BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-08
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Hi, I lived in a shared apartment with random roommates 2 years back when I was in college. The apartment complex is called XXXX. They are known for malicious practices such as charging residents fees without explanation after move out. I had a fee of {$190.00} which was unrelated to me. I tried contacting the apartment without avail. I received calls from a debt collector 2 years after I moved out. The collector is National Credit Systems and I unsuccessfully tried to dispute the debt. I also called again willing to pay off the debt if I could get something in writing that they will remove the collection from my credit. I was disregarded and hung up on by the debt collector. I 'm not sure what I can do and I need help. 

This malicious activity is a constant practice by these apartments and debt collectors and they really hurt recent grads like me who are trying to start our career. I was n't given any answers and took a hit on my credit because of these practices. This is something that really needs to investigated because I 'm not only one dealing with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: National Credit Systems,Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The original creditor company and its debt collection agency improperly reported negative/derogatory information to the Credit Reporting Agencies without first contacting the debtor about the debt to verify the accuracy and existence of the debt. Despite the debtors dispute of the debt existence via their attorney, the original creditor company and its debt collection agency made false and fraudulent statements regarding the debt and its dispute to the Credit Reporting Agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Personal installment loan debt with Springleaf was settled and final payment of settlement was made on XXXX/XXXX/16. Springleaf has deliberately failed to mark the debt as settled and the past due balance as {$0.00} on any of my credit bureau accounts. Instead, they have updated the balances as if the final payment ( last of 7 previous monthly payments ) was the only payment ever made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: GA
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX 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 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 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 2023-08-08
Company: Experian Information Solutions Inc.
State: NY
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Balance : {$770.00}.

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 Disputing Inaccuracies on My Credit Report TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX years and I have never lived in these addresses reported on my FICO report and incorrect names places on my credit report as well. Please consider this a formal request to investigate and correct the following ( 3 ) inaccurate addresses on my credit report issued by your agency and ( 4 ) different names thats fraudulently not mines. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses/ Names listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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, XXXX XXXX, the consumer, rights have been violated per Fair Credit Reporting Act by Transunion, the accounts were claimed to be investigated or accurate but yet showed inaccuracies. According to the Fair Credit Reporting Act 607 ( b ) this accounts were not accurate. To be in compliance with the Fair Credit Reporting Act 611 ( a ) ( 4 ) and 611 ( a ) ( 5 ), TransUnion has been provided with relevant information ( photographic evidence ) on XX/XX/2022, that these accounts are inaccurate and shall be promptly deleted. This is a clear violation of the Fair Credit Reporting Act. DEPTEDXXXX - # XXXX, DEPTEDXXXX - # XXXX, XXXX  - # XXXX, 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 non-monetary relief
Consumer complaint received 2023-01-04
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted an application to Fay Servicing as of XX/XX/XXXX for a Modification review, which they confirmed receiving it on XX/XX/XXXX. As of today, XX/XX/XXXX, they are stating they can not review the application due to not having enough time because of the upcoming Sale Date for XX/XX/XXXX. Based on my research, and what is noted on their application, it states the full application needs to be submitted by the XXXX day of the Foreclosure sale. If we count 37 days, that would put me at XX/XX/XXXX, which is still more than enough time for review. There was a previous application that I submitted which resulted in a denial on XX/XX/XXXX due to insufficient income, however they did not take into consideration my Social Security income. In this new application I made sure to circle all my deposits and provide the Award Letter. Please, I do not want to lose my home and they refuse to assist me. Please help! 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have been receiving emails about ATM receipts and Store transaction records from Wells Fargo ( WF ) but I do not have an account with them. This has been happening for about 3 years, I went to a WF office in XXXX, Virginia with printed emails to ask about these but they said there were no accounts under my name. I used to have a home mortgage and I believe a checking account that only lived for a short period. I do n't believe my credit report shows any accounts currently open with Wells Fargo but since I just found out about a scheme at WF were they were opening fake accounts for customers I have decided to report this since I do n't want my name associated to money laundering of whatever that scheme could be called.

