BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is knowingly reporting an incorrect balance and payment status for an account that was settled with XXXX XXXX. I initially disputed the above referenced account with Equifax in XX/XX/XXXX under the Fair Credit Reporting Act ( FCRA ) but the account apparently was verified. I subsequently disputed the account directly with XXXX under Section 623 ( a ) ( 8 ) ( D ) of the FCRA multiple times, eventually even filing a complaint with the CFPB under this Federal law. XXXX response was, and I quote : '' Our records indicate that we received a payment of {$21000.00}, which settled the XXXX account ending in XXXX. XXXX notified the consumer reporting agencies the XXXX account ending in XXXX was settled. We have investigated your complaint and found that XXXX furnished information relating to your account in accordance with industry guidelines. In response to your complaint, XXXX verified the XXXX account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies. " In support of XXXX claim of correct reporting, XXXX is correctly reporting the balance as zero, with a payment status of " Settled, '' which indicates that XXXX is correctly reporting the information but that Equifax is ignoring the corrected information from XXXX and continuing to knowingly report false information to my credit report to my detriment!! This represents a blatant violation of the FCRA!!! 
I have attached the settlement letter from XXXX and the Certificate of Satisfied Judgment as proof of the settlement as well as a partial credit report, dated XX/XX/XXXX showing the false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: CAINE & WEINER COMPANY, INC.
State: CT
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Caine and Weiner claim I owe XXXX for a Progressive policy that was paid via money order, the amount is also incorrect. I do not have a copy of money order to provide as it was paid well over a month ago. I believe the amount paid was in the XXXX range, not sure. I do not know how they come to an amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Medical Data Systems to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

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 2015-09-05
Company: IQOR US INC
State: AZ
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have only been at my current job for XXXX months at XXXX months I received notice that my wages were going to be garnished and I contacted allied who is the collection agency and told them they were n't supposed to garnish my wages until I had been at my job for XXXX months they called me a liar and continued with the process if garnishing 15 % of my wages ... At XXXX months at my position I called them again to tell them they need to stop garnishment and I wanted to set up a payment plan ... They gave me XXXX fax numbers that did n't work as a means to give them my tax forms to work out my payments and sisd they would contact my payroll department and stop the garnishment and they still have not done so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX XXXX, I opened a secured credit card with 5/3 Bank with a {$500.00} limit. I lost my job. I paid the {$70.00} of interest, and they closed the account and took {$500.00}. We closed the account. It is still showing as open on all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Complete Credit Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Complete credit solutions acct XXXX is inaccurately reporting on my credit. Per federal and state laws a collection agency must not falsely debt clams and this account is reporting an inaccurate debt balance of an erroneous account. It is also a false statement and a violation for a collection account to report the account type inaccurately. This account is a collection account and is reporting as a factoring company account on my credit. This is inaccurate reporting. A debt factoring account reflect current debts on open accounts not closed debt that is sold to a collection agency written off as bad debt by the lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: URS Holding, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This company is calling for a family member. I told them our number is not that person 's number and to take our phone number from their calling list. Still getting calls from United Recovery. 
LogUnited Recovery XXXX XXXX XX/XX/2015United Recovery XXXX XXXX XXXX/XXXX/2015 at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Focus Holding Company
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
put a collection on my credit report.. I do not owe this debt. I live in XXXX Carolina and this is supposedly from California. I reported the identity theft to the credit agencies. these XXXX 's will not remove this from my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: United Consumers Inc
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I incurred medical costs out of pocket of {$1300.00} to XXXX hospital XXXX of XXXX VA for XXXX XX/XX/XXXX. I paid without missing about {$100.00} per month and the balance was down to {$260.00} by XX/XX/XXXX when monthly billing by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. suddenly stopped coming. I had to fight to get subsequent monthly billings with the return envelop since XX/XX/XXXX. Now the bill is down to {$65.00} and XXXX has forwarded this debt to United Consumers , Inc. ( UCI ). 

I explained to a rep at UCI identifying himself as " XXXX '' that I simply need a final billing statement with the {$65.00} outstanding balance and I can send them the money and close this debt but UCI over the past 2 months have been promising to send this but have not. I suspect that they 're trying to obtain attorney and collection penalties from me some time soon when I have not been negligent and have been trying to close this debt if only they will stop playing games and send me the final bill and return envelop immediately. 

