BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: AL
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 applied for an apartment at XXXX XXXX in XXXX XXXX, NJ with XXXX XXXX XXXX and was denied because of an adverse action supplied by XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Experian and XXXX are reporting a bankruptcy and or other adverse actions on my credit report without verifying this information. The New Jersey Court System does not report or verify any information relating to consumer reports with credit reporting agencies. XXXX, XXXX, XXXX, Experian and XXXX are reporting Inaccurate Public Record/s on my consumer credit Report. This has caused damages and are violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. XXXX, XXXX, XXXX, Experian and XXXX have been reporting derogatory and inaccurate statements and information relating to my credit history to third parties ( the inaccurate information ). 
The inaccurate information includes, but is not limited to, a public record judgment/bankruptcy. 
The inaccurate information negatively reflects upon my credit history which is preventing me from obtaining proper housing and loans. It is affecting my character and representation of being financially responsible as a debtor and credit worthiness. 
XXXX, XXXX, XXXX, Experian and XXXX have been reporting the inaccurate information through the issuance of false and inaccurate credit information and consumer credit reports that they have disseminated to various persons and credit grantors, both known and unknown.

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 2020-08-12
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:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. CHAPTERXXXXBANKRUPCTYDISCHARGED XXXX XXXX XXXX {$1500.00} XXXX XXXX {$1200.00} XXXX XXXX {$1500.00} XXXX {$3300.00} XXXX XXXX {$860.00} XXXX   XXXX {$710.00} XXXX   XXXX {$1500.00} US DEPT ED XXXX {$6300.00} USDOE XXXX XXXX {$49000.00} USDOE XXXX XXXX {$3700.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1700.00}

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 2017-01-03
Company: Altisource Portfolio Solutions, S.à r.l.
State: WV
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Recently Altisource XXXX XXXX XXXX has pasted another of these inspection sticker on the front door of a dwelling I have been squatting in for over a year and a half! first time they took all in the house and put it in the center of each room and destroyed the front door lock in addition! I need you to give them a cease and desist order as they are a scam! And as I am a squatter I can not give the exact location just it is XXXX XXXX. thank you 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 2020-08-12
Company: ORG GC GP Buyer, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a credit card with the XXXX XXXX ( XXXX ) before my husband was laid off. We never missed a payment before his layoff. When we was notified about his layoff last year. I call XXXX XXXX ( XXXX ) and let them know what was happening and ask if their was a way to suspended the account. They told me no and that we would have to figure out a way to make the payments on the {$500.00} limit credit card. When we had to stop making payments we only owed around {$300.00}. Fast forward to XX/XX/2020, I called XXXX XXXX ( XXXX ) to try to arrange a pay to delete on the account that now has gone up to {$700.00}. I am told that the account was sold 3 days previously to GC Services and that I must call them. I have never received any validation from them on this debt. But because this is destroying my credit in the middle of my husband and I trying to buy a house I wanted it off of my report fast. I called GC Services on XX/XX/2020 and spoke to XXXX and asked to do a pay to delete and offered {$400.00}. She spoke to her mangers and asked if I could pay {$490.00}. I agreed if she agreed that this would make it paid in full and and not a charge off and she said that it would and I would receive a letter in the mail stating that. Again this was only a {$500.00} limit credit card. I received 2 letters in the mail from GC Services, The first saying they received my payment and my account is settled. The next is stating the date of XX/XX/2020 and the amount of {$490.00} I paid to settle my account. Neither one stating what she agreed to. After the payment cleared they still have the account as a charge off and change the amount from {$700.00} to {$210.00}. I have the whole conversation recorded because I had a feeling they might do something like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I was supposed to receive a discount for having my loan deducted from my checking about at BBVA Compass bank ... I submitted the documents they mailed me in XXXX. I am still not receiving the discount..And everytime I call to inquire..nobody knows anything. I have even resubmitted the document and have received no response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: TOWNE MORTGAGE COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have XXXX XXXX w/ Towne Mortgage and my first XXXX  was paid for work that was not completed nor properly done. He was paid to close a wall ( wall wasn't completely closed ), installing and reframing windows. He was also paid to stucco my property and that was not completed. The plumbing was also done incorrectly and had to be altered by the new XXXX. All windows were not installed nor reframed, he was paid to remove all debris accumulated in the back yard. I had to pay to have it removed by another XXXX. The XXXX was also paid an additional {$3000.00} for drywall that was not installed. The XXXX XXXX  XXXX  found no errors with the first XXXX XXXX work when there is clear negligence. 
My first XXXX called Towne Mortgage and threatened to put a lien on my property. I was told by the bank to just pay the XXXX so that I can move on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: EQUIFAX, INC.
State: LA
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:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XX/XX/XXXX, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found accounts in my credit report that I didn't originate or applied for, these account are fraudulent and need to be removed from my credit report immediately. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, statement are not quialify proof, you must remove the accounts listed below : CAPITAL ONE BANK Account Number : XXXX ; XXXX Account Number : XXXX also filed identity theft report with the FTC with the items in question. 
Please help me resolve this matter, Thank you. 


