BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: CT
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-02-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Upon reviewing my report. XXXX XXXX XXXX falsely stated the term and payment for the mortgage to the Experian credit bureau. the mortgage servicer falsely state the term of 46years incorrect it is 40 year mortgage. It was reported that as of XXXX 2014 the loan was current that is a false statement. the loan was in default past due by 180 days. I have maild and fax doc proof. For this reason the items are to be remove from my file.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I received a copy of my credit report and seen a lot of inaccuracies. I filed identity theft with the XXXX XXXX police after realizing i was a victim of the crime. I 1st tried to settle the problem with the credit bureaus directly. I sent the all the documentation stating the situation and nothing has been done. I have not received anything of it being settled or deleted. I have provided information that my information has been in multiple data leaks. Enclosed are all the documentation as well as tracking receipts.

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 2016-06-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Wells Fargo representatives will call at least three to four times in one day if my payment is late. The calls will continue everyday until the account is current.Each time this has happened I ask that they stop calling or at least leave a message with the purpose of the call, but they do not. I would expect this kind of harassment from an unpaid debt, but not if I am a few days late making a payment.

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 2016-05-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working on a modification for the last past year and I been decline due to my finances, now I have a new job as a teacher and my salary has been increasing since them, however, I have a sale date for XXXX XXXX 2016, I resend a Loan Modification package to my lender ASC on XXXX XXXX, 2016. Today I did a follow- up, and I was told that my count could n't be reviewed one more time for a Loan Modification due to the fact that I have been delinquent for the past 3 years. I asked who took this desition and I was to by one of the representatives that are a new police that took place XX/XX/2016 and also the investor who is XXXX. I want to do my best to keep my property, I ca n't imagine losing my home after having made so many sacrifices to purchase.

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 2015-12-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card
Issue: Rewards

Complaint:
XX/XX/XXXX I opened a credit card account w/HSBC. Several of their employees told me if I charge at least {$1500.00} w/in 90 days I would get a {$150.00} cash " reward '' ( I do n't understand the difference between {$150.00} and {$150.00} 'reward ' ). I charged the {$1500.00} w/in the time frame & was told the {$150.00} would soon appear in my account. As of 30 minutes ago it had n't. I made several calls to the XXXX # -- the last time I was connected was XX/XX/XXXX when I spoke to someone who identified himself as " XXXX '' emp. # XXXX. He said the $ would be in my account in the " next few days. '' I made lots of other calls to the XXXX # since then but I 'm always on hold for long periods and whomever I speak to says I have to speak to someone else & eventually I get disconnected. I recently called my local branch -- on XXXX XXXX in XXXX, XXXX XXXX. They told me to call the XXXX # -- I told them that did n't work for me. They said I should come down to the branch. I do n't want to make the trip & I fear that wo n't work anyway. The XXXX people I spoke to at the XXXX # agreed I was entitled to the $ & said it was coming so why ca n't they just credit it to my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Sirs, I have a Home Loan Mortgage, and Home Equity account with Wells Fargo Bank. Recently, Wells Fargo updated their online presence by offering access to my personal Credit Score. I was shocked in seeing my score a full 56 points lower than it appears on my XXXX score. I have submited complaints to CFPB in the past concerning the questionable tactics used by Wells Fargo, specifically as they apply to the Home Mortgage Division. Briefly, in 2012, following a mid-management job loss, I approached Wells Fargo for some help in lowering my monthly obligation of {$2100.00}. The bank immediately decided that I belonged in their " Home Preservation Program ''. This was the greatest financial mistake I have ever made, and I have been paying for this involvement ever since. Wells Fargo was literally filled with false promises, delays, lost paperwork, you get the picture. After 8 months of " lies '', I was denied inclusion as my household income was deemed " Too High ''. I concluded that the bank was aware of this factor from the begining, and as the monthly obligation became increasingly difficult to meet, my Credit Score plummeted into the low 500 's. The only area where the bank excelled was in reporting late payments to the Credit Bureaus The Bank continues to report a negative standing on the two accounts, siting late payments even though this has not been an issue for over two years!! 
I focused on rebuilding my score, and was pleased by the results cited on my XXXX file. The latest entry lists my Score at 745. To view only a " fair '' rating on Wells Fargo 's site has prompted me to action. I have submitted a complaint to Wells Fargo, and am awaiting their response. 

Sincerely, 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 2015-04-22
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A " company '' referred as the XXXX group is constantly calling my phone and my parents phone from XXXX different numbers in XXXX different cities stating that I owe a debt from XX/XX/2010 that was paid off two weeks after taking it out. The gentleman on the phone told me he did not care if I had to pawn me and my children 's valuables try needed the money. No matter how much I told them I need this in writing and that the loan was paid they threatened to garnish my car wages and bank and I was being sued in civil court for fraud. I told them that there is proof and I needed an address for the company to get this all straightened out and was refused that also.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DC XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$3300.00} XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9400.00} XXXX XXXX Balance XXXX {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$910.00} 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 2023-03-29
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DC XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3300.00} XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance XXXX {$910.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$910.00} 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 explanation
Consumer complaint received 2016-04-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm on my second modification request with Select portfolio servicing/XXXX XXXX Bank regarding my mortgage. I have submitted XXXX full applications for modification/resume mortgage over the last 2 years. XXXX was turned down for " not enough income '' and the other was approved but again the income calculations were drastically incorrect. Our request to modify or resume was so we could continue making my current XXXX per month payment or something close to that. This time they came back with an income calculation of over {$15000.00} per month. They offer to have me make and payments of over $ XXXX per month for the first 4 months followed by $ XXXX per month for the life of the loan. The income was again calculated incorrectly. The proof provided via tax returns, paycheck stubs and bank statements clearly shows a monthly gross income of between $ XXXX per month. Now, after waiting several months, actually a year for an answer thay have pulled the offer for review which will no doubt take several months. Meanwhile arrearages and fees add up and get added to my balance for mistakes they have made. My wife and I have lost several days from work providing paperwork to the mortgage company, appointments with a counselor at XXXX and court dates with more to come. I have answered every question, provided every document and fielded phone calls " attempting to collect a debt '' of which they will not accept payment on unless it 's full payment. I finally have a job where I make sufficient income to pay all of my bills and I see tremendous progress. I just want to pay my mortgage! Our family is under tremendous stress not knowing where we will be living and all we want to do is resume our mortgage payments and live in our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Account Services Collections, Inc
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
" Account Services '' is sending me letter and making threatening calls regarding an incorrect statement. In 2013 XXXX XXXX XXXX contacted me for the same and upon further investigation they suggested that I do n't owe anything and I have a letter stating that they were suspending all collections activity. I tried to explain the same to " Account Services '' and they are unwilling to listen to me and threatening to impact my credit score. My File # XXXX. I need help to resolve this matter as I do n't owe this money however I am being harassed and threatened by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Bilateral Credit Corp, LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
XXXX XXXX at Bilateral Credit is contacting me and my family after I have sent a cease and desist letter. He is using tactics such as 'spoofing ' his phone number. Rather than showing his real phone number or a 'restricted ' phone number, he is using software to make it seem like the XXXX , XXXX, or even XXXX office is calling. He is trying to harass my family with these tactics.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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 sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX TXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Many years ago ( 10+ ) I got divorced and my credit was shot due to factors including ex wife quitting her job ( before the divorce ) and us not being able to pay credit cards and other debt due to young age and all that. 

My credit was destroyed and it took me years to rebuild it and got to where I can buy a house etc. I had only one negative left on my report which was a collection for a previous credit card or something - from Portfolio Recovery Solutions. 

I decided to try to do the right thing and called them to work out a deal. They put me in touch with their " legal '' department directly with a rep. I talked to him and they agreed to take 50 % and the debt would be marked as paid and NO LONGER REPORTED to the credit bureaus. I paid them approx $ XXXX ( half of the debt owed ) and then some time later I notice on my credit bureau a new charge with UPDATED DATE with the new balance. 

I've disputed this with all three bureaus 2 or 3 items each including all the emails from the collection agency. They continued to call me, send me letters, harass me about this debt and when I explain to them what happened they just say okay we'll research it then NOTHING HAPPENS. I know that credit bureaus and collection agencies will not DELETE an item from a report when it is settled, but it should have been marked as SETTLED and the balance should NOT HAVE BEEN REPORTED and therefore by now that negative would no longer be showing on my credit!!! 

This debt is from 10+ years ago but because I paid them they updated the date to XX/XX/2016 which I am now struggling to get this removed. I am trying to refinance my house and because of this one thing it is causing issues. 

This is NOT RIGHT! 

Attached are the emails with the " lawyer '' you can see what they agreed upon. Once I Paid they ghosted me, they would not respond. I sent multiple emails with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: ORG GC GP Buyer, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I signed up for the service that the representative promised that I would have service in this area and we 're we live the service around here is very spotty and had dropped calls cause of that.this service is more geared toward the southern states as even people from your company have mentioned to me.I 've paid my fair share of this bill even though you did provide me the service I was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: Account Services Collections, Inc
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
UT XXXX XXXX CenterItemized Statements XXXX & XXXX Received XXXX/XXXX/XXXX, and Related PaymentsI received subject itemized statements for services rendered on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I paid all invoices received from UT XXXX. But they submitted bill for {$290.00} to Account Services Collections, and placed on my credit reports. 
Billed to my XXXX XXXX:XXXX {$3700.00} and paid {$3600.00}. 
Balance due : $ XXXX was billed and paid : {$72.00} - XXXX/XXXX/XXXX, $ XXXX XXXX/XXXX/XXXX, $ XXXX, $ XXXX XXXX/XXXX/XXXX, $ XXXX XXXX to my XXXX Insurance : XXXX/XXXX/XXXX {$2900.00} and paid $ XXXXBalance due : $ XXXXI was billled and paid {$420.00} - XXXXGrand Total Balance due : {$430.00} Grand Total Paid by me : {$700.00} Diff. {$270.00} due meAccording to your policy, the payment made on XXXX/XXXX/XXXX was charged at the time that the XXXX/XXXX/XXXX appointment was scheduled. As you can see, I was overbilled, and overpayment was made for these appointments in the amount of {$270.00}. Therefore, UT XXXX XXXX XXXX owes me {$270.00} for these overcharges. 
Please remove the collection of these bills, since I have paid all invoices as billed. Furthermore, please refund the amount overpaid. I am also notifying the Better Business Bureau and the Federal Trade Commission of these over billings. 
Sincerely, XXXX XXXX XXXX XXXX XXXXCc : XXXX Federal Trade Commission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-02-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have called and faxed Experian stating they are not reporting my mortgage and XXXX XXXX XXXX credit card that I have, they are the only credit reporting company out of the XXXX credit bureaus not reporting those XXXX trade lines. It has hurt my credit scores. I want them to report them, I called XXXX XXXX XXXX and XXXX bank and they stated they report to all XXXX of them and its an issue on Experian side. Please add these trade lines. I attached my credit report and my XXXX XXXX XXXX 2016 interest statement as proof. 

1 ) XXXX XXXX XXXX # XXXX 2 ) 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 explanation