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 2015-06-15
Company: Windham Professionals, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I received a call from Windham Professionals looking for someone who I have no knowlege of, and is not affiliated with my phone number. The call was received at XXXX XXXX Pacific Time on XXXX XXXX, 2015.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
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: Reporting company used your report improperly

Complaint:
my name is XXXX XXXX and im writting today, In accordance with the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
acct name : XXXX  acct. # XXXX acct name : XXXX acct # XXXX acct name : XXXX XXXX acct # XXXX acct name : XXXX XXXX acct # XXXX acct name : XXXX  acct # XXXX acct name : XXXX XXXX XXXX acct # XXXX acct name : XXXX XXXX XXXX  acct # XXXX acct name : XXXX XXXX XXXX acct # XXXX acct name : XXXX XXXX XXXX acct # XXXX acct name : XXXX acct # XXXX acct name : XXXX XXXX XXXXXXXX acct XXXX XXXX acct name : XXXX XXXX  acct # XXXX acct name : XXXX XXXX acct # XXXX acct name : XXXX XXXX acct # 's XXXX, XXXX acct name : XXXX XXXXXXXX acct : XXXX acct name : XXXX XXXX acct : XXXX XXXX XXXX, XXXX acct name : XXXX acct # XXXX acct name : XXXX  XXXX acct # XXXX has violated my rights.

15 U.S.C.1681 section 602 A. States i havev 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.

these inaccuracies are causing me not to purchase a home or estabish any new 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 2016-01-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I need some assistance with my foreclosure sale date scheduled on XXXX/XXXX/16. I am already in review for a loan modification and have given all the information that has been asked of me for the review. I just need help getting the sale date postponed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX Payment - Same address as the one listed on complaint This item is being disputed is due to communication breakdown between Wells Fargo and XXXX XXXX. I spoke with XXXX from Wells Fargo on XXXX/XXXX/16 at XXXX ( His ID number is XXXX ). I asked why have I not received any email reminders as I have in the past and he had no answer to that. I also received a letter on XXXX XXXX from Wells Fargo letting me know about the late payment, with nothing prior to that. This letter came after the fact, a phone call or email should have taken place to remind me of the late payment per my electronic communication agreement. The payment was made along with future payments, I would like to get the 30-day late payment removed from my credit report, since the payment was made and no communication with Wells Fargo took place reminding me of the payment. I signed up for electronic communication when this account was opened and opted out of paper communication. I should have received my monthly reminders as I have in the past, but that did not take place and was confirmed by XXXX XXXX, that I should have. I also spoke with XXXX ( ID # SWL ) on XXXX/XXXX/16 around XXXX and he did not help in any way, I have not missed a payment with Wells Fargo since I got my Mortgage with them on XXXX. I have always gotten the email communication. I have plenty of Cash in my Checking account, so lack of funds was not an issue. ( I can supply bank statements if deemed necessary ). XXXX also provided me with a phone number which they stated was used to let me know about the payment, but that number was no longer in service ( Since XXXX/XXXX/2016 ). I changed the number on the Online system but according to them that never took place. I would like to have them remove the 30 day notice from my Credit Reports, since they did not provide me with the electronic communication which was agreed upon when I signed up with them. I have worked very hard on my Credit Report and it has decreased by XXXX points due to this matter, which I feel is due to their mistake. 