Remove this account from my credit, do not contact me by phone only contact me by mail or through CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 Complaint is with XXXX  the credit reporting agency and Transunion. XXXX  is only reporting my credit score as XXXX and XXXX is reporting as XXXX, this is due to the fact that they will not remove old issues and public records from my report. I filed a bankruptcy in XXXX of 2012 and the bankruptcy was XXXX in XX/XX/2012, 8 years ago. Every aspect of the bankruptcy has been met and my credit score with XXXX who is no longer reporting the bankruptcy is showing XXXX. I have disputed this fact with both XXXXn and Transunion multiple times over the last year and they keep denying stating it is reporting correctly and it is not. I feel as though this is a prejudice and I am being discriminated against on my credit reports. I am trying to get my score up to close on a home loan and I can not nor have I been able to for the last year due to this mis reported information. My FICO score is showing as XXXX as well however I am being punished for something that happened 8 years ago due to my husbands company going under during the economy collapse. It is seriously by law only allowed to be reported for 7 years after the discharge which is now 8 years ago. Please fix this asap so I can buy a home. I have paid off mostly everything else off in my credit report and this is just discrimination when this should have been removed over a year ago.

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 2023-02-04
Company: D.S. Erickson & Associates, PLLC
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company was aggressive about collecting debt, but then would not provide details on an agreed upon payment plan. Eventually I saved enough to pay the debt in full and they charged the full amount of the debt twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: OH
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 multiple derogatory account reporting to all three credit reporting agency, that do not belong to be, I do not own them any money. I never done business from any of these companies or received services. This is stopping me from buying a home

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 2016-11-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
As A Wells Fargo customer for 25 years, I was sent information for a pre-approved Wells Fargo Rewards Credit Card. So, I applied and was accepted. I wanted to take advantage of the benefits and consolidate some debt. 

I had the account for a few months, awaiting a decision on which other credit cards would be in my best interest to consolidate. I, then, received a letter from Wells Fargo stating they closed my account. I called customer service and the representative explained it was due to inactivity. I explained that I only had the account for a few months, but the decision was policy. 

I asked to speak to a supervisor and received the exact same answer, so because I have a good relationship with the bankers at my local branch, I decided to speak to them. 

I called my branch and spoke to XXXX and she was very helpful. She made an appointment with me to speak to a banker, in person, the following Monday, XXXX XXXX, 2016. 

When I arrived, we called the XXXX number, as I had done before, and the answers were still the same. So, the end result is : 1. Wells Fargo closed my account due to inactivity. When asked what the criteria or time-line was for closing an account, the representative stated their were many reasons for closing an account at anytime, but could not produce XXXX reason. 
2. By closing my account, this will affect my credit negatively, when I did nothing to warrant either my account to be closed or my credit to be affected. 
3. The representative said I could always re-apply, thus running a credit report and affecting my credit. I was already approved, Why should I have to re-apply? What gives Wells Fargo the right to negatively impact my credit, when I have been in compliance? 
4. Upon investigating my options from competitive banks, I will be withdrawing my funds immediately from Wells Fargo. After 25 years of service and commitment, I expect the same from my bank. 

