BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-15
Company: EQUIFAX, INC.
State: NM
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:
Around 3 years ago I was contacted by an attorney about a class action law suit against XXXX XXXX, now called XXXX. The law suit claimed XXXX to be guilty of predatory loan practices, which made sense as my student loan interest rates were around 10 %. XXXX was served with a cease and desist on collecting debts from me that was signed by a judge. The lawyer asked me to stop paying my private loans. I did. I was never contacted by XXXX since that letter, so I know they received it. 2 years go by and the lawyer stops helping me, taking nearly {$4000.00} of my money. I realize her advice has been terrible. I file a complaint with the California state bar. Since then she has been disbarred for her actions. Around a year ago I contact XXXX and explain the situation. They said if I sent them a letter and paid my bills off including their fees that I would be fine. This past week I find out they have 2 reports that I defaulted on my student loans, even though I paid all my bills off including fees and have been paying them what I owe every month online. Their website says I am current on my statement. I call multiple times attempting to resolve this situation, repeatedly being told their is nothing they can do. They still send me a bill every month for the private loans, even though they have written the debt off and set it to a collection agency. At the least their actions are highly unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Experian Information Solutions Inc.
State: NV
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 am having a serious problem with XXXX XXXX every time I send a dispute out regarding accuracy of account they retaliate and put a charge off on my account for that month of the dispute they put one on my account for the month of XX/XX/XXXX and another charger off for the month of XX/XX/XXXX this  account has been closed for three years. I do have a small balance on the account and they keep updating with a charge of ding. This charger off update reflect on my credit as an actual charge off currently for that month not the original charge off and closing date which was three years ago this is seriously affecting my credit. I believe they are in violation of FCR rule 609 and 623. They are update my account with a " Charge off '' and it reports as a Recent Charge off this is NOT ACCURATE AND VERY MISLEADING on my credit report. XXXX is using the right to update clause to report negative and inaccurate Charge off dates monthly as RETALIATION for my disputes. First they added a negative remark " Bad Credit '' and then a " Fail to Pay '' and " Charge Off ''. My Acct. was close XX/XX/XXXX. i am paying off my debt with XXXX debt regularly directly to them. My balance is {$250.00}. Which will be paid off soon.I wish to file a complaint regarding accuracy of the Charge off date reporting on my credit report and the RETALIATORY effort by XXXX XXXX to purposefully XXXX character through negative reporting to the credit bureaus.

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 2018-08-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
last year XX/XX/2017, i answered an ad from my mortgage comp Wells fargo. 
# 1 home campus XXXX XXXX la XXXX//.XXXX  to refie my mortg with them i want to lower my monthly payments the promo they sent me was what I needed at the time, my job was suffering financial cuts Loan # XXXX. 
after drowning me with numerous documents requests back and forth with them, many times asking for the same documents over and over through out the year XX/XX/2017. 
they claim i do not qualify for the promo refie they sent me, instead they sent me documents to start a new mortgage that extended my current 30 term to a 40 year term. i went for it the new mortgage lowered my payments {$250.00} dollars a month i needed to lower my payments i went for it. 
in XX/XX/2017 the mortgage was tranfered to XXXX XXXX XXXX loan # XXXX XXXX.. i feel i was suckered in and was taken advantage of to bait me with an offer they knew all along it wasnt going to be processed/ instead the new mortgage sounded good at the time to extend the term 10 more years, now that i have gotten my feet back on the ground im sorry i went for it at my age XXXX was this bad practice on wells

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 2018-08-15
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
IC systems has been unlawfully flagging my credit multiple times within a month in order to decrease my score. They are consistently reporting a collection that is not valid and not mine on my report as new 3 plus times a month. I have requested they provide me with insurance claims made in reference to this, proof of identity and account history. They have continuously failed to do this. This constitues malicious debt collection and violates the FCRA. This is harassment and is subject to law suit.

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 2021-06-24
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: HYUNDAI CAPITAL AMERICA
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have had several disputes with XXXX XXXX XXXX and they will admit to the errors and correct them and then they put the false late payments back on my credit report several months later. This has been an ongoing problem, I have 2 complaints that were filed with the CFPB to resolve this issue XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. Both complaints they admitted the payments were in fact not late and corrected them and now once again the same payments are again being reported as late. The payments that are being reflected as late are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX the same months that were previously corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: DISCOVER BANK
State: NC
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:
1.XXXX XXXX XXXX is reporting I have an account with them and I have never had an account with them. 
2. Discover Fin Svcs has an account on my credit and I have never had an account with them. 
3. XXXX is reporting that I have an account with them and I have never had an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I logged into my account on XX/XX/2018, and received a notification that my account was closed. 

I received a letter in the mail on XX/XX/2018. Here is what it states : -- -- Dear " Customer Name '' : Wells Fargo regularly reviews its customer relationships in connection with its responsibilities to oversee and manage risk in its banking operations. After carefully reviewing the risk related to your account, we must advise you that your account is being closed immediately and no additional transactions will be permitted. 

This decision is final and can not be changed. Wells Fargo 's risk evaluation processes are proprietary and can not be shared. 

Sincerely, XXXX XXXX XXXX, XXXX. 

-- - With all accounts being paid in full each month and only utilizing one percent or less of my total credit card limit, this risk evaluation does not make sense. The Wells Fargo credit card I used had a {$0.00} balance. I was even told by a representative that the account was going to collections. How can an account go to collections with a {$0.00} balance? A bank should be able to tell its customer a specific reason on why the account was closed.

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 2018-08-15
Company: TrueAccord Corp.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX  is working through True Accord to collect a debt, they claim amounts to {$610.00}.

I did previously have an account there from XX/XX/XXXX-XX/XX/XXXX.

I have previous statements from that time.

I spoke with local bank tellers multiple times.

The bank did refund some overdraft fees at first.

Then they would not allow me to close the account.

My paypal account was ACH linked, and continued to post ACH withdrawals when there was no money in the account. Resulting in more than {$1100.00} in overdraft fees that year.

The {$610.00} they claim I owe them, was paid in overdraft fees via direct deposit that year, until I eventually switched banks and changed my direct deposit to that account.

I believe the amount I owe is around {$120.00}. I am will to pay this amount, I am not willing to overpay once again in absurd amounts of overdraft fees.

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: ARVEST BANK GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I contacted Arvest Mortgage Company to make them aware that they have not paid the taxes on my property {$4000.00} which was due by XX/XX/XXXX. I was told that they would resolve this issue immediately and ensure that the taxes were paid. On XX/XX/XXXX I received a call from the company stating that the taxes were paid and was not due until XX/XX/XXXX. On XX/XX/XXXX I made contact with the county tax office and was informed that the taxes have not been paid by Arvest and I am still delinquent on paying taxes to my property. I made contact with Arvest again on XX/XX/XXXX and the staff member Informed me that the taxes were not paid and she could not provide me with an update on when and how this issue can be resolved. At this time, the Mortgage company Arvest have failed to pay taxes on my property and resolve the issue timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Information provided per my credit report is below. 
Account name : progressive management systems Amount : XXXX Date : XX/XX/14 Account # : XXXX I've contacted the collection company requesting more information regarding this account because I have no documentation nor have I received anything in the mail to verify if this is a legitimate bill that belongs to me. I was told they could not release any information over the phone and I have yet to receive anything in the mail to verify this. The fact that this shows the original date is from 2014 really concerns me because its effecting my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15
Company: Experian Information Solutions Inc.
State: TX
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 experian by certifed mail, phone and online dispute on Fraud accounts on my credit file. First contact was by Online dispute XX/XX/17 requesting the account be verified as my right for the fair credit act then requested was denied and no verified info was sent as request. Second attempt was a call I placed to Experian on XX/XX/17 and was denied proof of Verification again a violation of my right to the fair credit act. Third and final attempt was a letter sent certified mail on XX/XX/2017 with a report from police that these account were fraud, I again never got it removed or a response for Experian. This accounts have been removed from XXXX and XXXX because of fraud and they could not verified. I am listing the accounts below. I have a right to have all accounts that do not belong to me and that the credit reporting agency can not be verified to be removed by the Fair credit act. Experian is violated my right. This is in true harm my life and career. I ask that the accounts listed below be removed right away. 

1 ) XXXX- account # XXXX {$540.00} XXXX account # XXXX {$540.00} XXXX account # XXXX {$350.00} XXXX account # XXXX {$820.00} 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 2018-08-15
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My loan number was changed in XXXX, I did not make the deadline to update my auto draft from the bank. I called in XXXX to make my monthly payment and to be placed back on auto draft. Well, this payment and every other payment each month has been misapplied by the lender ( CIT bank ). My name and loan number are : XXXX XXXX # XXXX. 
I keep thinking that with every month this would be corrected, sadly it has not. It is now affecting my credit rating, I was at a XXXX with XXXX, and now I'm down to a XXXX. I pay all my bills on time, and to see this was very upsetting. I've been trying to get this fixed for over 6 months now. I was finally able to get a supervisor, XXXX XXXX ( XXXX ) XXXX in XXXX. I thought that would be the end of it, again it was not. 
I have attached my payment history and the misapplied errors. I just wanted to get back on the auto draft. I sent them multiple emails through their website XXXX XXXX XXXX. No resolution. Many calls to XXXX, she did call me back this month when I mentioned I need to make a payment, other than that every voicemail I have left her has been unanswered. As of now, my account states that my next payment is due XX/XX/2018. I have paid every month, and a little extra this month in the hopes that someone would fix it. 
I'm exhausted, I'm hoping this will help me with my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a customer of Wells Fargo for over 10 years, I make my payments via telephone and in the last 6 months the process to use the telephone keeps sending me to a customer service rep., which take a tremendous amount of time. I have asked multiple time why this keeps happening and to no avail. Each time I am told that it was corrected and that they are proud of their work and assure me the problem has been corrected. Each month the same issue reoccurs. I have escalated this to be reviewed by Wells Fargo Executive Office complaint for review to zero satisfaction as they have not provided an answer for a single question I have as to why and they continue to be condescending and indignity. They have now created a case stating that I am not satisfied with their customer service to completely avoid answering the question as to why repeatedly I keep being forwarded to a customer service rep when making a telephonic payment. I have been passed around by the following people who tell me they are not the right person to speak. This run around has occurred for over 36 hours on the telephone. I was told that a ( XXXX ) had resolved my complaint, never spoke with anyone-complete fabrication ) and as of XX/XX/2018 the issue is still not resolved. 
I have had telephone contact with the following people in the Exec Office Complaint Review ( XXXX, XXXX, XXXX, XXXX, and lastly XXXX who was very condescending and passive aggressive and refused on 9 separate times to provide me with her supervisors name only stating that she reports to the Executive Office, and that by provide that as an answer she was responding to my question. ( very passive aggressive ) they provided fast talk, avoidance and no response to my question and when I stated that I would be filing with the CFPB I was informed that I should not be making threats. So I am immediately filing this complaint to follow through that it is not a threat only a promise to obtain a resolution to this issue that they refuse to provide.

In total I have spent 36 hrs to this point, just trying to get a satisfactory resolution, to no avail. I DO NOT WISH to have any of these listed Wells Fargo personnel to assist me as I can not afford the time or have the luxury to spend any more time on this matter which appears that is what they are hoping for.. Please help me obtain competent personal that can correct this matter and not just provide rhetoric and no resolution.

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 2019-02-23
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SEC:XXXX DOB : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquirIes had been made. 
I contacted the following : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX  XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bulk Purchase Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX BYMAILONLY XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX SOC SEC:XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: EQUIFAX, 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:
My new credit report pulled on XX/XX/2017 is reporting a XXXX XXXX paid collection that was deleted and now it has been added back on to my file with Equifax. The CRA did not provide me notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( XXXX ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Equifax has received from my lawyer 2 police reports with official letters. They did receive it 2 times in 7 months. 

Police reports # XXXX XXXX and XXXX has remove the collection : The Bureaus from my reports because the polcie reports clearly state that I was victim of Identity theft. 

Equifax don't remove it and everytime we try with my lawyer to contact them they don't care and don't respect the law. 

I need EQUIFAX to remove immediately the false information that they are using on my credit reports by removing THE BUREAUS COLLECTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
constantly calling my employer,4-6 times a day and hanging up.

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