This is all I ask so that they ca n't scam me with anything down the line in terms of late penalties, interest, or attorney fees on this {$65.00} debt. There 's also been some misrepresentations on the origins of this bill and the amount which I wo n't bother going into. But I will say that there 's been some finger pointing and blaming at each other when I 've contacted XXXX hospital, the initial claimant, XXXX and UCI. The account number in question is for Acct. # XXXX for XXXX and XXXX and # XXXX for UCI. 

Thanks

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 2016-04-22
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Myloan care used to be my mortgage servicer. They stopped servicing the loan in XXXX 2015 and I didnt realize that until early XXXX 2015. My payment was made thru online bill pay at XXXX to them, instead of going to the correct, new servicer which is XXXX XXXX. I 've spoken to XXXX care multiple times, sent numerous emails asking that they refund my payment because it rightfully should have been sent and received by XXXX XXXX. They have been non-responsive to emails which they were supposed to respond to within 10 business days. I filed a ticket # with them Ticket # XXXX and sent proof to them back in XXXX showing where my payment had been made to them and they said they 'd research it and give me a refund. It is XXXX and still no refund. The XXXX check was for XXXX. I have also filed a ticket with XXXX and proof of payment made from my checking account is : For XXXX XXXX {$2900.00} Reference # XXXX and old account # XXXX ( mortgage account # with myloancare ).

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 2017-01-28
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent a check to pay off the debt for about XXXX . The money was even cleared from my bank account shortly after I sent the check and I am still being charged. It 's only a {$32.00} debt, if I had n't already paid it then it would not be an issue. However I already took care of this payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I filed a complaint with BBVA Compass bank regarding XXXX charges from XXXX for {$1500.00} and XXXX for {$360.00}. The disputes were denied. I provided 3 second opinion letters. Each letter were from business that I have a close relationship with and had done business with in the past. It is hard to obtain a second opinion letter from a merchant who as no know of your character or person. XXXX XXXX is a small town shop and their letter was not considered good enough because it wasnt on letterhead paper. BBVA Compass had not clear reason for denying my claim besides the small company did n't provide me with fancy letter head. 
All three second opinion letters advised that the vehicle in question was falsely advertised. My credit card information was given to the consumer by an unauthorized third party. The vehicle and repairs in questions were not warranted because the vehicle was not repairable and has several electrical problems. My credit card should have been deactivated and issued a new one and I should have been refunded. I have not been allowed the ability to appeal the decision. I have lost {$1800.00}, due to the mishandling of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Billing error corrected XXXX, 2016. I have {$0.00} balance. Rash Curtis & Associates knows this when I demanded proof of debt in XXXX XXXX, 2016. 

I just received a new letter ( XXXX/XXXX/2016 ) with new account number for the SAME DEBT that was disputed 6 months ago. 

THIS IS FRAUD AND HARASSMENT I am sick, sick and tired of this lethargy. I am seeking legal advice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: U.S. BANCORP
State: IA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I bought XXXX Mastercard gift cards from XXXX. These Gift Cards are issued by US Bank. When I went to use them I found that money had been drained form them. I contacted US Bank and they asked to fax in information such as a copy of the card and the sales receipts. They said someone will contact me within 24-48 hours. After two weeks no one contacted me. So I called them and then they said that no one was supposed to contact me and now they will file a dispute and I need to send in more faxes. Everytime I call they give me different information. They are just giving me the run around and holding my money hostage

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 2016-11-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed the accuracy of a Ch XXXX Bankruptcy with Equifax in XXXX. On XXXX XXXX, I received the results of the investigation and the Bankruptcy was deleted. When I checked my credit report on Equifax monitoring service on XXXX XXXX, 2016, the Ch XXXX Bankruptcy was removed from my report. When I checked again on XXXX XXXX, 2016, the Ch XXXX Bankruptcy was reinserted without any 5 day notification from Equifax. This is a violation of the FCRA. I insist that the Ch XXXX Bankruptcy be deleted according to the provisions of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-13
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have set up an account with www.equifax.com to monitor all three of my credit reports. I have noticed several XXXX inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Equifax. I have included, the Inquiry Company, inquiry companies ' address and date of inquiry as well below. These unauthorized inquiries need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
equifax said i have to many deliquinces i have none at all through XXXX XXXX this was the report information XXXX XXXX gave me this info on my credit when they checked foe an equuty line a credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I sent a letter to Equifax requesting a proper investigation regarding the public records on my credit report as I know that the XXXX public records should not have been placed on my credit report. I went to my local XXXX clerk office to see if they could resolve the issue but they stated to me that they do not speak, email or fax to the credit bureaus and that I would have to take it up with them to resolve the issue on my report. So sent my dispute and XXXX judgments came back verified yet per my attorney who explained to me that under the FCRA which is a federal law that the credit bureaus have to conduct a reasonable investigation and make sure that the items on my credit report are accurate and verifiable. I know the XXXX judgement are not accurate and simply should not be there and how can they verify them with the XXXX clerk or recorder when they do n't communicate in any manner to each other. This is a broken system and I need those XXXX judgments removed off my credit report as they are preventing me from obtaining future credit. I am a single working mother with XXXX children and I can not afford to to have these inaccurate public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
There are 4 credit accounts on my credit report that are over 10 years old. I have asked the 3 consumer credit reporting agencies to remove them and to date I have not received a response or any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is reporting a late payment on XXXX credit card. That entire payment was for fraudulent activity, which was removed from my account by XXXX. Should not be reported as late, not my activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: National Budget Planners of South Florida, Inc
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I applied for the national student service forgiveness program ( XXXX ) they are from XXXX California. They had me pay an admissions fee for them taking care of my account ( XXXX dollars ). i have been paying XXXX dollars a month since XXXX.They have done nothing to help me and have actually hurt me and my credit severely! I had no contact with them til i learned that my credit was severely impacted. The information they had ( email, telephone number, address ) were all wrong and they were not updating my information to the federal student loan people. So i was no receiving any information that i needed to know. i had called to see what was happening and they told me i needed to renew my account after a year. well it had only been 6 months. I was told that i had to send in my pay stubs in ( i faxed them ) order for them not to send my information to the credit bureau. Well that was also a lie, that night i checked my score and it had dropped XXXX pts. Ive sent this company my pay stubs, my information, my social security number as well as my bank account number. In the process they were not communicating with the XXXX XXXX XXXX, who are my actual loan holders, so i learned that i was supposed to be making payments and i never did because this company told me they were handling my account. So on my credit report i was told that i was 120 days late on payment, when in reality i was told that i would not need to make a payment. NBP put a forbearance on my account which the federal loan services noted they did. I was also told that after 10 years of paying ( NBP ) i would have all my loans forgiven. well that was also false because i do not qualify for that type of forgiveness.They are a fraud and never give you the information you need. They told me i could get the public loan forgiveness program when i only qualify for XXXX of the XXXX requirements for this program. It makes no sense to pay a company to help you maintain your loans when they just hurt you in the process. The federal student loan services have helped me understand why this company did what they did and now i think it needs to be noted that they cant keep doing this to students who are struggling to pay for their loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-05
Company: SECURITY FINANCE CORP
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was reviewing a copy of my credit report and discovered it contained some errors. 
i am a victim of identity theft. i have no idea how the theft took place. i also have no knowledge of any suspects. i did not receive any money, goods, or services as a result of the identity theft. the information does not relate to any transaction that i have made

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 2015-07-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i am currently in bankruptcy chapter XXXX awaiting discharge. The company Bayview Loan servicing acquired my account at the same time the bankruptcy final payment was made. They have been holding up this process for 11 months with no explanation. Every time they continue the case in court, I 'm required to continue to pay the higher mortgage cost due to an escrow shortage which was paid completely months ago. Since then, they have continued the case every month. They now are claiming i have a escrow shortage of {$460.00} however, I 've made XXXX payments ( {$430.00} toward escrow/mo ) since the original escrow from last year was paid off and they have not applied any of those payments to the current escrow analysis. Once I 've provided docs proving i do n't owe them anything, they then claim i owe them 3 month payments of XX/XX/2014 which i have also provided them and their attorney with the check copies. They have been bouncing back and forth between the escrow shortage and the XXXX payments. I have made every single payment and paid off the previous escrow shortage. i feel they are prolonging this on purpose to get an additional {$270.00} roughly from me every month. i do NOT owe this company any money. They have continued XXXX court hearings and can not provide me with proof that i owe them while i have been the XXXX to provide all the documents proving my side. i want my account adjusted properly and any overage be applied to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax is reporting that XXXX XXXX XXXX, Account # XXXX was late 2 times XXXX XXXX and XXXX XXXX. That information in incorrect. XXXX and XXXX confirmed it was an error and they corrected it. Now I need Equifax to correct it as soon as possible. Thank you!

Company response to consumer: Closed with explanation