 Section 604 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 then seven years. 

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 2022-08-22
Company: Experian Information Solutions Inc.
State: TX
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 : 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

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 2022-08-22
Company: EQUIFAX, INC.
State: TX
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 : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The XXXX  XXXX XXXX account that appears on my credit file has been charged off since XXXX. I recently paid/settled this account in XXXX of XXXX where at that time XXXX  XXXX XXXX then updated my credit reports to show that the account was CHARGED OFF in XX/XX/XXXX. This false and inaccurate information is damaging my credit profile and affecting my ability to purchase a home. I have spoken to XXXX XXXX XXXX about the reporting issues with this account and they have claimed that it would be corrected in 90 days and to date that time period has passed and each month this account reports falsely to my credit file. I have attached my Experian credit report where you will see XX/XX/XXXX now repprts as CHARGED OFF.

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 2022-06-23
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint Mortgage Servicing, on behalf of XXXX, is committing fraud. 

On XX/XX/XXXX we received two letters in the mail. One letter was dated XX/XX/XXXX ( see attached ) and told us that if we made a payment by XX/XX/XXXX we would be granted a deferment ( we are trying to exit forbearance ). 

The second letter informed us our right to a deferment was denied because we failed to make payment by the required date ( presumably XX/XX/XXXX ) Neither letter came with a time machine. 

I therefore believe Shellpoint, on behalf of XXXX, is committing fraud. They are writing letters dated for a time in the past, and sending out at the same time a letter denying our exit to COVID forbearance, presumably to try to force us into foreclosure or otherwise take a less desirable path to exit forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Wells Fargo will not comply with my requests to obtain my lawsuit award monies from unauthorized fake accounts and unauthorized bank charges. Unwanted calls and infrigment of my life. 

Wells Fargo has All Documents regarding my account opened in XXXXXXXX XXXX 
I resided in XXXX XXXX  XXXX and XXXXXXXX XXXX. Wells Fargo has all documentaion, which I provided to settle this lawsuit. 

XXXX XXXX provided my State of XXXX XXXX XXXX. Wells Fargo has my new XXXX of purchase with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX. SS XXXX XXXX XXXX There is no further need to verify my identity. This is a continual complaint. This is harassment and is unwanted. 

I have been provided phone numbers that no one answers at Wells Fargo and harassed continually by Wells Fargo, which is abuse. 
I have provided every document to Wells Fargo per request. The State of XXXX  and the United States Federal Goverment also has the same documents which has been provided Wells Fargo. 

Also, ( XXXX ) is an inoperable phone number to contact XXXX XXXX Executive Office Case Specialialist provided by Wells Fargo. I called several times before XXXX am Central time. All calls failed to this number, Documented time in XXXXXXXX XXXX is XXXX. 
XX/XX/2022. In the past when I requested financial assistance I was provided numbers where this was noted. No bank associate responses back.

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 2022-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unauthorized transactions occurred on my account due to my wallet being stolen. Whoever made theses transactions had my ID, my PIN, and my signature which is also on my ID so they were more than capable of forging or using my card to make these transactions which totaled {$1300.00}. NONE of this was done by me and Bank of America baselessly claimed that I am responsible for this because " The charge was authorized by you or made by someone who has permission to use the card or account. '' I told them that these charges were not done by me and nobody has permission to use my card or account except for me. I can provide some kind of general proof of where I was on this date that theses charges occurred to help prove that they were not done by me as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: MN
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:
The following credit card accounts currently listed and showing on my Equifax and XXXX credit report is lost/stolen : XXXX XXXXBalance : {$330.00}, XXXX XXXX XXXXBalance : {$380.00} XXXX and XXXX XXXX XXXX/Balance : {$500.00}. The following collection account currently listed on my Equifax credit report is a fraudulent collection account and not my collection account : XXXX XXXX XXXX, Balance : {$5600.00}. The following credit inquiries listed on my Equifax credit report are fraudulent credit inquiries and not my credit inquiries : XXXX XXXX XXXX XX/XX/XXXX, and XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
For several months Ive been in dispute with experian not just fraud account reporting but expierian itself is fraudulently operating a money ponzy scheme. They in of themself are clearly with intent for fraudulent gain and enrichment not filing disputes at all, limiting what one can say in a dispute making themselves unavailable for any one consumer or not no contact at all. They are charging XXXX enriching themselves by the ponzy scheme they dont report disputes and if they on rare occasions do its not as writen so the dispute goes no where the consumer continues to be a customer attempting to dispute fraud accounts in their name and the cycle repeats the problem never resolved and thus stealing from millions.

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 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting an account on my credit. XXXX XXXXXXXX, the original creditor mistakenly sent this to collection even though I was covered by insurance. Out of good faith, I satisfied the balance and was told the account will be removed from my credit but it has yet to be done. Please delete this account from my credit.

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 2022-06-23
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-09-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief