BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-02
Company: Bayside Credit
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:
i made payments in advance to this company which is a simple interest loan not a compounded interest loan. this company reports daily interest charge as my principal balance. causing my credit score to go down. on a simple interest loan per california law is computed on a daily rate based of the apr on the principal balance from the date of the last payment to the date the next payment has been received. i made my first 2 payments early. and after that i have paid for several bigger payments. the company then reported to transunion the interest accrued prior to receiving the next payment making my principal balance increase. the credit bureau in turn lowers my credit score believing i missed a payment. i called the loan company to ask them why are they doing this to me. and to please follow the law in regards to reporting the principal balance correctly. every time i make a payment they report to the credit bureau a few days before the payments due the principal balance plus the interest charge always making my actual principal balance higher than it actually is. i sent documentation to the customer service rep. to show him exactlly what i was talking about. he acknowledge that my credit report reflect the interest is included in my principal balance instead of listing the correct principal balance. today i went to check on my credit score and i saw my score went down even further because the company had attached a statement to my report. unfortunately i can not view this statement but it is derogatory because it caused my score to decrease even further. so instead of helping me raise my credit score they are deliberatly using evil practices to hurt me. i dont understand why. i am a good client i dont cause any issues i make my payments online and i never have been late yet they treat me as if i am a bad client and even go out of thier way to hurt my credit score. i never have dealt with a company who punishes thier good customers. and i have a more in depth credit monitoring account and i saw on there that they ran my credit report multiple times for 3 months i seen it ran every day for a week then a week later it was ran multiple times yet again. must have been at leadt 14 times. as you can see in the attachment that i provided that my score was affected by going down XXXX points because of the remark they added. instead of it going up because i made a payment it went down and XXXX points is a lot.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Experian Information Solutions Inc.
State: SC
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:
I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 about the accounts listed below. These accounts are showing late payments and I am sure I have never been late. I have requested a statement proving the late payments, but no verifying document has been received. The following accounts are reporting incorrectly. 

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 2020-10-19
Company: Source Receivables Management LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I installed XXXX service from a third party. On XX/XX/XXXX I called to cancel service with this company. I was well within the terms and conditions of the contract. I canceled services before due to they were unable to provide me with invoice billing they stated it had to be automatic billing. I spoke to several rep including two supervisors from  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I was even given a credit due to the invoice of what I was experiencing from this company. I was harassed on multiple occasions stating I owed all this money when the services was canceled within the terms. I even called the corporate office on XX/XX/XXXX and they were going to get rid due to this was canceled within the timeframe per the contract. This company never notified me that this is an attempt to collect a debt and I didn't even have the chance to dispute. This has caused me a tremendous amount of hurt due to my credit score has dropped due to their false statements as if I was not paying this account which was canceled. Again I was not notified at any time and given the time to dispute before this hit my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Tried calling the company on XX/XX/21 to go over account was advise that they sent out notice and a settlement offer advise did not receive! Ask to provide information and was advise they will not! And do not have to go over that information! Asked for a higher representative and was advise no! Rep on the line then advice she is a supervisor ( which goes against udapp : miss representation ) then I was placed on hold for at least 5 minutes! Tired to call back and was passed around the company just advise pay your bill! And that they will just advise Im refusing to pay advise the reason for the call is to resolve advise then pay thats how I can resolve bill. Advise Im trying to get an understanding of my account and was advise as long as I understand that the balance is due nothing else is important PAY YOUR BILL no need to talk about anything else and the call was disconnected.

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 2021-04-02
Company: WELLS FARGO & COMPANY
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:
On or about XX/XX/XXXX I applied for a loan modification with Wells Fargo. I was given a trial period to make reduced payments and once I for-filled that trial, I was granted a modification which lowered my monthly mortgage payments. To my dismay, Wells Fargo reported a total of 14 late payments during the time I was in an agreed upon trial modification, followed by reduced payments going forward. On or about XX/XX/XXXX, I reviewed my credit report and disputed the late payments. My dispute included several mortgage statements and our agreement which outlined the terms of the trial payments and the modified payments going forward. Unfortunately the dispute came back verified and no changes were made correcting this inaccurate information. I do not believe anyone reviewed my documents, however I have the proof all payments, during that time, were made on time and should be enough to remove the inaccurate information being reported on my credit report. This incorrect reporting by Wells Fargo has caused me a great hardship and by me having a signed agreement outlining the modified payment and the lower mortgage payments, should be enough for Wells Fargo to stop reporting late payments that were never late. 
In addition to Wells Fargo reporting my on time modified payments late, they never charged me a late fee which should help prove my defense that they are reporting incorrectly on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: BANNER CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Banner Bank manager who closed my debit card for 5 disputes in 8 months never sent my closing balance. They knew I was moving. I never received the check and Banner refuses to do a direct deposit or wire transfer. {$850.00} was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
THIS IS A CONSISTENT PROBLEM THAT I 'M CONTINUINING TO HAVE. 
ON XX/XX/XXXX AND XX/XX/XXXX MY BANK ACCOUNT WAS DEBITED IN THE AMOUNT OF XXXX BY A COMPANY CALLED XXXX. I NEVER RECIEVED THE MERCHANDISE AND I FILED A DISPUTE WITH MY BANK AND THEY CREDITED ME BACK THE XXXX ON XX/XX/XXXX, I RECEIVED A LETTER FROM MY BANK STATING THAT ON XX/XX/XXXX, THE CREDIT WILL BE REVERSED. THIS IS UNACCEPTABLE AND I WANT AN INVESTIGATION INTO THE MATTER. I SHOULD NOT BE PENALIZED FOR MERCHANDISE I NEVER 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 2023-05-21
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted These companies to try and dispute these charges. That were done falsely in my name. And through these actions. My accounts were reported through debt collectors, despite Me. Going through the proper channels and explaining. Explaining that this was identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Unable to change or update any information on Experian product service. System is not allowing any updates.

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 2023-05-02
Company: Experian Information Solutions Inc.
State: TX
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2019-02-21
Company: EQUIFAX, INC.
State: TX
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 have requested in writing to Equifax credit reporting agency to block/remove a creditor from my profile. Equifax has failed to complete their investigation in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

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 2019-02-21
Company: 2288984 Ontario Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
borrowed XXXX do not agree with payment agreement due to loan sharking activities for such small amount. trying to make pay XXXX dollars .will be willing to find affair resolution to this exorbitant amount of interest that they are asking for yours truly XXXX XXXX let be known it was done due lack resourses when I requested help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
Midland Funding put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Midland Funding also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 4. Consumer address at which original account was opened 5. Date of first delinquency 6. Itemized calculation of alleged debt If Midland Funding is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent, request account deletion from all credit reporting agencies, and request that the account not be sold or transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am the Victim of Identity theft and have filed an Identity theft complaint # XXXX with all 3 credit bureaus against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX about this account that is showing up on my XXXX credit report collection item in there for which does not belong to the above : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX.XXXX Reason number one why this collection item is not mine it's because on XX/XX/XXXX the above submitted a identity theft case with the Federal Trade commission 's office copy and closed, Reason number two is the above according to his credit file is XXXX and drawing Social Security which also means that the above is drawing full medical benefits identification information enclosed : XXXX XXXX XXXX XXXX XXXX  Health plan # XXXX Member : XXXX XXXX XXXX State assigned ID : XXXX PCP name XXXX XXXX PCP phone : XXXX Effective date XX/XX/XXXX And the above information states that with full coverage XXXX  they would be no reason for me to go to an outside source and generate a bill when I have full coverage insurance since XXXX when you verify this information please remove this collection item from each of your list, Reason number three as of XX/XX/XXXX and buy the request of the above the Federal Trade Commission also issued a identity theft alert with all three credit bureaus this charge from this facility is for XX/XX/XXXX is there for non valid under my identity theft alert request. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We built our house in XXXX, and we put {$7000.00} down payment. My husband name was put on the mortgage and both names put on deed. This allow him to qualify for the first time home buyer. I purchase a townhouse when I was XXXX in XXXX and stayed there until XXXX. I refinance my townhouse and got {$20000.00} to furnish our new home. We receive a letter in and around XXXX from BOA stating we were behind in our mortgage and we had not made a payment in 2 1/2 years. This was a mistake we hadn't miss a payment. 
My husband was a engineer on the Railroad bringing home {$5000.00} every two weeks. I thought it was a honest mistake and it would be corrected without a problem. This turn into a 10 year nightmare. The only thing that change in our life was lawsuit against XXXX XXXX. This was retaliation against me. A XXXX XXXX XXXX XXXX XXXX sent from Corporate was made Store Manager. Her first target was me. She walked in my office the first thing she said was do you work in bookkeeping and computer room. I said excuse me. My name is XXXX and I work in computer room. Then she said all of that is about to change. I said excuse me can you tell me what the changes are, so I can decide what I'm going to do. She then got mad and went into Human Resource Office and said I had attitude problem. That's when our life changed. She started firing older XXXX and replacing them with XXXX. I file charge with XXXX and 8 or more people did the same. XXXX refuse to do a Class Action. I hired attorney did deposition. The only thing there lawyers want to know each one of my family member 's name, age, and where they work. My husband was included and he was a target. I request payment history. The documents was altered. It was ridicule. We went to Hud for help they said they couldn't do anything been 24 months behind. I went to XXXX and BOA said that was a 3rd party and they don't work with 3rd party because there name was not on the loan. We tried getting in the program where the government would pay 2 years of mortgage payment. Since we supposedly was 2 years without making payment we couldn't get in that program. We were " XXXX XXXX  '' you can put my name in computer and I come up on a watch list. This loan had 5 loan no. and 4 FHA no. and Hud refuse to do audit. This is there department. You would think they would want to investigate the FRAUD in there on dept. Just like when I made that complaint about XXXX putting my house in Foreclosure which was retaliation. ( My husband XXXX XXXX XXXX give me permission to speak on his behalf. His name is on mortgage and XXXX XXXX and XXXX XXXX XXXX is on the Deed. We are not signing any documents that BOA give us to sign. Due to the Fact we don't Trust anything they do or say )

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 2019-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Portfolio Recovery Associates, which is the name of the company who is repeatedly calling me, continues to harass me almost daily about a debt that has been written off more than 7 years ago. I asked for them to stop calling me and they refuse. I received a call from them today waking me up out of my bed at XXXX from XXXX , TN from this number : ( XXXX ) XXXX, Thursday from XXXX XXXX , MO , at XXXX, from this number : ( XXXX ) XXXX, Wednesday from XXXX KY , at XXXX, from this number : ( XXXX ) XXXX I need it to stop!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11
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:
I requested my credit report around 3 months ago. and after carefully reviewing my credit report I notice some inaccuracies such as late payments collections account and charge-off. since then I have been back and forth with the bureau 's and the Creditors that are reporting these accounts. this particular account I do not recognize so I sent the bureau 's more than 2 letters requesting the documentations they used as a proof to place this account on my credit report which they have no provide yet. 

all I need is this account permanently removed from my credit report. I am trying to keep up with my credit and errors like this account are keeping from having a good 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