Thank you very much

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This company DID NOT VERIFY these items pursuant to FCRA 609 ( a ) ( 1 ) ( A ) before placing these on my consumer report. As well as I did not give Transunion written permission to report my non public personal information onto my consumer report. I have a right to privacy. please delete

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 2023-08-08
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX 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 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 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 2016-12-07
Company: A.C.S. Companies, Inc. I
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
ON XX/XX/2016 AT XXXX HRS CALLER STATED SHE WAS FROM ACME DEBT COLLECTORS AGENCY AND SHE WAS CALLING ABOUT THE DEBT I OWED TO XXXX. THE DEBT WAS OVER XXXX DOLLARS US AND I INFORMED HER I DO NOT HAVE IT AT THIS TIME. SHE THEN TOLD ME THAT IT WILL BE TURNED IN TO AN ATTY BECAUSE I WAS REFUSING TO PAY THE DEBT. I STATED I DONT HAVE IT AT THIS TIME I AM NOT REFUSING. SHE THEN STATED THAT I WAS STEALING FROM XXXX AND IT WOULD BE TURNED IN TO AN ATTY. I INFORMED HER THAT I KNOW I HAVE RIGHTS AND SHE WAS VIOLATING THEM. SHE YELLED AT ME WHAT RIGHTS. I INFORMED HER ABOUT THE FEDERAL TRADE COMMISSION. I ASKED HER HER NAME AND TO SEND ME THE INFORMATION BY MAIL. SHE THEN HUNG UP ON ME. I CALLED BACK THAT EVENING TO SPEAK WITH A SUPERVISOR BUT I GOT A PROMPT THAT THEY WERE CLOSED. I THEN CALLED BACK THE NEXT DAY AND SPOKE WITH A SUPERVISOR SHE STATED SHE KNEW ABOUT THE CALL AND WHEN I SAID I WAS CALLED A THIEF SHE SAID THAT DID N'T HAPPEN. I SAID BEING TOLD I AM STEALING IS THE SAME THING. I SAID I KNOW MY RIGHTS AND WAS CONTACTING THE FTC. SHE STATED DO WHAT YOU HAVE TO DO AND HUNG UP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I fell victim to the housing crisis like many around 2008. At the time I was lost my job while simultaneously going through a divorce. I was forced to file bankruptcy. One of the debts discharged in my bankruptcy was a installment loan for a car that was stolen and later recovered. That installment loan was with my bank Navy Federal Credit Union. Once I filed and was discharged the bank cut off online communication. My accounts remain with a positive balance however my access is restricted as a penalty. I was told by the bank that the only way to restore my normal access was to repay the lost of the debt. The bank recovered the vehicle after the bankruptcy and sold the vehicle however, they are stating that not only will be required to pay the debt to gain the access that I previous had but I have to pay the full amount discharged and that the profits from the sale would not be credited. I have read the disclosures I was able to find from when I opened the account and there is no mention of limited or restricted access for discharged debts. Not only is my access restricted but another account for which I am only the secondary authorized user on is also restricted. From my understanding a creditor can not take action for a debt after the debt has been discharge in XXXX Bankruptcy Court. I find this practice discriminatory and a way to force consumers to pay a debt that has been discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made a payment from XXXX Bank online bill pay to Wells Fargo Home Mortagage on XXXX/XXXX/XXXX. Wells Fargo returned the payment on or about XXXX/XXXX/XXXX without any notification or knowledge to me. They started reporting my mortgage as past due a rolling over 40 month past due because of this issue. In XXXX I tried to refinance and found issues with my credit report concerning Wells Fargo. At one point Wells Fargo admitted it was their mistake and an internal error where they had applied the payment to escrow however when audit of escrow showed an overage they returned the payment to my bank when in fact it was ALWAYS MEANT to have been applied to MORTGAGE. I have been working tirelessly trying to get this issue resolved and my credit corrected and all interest and penalties charged to me corrected and me made whole again. I have been requested to give Wells Fargo Information regarding the transaction of XXXX Bank concerning this payment. Please find attached information that I received from XXXX Bank. 
From : XXXX XXXX : Tuesday, XXXX XXXX, XXXX XXXX XXXXTo : XXXXSubject : Wells Fargo payment XXXX/XXXX/XXXX PAYMENT EXTRACT MERCHANT REPORT PAGE XXXX WELLS FARGO MERCHANT ID = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Retail Operations XXXX ( XXXX ) XXXX - Office ( XXXX ) XXXX - Cell

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation