BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-08
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
- We applied to get our PMI removed in XXXX of XXXX through a BPO which Wells Fargo has as an option on their website and for their loan/mortgage holders - Wells Fargo sent someone out in XX/XX/XXXX to do a walkthrough of the house we did not pick this person ( more than 30 days after our initial inquiry ) - XXXX through XXXXX - Third Party rejected the BPO that was sent in due to square footage ( we finished our basement so SF was increased ) - A second person contacted us to do an Appraisal rather than a BPO ( note this person was also sent by WF we did not pick them ) o Date set for XX/XX/XXXX o They cancelled on us a few days beforehand, saying WF did not approve of them coming - Third person contacted us and set a date for XX/XX/XXXX o They walked through the house o WF / Third Party ( whoever pays the appraisers ) did not get contract correctly or on time o Appraiser did not release information o WF opened a case and was looking into it ( supposedly working with XXXXXXXX who has not returned phone calls and messages ) - On XXXX we got a letter in the mail saying our request for BPO was being cancelled and that we did not respond to an appraiser who tried to get ahold of us o We worked with three people o Two of which walked through our house and made up reports o One cancelled o We have now taken off of work and made adjustments 3 times - Wells Fargo is not returning our calls or messages regarding this issue o Both myself and my husband have been trying to get ahold of XXXX or his superior with no luck Please note that we have been investigating The Homeowners Protection Act of 1998 ( amended in 2000 ). This is also known as the PMI Cancellation Act. We have a good payment history, we are current, we have submitted a request to remove the PMI, and we have done everything required on our end to show that our house has increased in value and that our loan balance is less than 80 % of what the house has been appraised at. 


We paid up front for the BPO to be done, and are now paying every month for our PMI which is over {$250.00} a month.

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 monetary relief
Consumer complaint received 2018-03-26
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
We turned in the XXXX XXXX XXXX a week early on XX/XX/2018. At the time of returning the vehicle, we forgot the 2nd key to be returned. We were told to bring it back as soon as we could with no deadline outlined or fee discussed. We returned the key some time in the middle of XXXX and yet were sent a bill for the disposition fee, exterior damage ( which did not exist and has since been waived ), and a lost key. XXXX XXXX told us to have the dealer email XXXX to confirm the key had been turned in. They did so. Upon calling back in 6 days after that email to confirm that the account was all paid and resolved, they claimed to have not received the email ( which I can provide ). They then claimed that they could not ask the dealer for money and that somebody needs to pay them for this key, me or the dealer. I've done what was asked of me, and yet they continue to move the goalposts to demand payment despite our completion of our obligations and following of the dealer 's and their instructions to closeout the lease.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-05
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX : This vehicle was destroyed in a weather related accident on XX/XX/XXXX. 
I have spoken to XXXX XXXX XXXX XXXX numerous times that they continually report to the bureaus account is still be paid and in good standing. 
I have told XXXX and XXXX that I have not had vehicle since the date listed and they have since removed it. Equifax refuses and XXXX XXXX states that because I continually speak about it, that each interaction extends the trade that much longer. 
Further, Equifax is also stating that I have negative payments, yet I am paying as agreed with a XXXX balance. In XX/XX/XXXX, I received a letter clearly indicating my account was paid in full, yet they still report. My account was reported as inaccurate and would be corrected. My wife was a co-signer and all of her information has been purged, yet mine has not. 
Would like this removed once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: AMCOL Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AMCOL SYSTEMS continued to report a collection account on my credit when the debt was paid in full XX/XX/XXXX. I've attempted disputing this account twice with all bureaus in addition with them directly and AMCOL Systems continues to report it as a collection account which has prevented my credit score from improving and is negatively impacting my ability to develop future credit worthiness. 

Amount of Debt originally owed XXXX Amount and date of last payment XXXX XX/XX/XXXX Last reported collection on credit XX/XX/XXXX and is still present today Today 's date XX/XX/XXXX AMCOL SYSTEMS XXXX XXXX XXXX XXXX, SC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
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:
Submit document for XXXX XXXX earlier this years receive paper confirmation that the history or the account will be removed because company took to Long to respond and there was no proof of the account. The account was being mailed to wrong address and the wrong email I never received any bill. Results stated on paper that they will remove the historical data of the account but it 's still posted I have been fighting this for months even though I have the paper work. Now that I have paid the account off the historical data is hurting my credit file. I 'M REQUESTING THE ACCOUNT BE REMOVED FROM MY REPORT. Or the historical data all be deleted. 

Also the address and the social variation is not mine.. I keep sending over documents to get these address removed and I also have active alert but I keep seeing address being added to my account and address staying the I do not know. THESE ADDRESS ARE NOT MINE. MY ADDRESS IS XXXX XXXX XXXX XXXX. ALL OTHER NEED TO BE DELETED

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 2022-12-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There is a fraudulent/unauthorized inquiries listed on my consumer report that I did not give anyone permission to pull. My consumer and privacy rights have been violated pursuant to 15 USC 1681 ( B ) ( C ). I demand to be provided strict proof of my consent to furnish this information on my consumer report or delete the items immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08
Company: I.C. System, Inc.
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 have received an alert that IC Sytems has place two collection accounts on my credit reports. I dispute this debt and request debt validation and copies of all physical and electronic files sent to this company concerning this debt. This includes copies of contracts for service, Identification used to open account, billing and accounting for all amounts that claim to be due- There are two accounts one in the amount for {$190.00} and {$390.00} company XXXX XXXX . Please accept this letter as notice and I would like copies of these documents within 30 business days according to the FCRA and FDPCA laws. 

I called today at XXXX and was transferred twice they had no information and could not pull up my account. 

Please do not contact me by phone only mailing correspondence.

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 2020-12-09
Company: GRANDVIEW FINANCIAL SERVICES 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 have never had and or signed a loan with either parties, i have never signed with my signature with this company of any loan and or any terms, the old ownership of the dealership no longer there to resolve issue, i am preparing a lawsuit for small claims court for violation of several fcra and fdcpa violations, i am giving company 30 days removal of item otherwise will proceed forward with lawsuit with damages caused to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Credit Control, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX at XXXX XXXX  a representative named XXXX called me stating he needed to verify my social security number for a business matter. I requested for him to disclose where he was calling from and he insisted that i needed to verify my social prior to. After explaining to him that he must disclose who and where he is calling from he stated it was credit control llc. He would not provide any further info regarding what the debt is. I requested he not call back. 

On XX/XX/XXXX at XXXX the same Representative called back requesting i verify my social again for a business matter. Again he did not disclose where he was calling from. He stated that he had my full social security number, my date of birth, and address. I told him if he had my address why have i not received any documents regarding said debt. He got annoyed and insisted that it was MY JOB TO UPDATE MY ADDRESS EVERY YEAR. I told him if he indeed has my info to send a debt validation letter and to not call back, that i would once received.

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 2021-09-08
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
May 0f 2021 I received a 0 % balance transfer offer from Barclay's/Frontier Mastercard . On XX/XX/2021, I used one of the promotional checks and made it out myself to deposit in my bank account. The check was returned NSF. Barclay's/Frontier charged me a return check fee of {$26.00}. I am disputing this fee. I contacted Barclay's/Frontier several times concerning this issue. I was informed by reps from Barclay's/Frontier that the promo check that i deposited was from a " closed account '' and that the return check fee I was issued is a valid charge. My account is open, in good standing with an available credit line of {$23000.00}. The check that was deposited was for {$18000.00}.

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 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Because of the COVID pandemic Californians have credit score protections in place that are supposed to prevent creditors from reporting late payments. 

https : //covid19.ca.gov/get-financial-help/ # credit-score No credit score changes Available to all Californians Automatically prevents late or missing payment info from being shared with credit reporting agencies This protection is available without any action on your part. 

Well, XXXX XXXX  and XXXX XXXX both reported late payments. I have tried disputing these with the Credit Reporting Agency and have had no luck getting them removed. I already previously filed complaints against XXXX XXXX  and XXXX but they have done nothing to help ( going as far as outright refusing to remove stuff even when other creditors did ).

