BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
There are several discrepancies are my credit report I 've spoken with more than several people at each of the CRA 'S and they will not correct my credit report in the way its supposed to read on toward the public. XXXX of the account in XXXX Dept of ED/XXXX continues to read PAYS AS AGREED and the account has been PAID and CLOSED that 's the way the account is supposed to read also XXXX has stated that they do n't report account as PAYS AS AGREED only as CLOSED and PAID when and if necessary. 
Ihave documentation from XXXX stating these facts and have sent it to them and no change in my credit report. Also I only have XXXX negative account from a {$200.00} credit card that 's CLOSED and PAID at this time and when I paid the account the account went into good standing with all CRA 'S although it still reports as a negative on credit report for seven years and I understand that but also in the scoring module its a positive factor to close and pay an account and it gives you a higher score rating for the closure of the account whether it was good or bad and again I have not received any points in the positive.There are several more discrepancies but one thing can be done and that 's to update my credit report by hitting ENTER on the keyboard after highlighting an account in the correct areas like the STATUS or BALANCE even though it might say XXXX hitting the ENTER key after highlighting the account will update my credit report and score correctly. 
I have a good credit report and my score is much too low it should be much higher please help with these issues and help correct my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: IQOR US INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had cable service from XXXX XXXX that was contracted through XXXX XXXX. All billing for my cable service was received from XXXX. I never had an account directly with XXXX XXXX. Upon the end of service, I received a bill from XXXX that reads FINAL BILL more than a year ago. The FINAL BILL showed that I overpaid the account by more than {$50.00}. However, XXXX XXXX created an account after service ended and continues to send me fraudulent bills via collection agencies attempting to collect at first {$230.00}, then {$140.00}, and recently {$98.00}. On XX/XX/XXXX, I contacted XXXX via certified letter to dispute the debt, provided a copy of FINAL BILL proving balance was not owed. This collection company stopped contacting me after the letter was sent. Then I received collection attempts from XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. Again, I sent a certified letter to dispute the debt, provided a copy of the FINAL BILL providing the balance was not owed. This collection company also stopped contacting. 
However, on XX/XX/XXXX, another collection company called Allied Interstate has sent me a letter attempting to collect the debt. Will all collection companies across the USA attempt to collect an alleged debt on a fraudulent account for the rest of my life? Will I be required to send certified letters every 6 months when XXXX XXXX sells the fake account to another collection agency until the statute of limitations passes ( another 5.5 years from now )?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XX/XX/2016 I received a credit monitoring alert that I had a delinquent account. The account was XXXX bank showing a 30 day late. I had a credit balance and had a paper statement showing that. I contacted XXXX and was told that I had a credit balance and was not late. I asked them to send a check for the credit balance and to change the delinquent status with the bureaus. They said they would investigate and send me a written response. They did send a letter which stated they were reporting the account correctly. I filed a dispute with Transunion and received timely acknowledgement back from them. In XX/XX/XXXX I received another credit monitoring alert showing a 60 day late with XXXX Bank. On XX/XX/2016 I received a letter from Transunion with the final investigation details which show a current status on XXXX Bank. I thought the issue was behind me. Until XX/XX/XXXX when I received another credit monitoring alert showing a 30 day late with XXXX. I called and was told that I had a XXXX balance and that I was not late. I asked that the reporting issue be corrected and that I receive written verification of such. I have not heard from them. I had also asked that my account be closed. This has been an exhausting, time consuming and frustrating experience. My credit score has been affected which makes me very unhappy as I have never been late with a payment and maintained a high score. In reviewing the credit report that Transunion sent, XXXX Bank is showing XXXX accounts for me - I only have and have ever had XXXX account with XXXX. There is something very messed up between XXXX and 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 non-monetary relief
Consumer complaint received 2016-08-02
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card
Issue: Credit determination

Complaint:
What happened and is continuing to happen is that Wells Fargo issues secured credit cards for those with no credit or those hoping to repair their credit. With this offer is often an explicit promise of " graduating '' or getting the {$300.00} minimum deposit returned and being upgraded to an unsecured credit card, often in " one year '' or less. Well it has been a year and a half and every time I call Wells Fargo to inquire about my graduation, I keep getting the run around, which initially meant XXXX of 2016, when I called them back in XXXX. I feel that this product and its many selling point are misleading and deceptive. The bank seems keen on earning interest on ALL those minimum required deposits but less willing to be transparent about when and how the graduation will take place.

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 2017-02-15
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have an ongoing claim with Wells Fargo since the end of XXXX. I was told after a week that I would be contacted by Wells Fargo for the next step. 5 business days pass and nothing. I get some calls from some representatives that claims will eventually call me, but still nothing. I contact customer service and after getting jerked around for an hour, they tell me that I have to wait a total of ten business days, not five. 10 business days pass and I still have not received any calls. I would try calling again, but every time I try to call, I can never get anywhere. This is the second time I 've had to file a complaint with consumer finance in order to gain some traction on my claim.

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 2016-03-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The following is inaccurate and a result of ID Theft and must be blocked under FCRA Section 605b. 
1. XXXX XXXX ( Credit Inquiry ) 2. XXXX ( Credit Inquiry ) 3. XXXX ( Credit Inquiry ) 4. XXXX XXXX ( Credit Inquiry ) 5. XXXX XXXX ( Credit Inquiry ) 6. XXXX XXXX ( Credit Inquiry ) 7. XXXX ( Credit Inquiry ) 8. XXXX XXXX ( Credit Inquiry ) 9. XXXX ( Credit Inquriy ) 10. XXXX ( Credit Inquriy ) 11. XXXX XXXX XXXX XXXX ( Credit Inquriy ) 12. XXXX XXXX ( Credit Inquriy ) 13. XXXX XXXX ( Credit Inquriy ) 14. XXXX 15. XXXX Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX SSN : XXXX DOB : XX/XX/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 2016-05-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a payment online for my Wells Fargo mortgage. When I submitted it, I accidentally selected the wrong account ( per Wells Fargo ). Therefore, it tried to take the payment out of a bank account that had insufficient funds. Instead of contacting me about the issue, they proceeded to attempt to take the payment out three times causing over {$90.00} in fees. After speaking to Wells Fargo, they told me there was nothing they could do about it. I told them I thought it was poor customer service to not contact the customer to tell them their payment did n't go through nor did their website allow me to view the payment once it was submitted. Had I been able to view it, I would have known it was coming out of the wrong account and would have deposited money into the account to avoid future fees. Their response was that they do n't have the time to call all of the customers that have Insufficient funds.

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 2015-05-06
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a certified letter on XXXX/XXXX/2015 requesting validation of this debt. On XXXX/XXXX/2015, I received a letter from CMRE Financial Stating that this letter confirm that the request for deletion has been electronically submitted to all the credit bureaus. Unfortunately today is XXXX XXXX, 2015 and this negative account is still showing up on my records.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Bay View Loan services is my mortgage company. They have not paid my property taxes and now my taxes are up for sale as of XX/XX/XXXX. I called the company several times and its not being resolved. I obviously do not have the money to pay these taxes because they have it. I am not sure what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: BYL Collection Services
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
No knowledge of this debt. Never received notice of right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Robinson & Associates
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX XXXX, I paid off a title loan company that agreed to remove the debt collectors off my credit report. This title company had put XXXX debt collection agencies on my report for the same car but for different amounts, totaling to a little more than XXXX. I wanted them to sign a paper stating that they report it to the agenies as paid off and stated that they did not want to sign because i am not a lawyer. I called XXXX debt collection agency XX/XX/XXXX and asked why they did n't remove in and she said that she did n't even know I had paid it off and that she will not remove it until she gets paid her part from the title company. I have n't been on top of my report due to XXXX school. However it is hard to get a loan or get a business credit card when I am limited due to a poor credit score for a debt that has been paid for six months ago. I have contacted transunion and they had let it be and I continue to dispute it.

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 2016-12-06
Company: Professional Recovery Management
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This is a follow up complaint. I recently filed complaint XXXX to which this company responded by sharing private information about disputes with other companies. I am a victim of identity theft because XXXX companies run by unethical people like Fox Collections rampantly breaks the law with their flagrant disregard for the protections the United States government lends her citizens under the Fair Credit Reporting Act. Following a phone conversation with the Consumer Financial Protection Bureau I am now filing this dispute per their request so they can have official documentation of exactly what happened. You may pull up the previous dispute when referencing this XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Based on the agreement/settlement between the states attorney and the credit reporting agencies on XXXX XXXX that they will eliminate the reporting of debts that did not arise from a contract or agreement by the consumer to pay, such as tickets or fines credit reporting transactions listed as unacceptable data ... Examples include, but are not limited to : towing charges, vehicle storage fees, parking and traffic tickets/fines, toll road fines/fees. '' " Do not report debt that did not arise from a contract or agreement to pay, including, but not limited to, certain fines, tickets and other assessments, '' the credit reporting agency document explained. " For example, library fees or fines, parking tickets, speeding tickets, and court fees or fines. " Motorists with existing red light camera, speed camera or parking ticket debt on their credit report can expect that their records will be cleared. Under the legal settlement, consumers have new rights to dispute incorrect items on their report. 
Traffic Tickets and Government Fines Will Not Appear in Credit Reports Cities and counties often refer traffic tickets and government fines to collection agencies, or sell them to debt buyers. Currently, collection agencies and debt buyers report these tickets and fines as " debt '' to the CRAs.Beginning in XXXX XXXX, CRAs will no longer report debt that " did not arise from any contract or agreement to pay, '' such as traffic tickets and government fines. 
I have XXXX paid parking tickets on my experian credit report that should be deleted based on this new policy. I previously disputed them and was told that they was not parking tickets. I have provided that they are parking tickets in the attached documents from the City of XXXX XXXX Parking Administration. 
CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # 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 2016-11-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
AFTER SUBMITTING WRITTEN PROOF OF ORIGINAL SALES CONTRACT AND BANK STATEMENTS PROVING HOW MUCH WAS PAID TO XXXX, EXPERIAN CREDIT BUREAU REFUSES TO UPDATE MY REPORT AND REFLECT TRUE AND ACCURATE INFORMATION. THEY ARE STILL REPORTING FALSE AND INACCURATE INFORMATION.THIS IS MY THIRD COMPLAINT TO YOUR OFFICE FOR ASSISTANCE, PLEASE HELP. I HAVE PROOF OF MONTHLY PAYMENTS OF {$170.00} AND XXXX IS REPORTING {$120.00}. MY HIGH CREDIT LIMIT WAS ONLY {$3000.00} XXXX 'S IS REPORTING {$3900.00}

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 2016-06-17
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This is in regards to my Santander XXXX checking account. This account gives a {$10.00} bonus 2 times each month for a total of {$20.00} dollars. XXXX bonus ( {$10.00} ) is for having a direct deposit of at least {$1500.00} each month and the other bonus ( {$10.00} ) is for making a total of XXXX bill payments from the Santander website per month. 

I did not receive my bill pay bonus ( {$10.00} ) for XXXX separate months. Those months were XXXX of XXXX and XXXX of XXXX. 

During XXXX I made the following XXXX bill payments : XXXX. XXXX XXXX, XXXX - {$530.00} bill payment to XXXX XXXX Credit Card ( XXXX Card ) XXXX. XXXX XXXX, XXXX - {$610.00} bill payment to XXXX Credit Card ( XXXX Card ) During XXXX I made the following XXXX bill payments : XXXX. XXXX XXXX, XXXX - {$480.00} bill payment to XXXX XXXX Credit Card ( XXXX Card ) XXXX. XXXX XXXX, XXXX - {$14.00} bill payment to XXXX XXXX Credit Card ( XXXX XXXX Card ) I called Santander on XXXX XXXX. During this call a representative helped me open a case which was escalated and would be resolved in a week. I received a call on XXXX XXXX from Santander bank informing me my request had been denied and that I did not make XXXX bill payments from my account. I do not agree with this and the records on my account show that I did indeed make the required XXXX bill payments. I was not able to further escalate the case over the phone. 

I would like Santander to fix this issue and follow through with giving me the XXXX bonuses for {$10.00} each ( {$20.00} total ) as the account terms indicate.

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
Consumer complaint received 2015-06-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Logged into AnnualCreditReport.com to get credit report. Chose Equifax. Clicked on the download PDF button. It brought up a screen that said it can not provide my credit report at this time and kicked me out of the system and would not allow me to view the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I purchased a home in XXXX and financed both the XXXX & XXXX loan through same lender. Home was foreclosed in XX/XX/XXXX. It appears lender wrote off any unpaid balance on XXXX lien but sold the XXXX lien to a collection agency that goes by the name of XXXX XXXX XXXX. 

XXXX XXXX XXXX is keeping the XXXX lien on my credit report as active and open loan. There has been no payments since XXXX XXXX. Collection on the debt is barred by the Statute of Limitation in Texas. I want the loan to show as closed and not as an open & active loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax questions about loans I 've taken out in XX/XX/XXXX and XX/XX/XXXX and I 've never had XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
For the last 20 yrs I have been working on my credit report trying to build it to a XXXX or above unfortunately all methods dont work if I pay a bill or write them regarding the statutes of limiations or pay several bills the credit score wont go no higher than a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Equifax absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumer 's written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
Accounts Listed Below need to be deleted from my credit file : XXXX XXXX XXXX XXXX - ( Collecting for XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX : Identity Theft Report Copy of Credit Report Police Report for ID Theft

Company response to consumer: Closed with explanation