The ONLY remedy I will expect from Wells Fargo is to re-activate my Wells Fargo Rewards Credit Card with a letter of apology and commitment to excellence to me and their customer base.

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 2017-01-27
Company: Navient Solutions, LLC.
State: RI
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:
Account for XXXX XXXX, XXXX, RI XXXX XXXX, I am writing on behalf of XXXX, my XXXX and myself and our struggles with her student loans that are serviced by Sallie Mae / XXXX. When we first signed up for these loans we did some of them through an agency called the XXXX, RI and later some directly with Sallie Mae. Our experience with all involved has been subpar and at times unprofessional from the people at the XXXX when we went back to ask for help and they said they only set them up and we just wanted answers on what the processes are, we being treated fairly and in the repayment process. I am a man of great integrity and I said I/we made the agreement ( s ) and will make the payments. We had and still struggle to help XXXX and in most cases are paying the bill with at more than a XXXX dollars per month and no real end in sight is bending us to say the least. At XXXX point we could not afford to pay them and placed them into forbearance a process I was never really comfortable with but had no real choice to keep other obligations in our life met. The forbearance process was foreign to us and we agreed to pay interest only never told that that was really like paying rent on the loans with zero net affect. At no time were we ever offered alternative payment plans or income based plans that our XXXX could afford in fact we were told they did not offer those programs to our XXXX. Now years later I read that they withheld plans that would have helped from us, to say the least this is disturbing and seemingly illegal at the very least. If a person opened a business and treated people like they have, they would have to answer to someone and more than likely be in jail. My last comment is that we are now and have been paying nearly eleven XXXX dollars a month and the principal goes down pennies on a dollar. I would welcome the opportunity to have more dialogue on these issues and can be reached at XXXX or XXXX. We are not looking for anything free we are just expecting to be treated to the same programs that had/have been apparently offered to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After checking my credit and receiving a copy of my credit report. I noticed an account that doesn't belong to me. I disputed it with XXXX XXXX as well as the company midland funding for XXXX dollars. The issue has not been resolved and the item hasn't been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: RFNA, LP
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Although this complaint had been answered after a long delay, I would like to place it record to demonstrate continued deception and fraudulent tactics used by Wells Fargo towards servicing my loan. 
During a call on XXXX XXXX, XXXX with a Wells Fargo representative advised me that the " XXXX XXXX '' attorneys were appointed by the State of New Jersey and Wells Fargo has no control over them. I sent in an inquiry to Wells Fargo on XXXX XXXX, XXXX seeking clarification. On XXXX XXXX, XXXX, XXXX XXXX called me to state that attorneys represented Wells Fargo but he would not be able to provide confirmation by mail before XXXX XXXX, XXXX. There was a two week lapse in receiving confirmation and Wells Fargo finally acknowledging that XXXX XXXX were retained by Wells Fargo. I believe this was another deliberate misrepresentation by Wells Fargo to delay the processing of information and prevent request for further information from their retained attorneys. The confirmation was finally mailed out XXXX XXXX, XXXX. I believe they intentionally mislead consumers by such instances of false information so that consumer are unable to contact appropriate personell.

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 2020-08-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Disputed information with Experian in reference to XXXX XXXX XXXX. Account was sold to XXXX. 
XXXX repoed my vehicle on XX/XX/20, auctioned on XX/XX/20. I explained to Experian XXXX ( XXXX XXXX XXXX ) had my new address and repoed the truck, as well XXXX intentionally sent the redemption letter to my address, through regular mail ( Not certified- per GA Law ). As well XXXX XXXX is reporting the repo ands showing I never made any payments and reporting the full amount of the contract. I reported the same information to XXXX  ( who has deleted the file ) as well to XXXX  ( no response yet ). I sent Experian screen shots of payments, which showed the original amount of the contract and they still updated the information as Accurate. I personally believe they did no investigation and just updated it without reviewing.

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