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 2017-12-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing inaccurate names, addresses, phone numbers, employment, inquiries as well as public records since XX/XX/XXXX.  I have never received an updated report from Equifax or XXXX concerning these matters as of XX/XX/XXXX. 
All 3 has told me to contact the companies of the inquires and have them to delete, I did that at least 3x with all and was told that it 's up to the bureau to remove. I 'm not saying all are not mine but MOST of them are not and I have sent in a list to all 3 bureaus multiple times over the past several months. I have requested from all 3 bureaus to provide me proof as I am entitle to have, that was provided to them from there investigation for my public record, I have not received any documentations from either bureau as of XXXX. I also have a identity theft police report on file with all 3 bureaus. 

Hear is a list of the inquiries that are not authorized : EQUIFAX : XXXX/XXXX- XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX XXXX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX : XXXX/XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX-XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX EQUIFAX INACCURATE PERSONAL INFORAMTION : NAME- XXXX XXXX EMPLOYEMENT- XXXX XXXX XXXX XXXX : NAME : XXXX XXXX I ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX : ADDRESS : XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX , IL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
At XX/XX/XXXX, I applied the Marriott XXXX XXXX credit card with the promotional offer of 'XXXX Bonus points after you spend {$3000.00} on purchases in your first 3 months from your account opening a with your Marriott XXXX XXXX credit card. ' I fulfilled the requirement and never received the bonus. 
I called Chase Bank to resolve not receiving the bonus around XX/XX/XXXX. They claimed my application did not come with such offer. Therefore, I would not receive the XXXX bonus point.

I would consider this was a lie for the following reason : 1. Chase Bank website is showing such offer and I applied through that website. 
2. I once called Chase around XX/XX/XXXX. I ask if I could have a match to the offer during that time which was XXXX Bonus point. During the conversation, the representative clearly mentioned my current offer was XXXX Bonus points and he would applied for a match to XXXX  Bonus point. 
It is extremely disappointing for Chase, such established bank, not honoring the promotional offers and it is even disgusting to tell lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from XXXX XXXX  where they told me the account in charge-off status was placed with Central Collection Services collection agency. I was never notified about my dispute rights and no documents were sent to me. I want you to send me all the documentation you have. Prove that you have rights and a licence to collect the debt in my state. 
What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

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 2019-04-01
Company: Synergetic Communication Inc
State: AZ
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:
Upon review of my credit report in XX/XX/XXXX it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by separate collection agencies, one being. Synergistic Communication Inc I sent a original certified and notarized letter requesting validity on the alleged debt in XX/XX/XXXX, to Synergistic Communication Inc, and requested items be deleted per my report if validity not received in the allowed time frame. I received a response statement claiming it was a valid dispute and provided documentation, I sent a response letterXX/XX/XXXX disputing the information and bringing to the attention of the dispute personal the signature on the provided paperwork is not mine and provided reference to the chain of documentation that has been certified an notarized in correspondence to this matter to prove this claim. I requested they remove the information from my credit report and report this to all three major bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I bought at beginning of XX/XX/2019 some products in XXXX since the bill was a little high. I took the offer the same site was offering to finance with this company XXXX. Long story short, I returned products for end of XXXX ( XXXX and XXXX to be more exact ), I informed XXXX and XXXX of this. Few days after my loan for this devices already return was expiring and there is that XXXX started to send me text, phone calls, emails saying that I was responsible to paying loan no matter if I return device or not (??? ) I respond to every text, phone call and email regarding this situation and explaining how Wasnt in my hands to resolve this, since the products were with XXXX already and they were taking long time to analyze. Finally XXXX sent half of the payment, dont know why only half. But that made XXXX continue annoying me with a debt I Supposedly have, for XXXX XXXX finally sent all the amount. And XXXX finally report account as paid, but the problem is. They report this to Experian. As a Delinquency account, that after I complaint to Experian they finally recognize as paid but left unpaid historial on my report, that that only thing reduce my credit score from the 730s /740s to the 630s. I reported, but dont seems like XXXX or Experian care on cleaning this unfair situation.

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