BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I tried to dispute their errors of their investigation online and I can not. I already sent them documentation proving my identity. 

( 1 ) XXXX XXXX should not have any balances or histroy it was discharged in bankruptcy. No Activity past filing date of XX/XX/2015 and no erroneous reporting. See XXXX report and letter from XXXX. 

( 2 ) XXXX XXXX XXXX and written off prior to filing no balances or history, or payments should be displayed charge off prior to filing see XXXX. 

( 3 ) XXXX XXXX XXXX XXXX XXXX XXXX not included in Bankruptcy and re-affirmed. 

IF the accounts can not be correctly verified by them from the Furnisher, then they should delete. XXXX states they did not report the late payments in Balance History which means that the erroneous data is being inserted by Experian in violation of the Chapter XXXX discharge. Delete any balance history and ensure that the XXXX XXXX is showing the charge off date from last year as in XXXX Report. As far as XXXX there should be no balances or pending payments reported past the filing date. XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are multi accounts that do n't belong to me, I have contacted the them directly and they were very rude, I have disputed them with all XXXX credit reporting agencies and nothing is fixed. I do n't feel it is fair that I pay an attorney to get this corrected.

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 2015-09-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I ask for a copy of my payment history dating back from now until 2007 for creditor XXXX and experian or XXXX can provide me with my account history dating back to the beginning of loan

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax said : Explanation of closure I have a confirmation from Equifax " please see below " From XXXX XXXX 2016, however, this item still not reporting on my Equifax credit report. 
" Equifax has reviewed your complaint and its records regarding your dispute. XXXX XXXX should begin appearing on the credit file within the next 60 days. Written confirmation has been sent to you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Exeter Finance Corp.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. EXETER FINANCE CORP Inquiry : XXXX. XXXX, 2020, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020, XXXX XXXX Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX XXXX dba XXXX XXXX place a judgment on my credit. i have ask the company for 2 years to removed off my credit because it does not belong to me. after futher research i found out that the judgment belong to someone with the same name as mine but with diffent SSN, DOB and DRIVER LIC number. So i call the attorneys for XXXX XXXX XXXX XXXX and explain everything and they exknowlegde the fact that i was not the person that they thought i was. So they sent me a letter stating that XXXX XXXX IS NOT THE DEBTOR IN THE ABOVE CASE THAT WAS FILED WITH THE CREDIT COMPANY.So i sent the letter to Equifax and three times and started a investigation 3 times and they keep writing me back saying!!!!! item verified and will not remove. i have place three calls to Equifax and they still will not remove.I have a letter from the Attorneys that repersent Senteniel Real Estate that states XXXX XXXX is not the person in Question, also thats filed with the XXXX County Records Clerks office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Wells Fargo Bank is discriminating against denying me credit and an opportunity to open up a checking account because I had a previous checking account with Wells Fargo bank, which the debt was discharged in bankruptcy court under Chapter XXXX on XX/XX/XXXX in the United States District Court District of Minnesota Bankruptcy Court. The debt I owed to Wells Fargo Bank was discharged under Chapter XXXX bankruptcy. Wells Fargo Bank is discriminating against me because the debt I owed to Wells Fargo Bank was discharged in bankruptcy court. Furthermore, Wells Fargo Bank is discriminating against me because of my race, me being XXXX XXXX ( XXXX ). Wells Fargo Bank is in complete violation of the XXXX Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : 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 2015-12-23
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have credit card with XXXX XXXX all ready so some one else use my identity applying for credit card to XXXX XXXX about 3 or 4 times so i all ready have credit card with them ther is no reson to applying again and again so the report i find out on my credit report is not mine this report i find out on EQUIFAX CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I tried getting a home loan and was denied due to wrong information on my credit report. It states I was 90 days late on my XXXX XXXX credit card which is incorrect. I contacted XXXX XXXX and I have never even been 30 days late on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have made multiple attempts to obtain a payoff of my loan for the purpose of refinancing. When myself, my lender or my escrow company would request a status update to the request, Seterus would either say they do not have a copy of it or say they will restart the request. I have waited 19 days as of today to receive my payoff and still do not have it. I have evidence that they have received it. I have lost hrs attempting to resolve to no avail. There is no reason it should take this long and there is no reason I should n't be able to print XXXX on my own from their website. I 'm held hostage to this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I would like it to be easier and less of a headache to change/add/subtract personal/important information having to do with my credit reports, credit information and possibly even my credit score! We are in the 21st century, the digital age, so why ca n't things be done digitally or possibly even maybe a little lower tech, and get it done over the phone??!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Prosper Marketplace, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Additional payments to principal. In discussing this with Prosper they stated that if I wanted to apply extra to the loan and only have it go to principal it needed to be made the same day the monthly loan payment was applied and it needed to be done prior to 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 2015-07-29
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
So, here 's the challenge I 'm facing. 

I have XXXX accounts ( XXXX XXXX XXXX & XXXX XXXX XXXX ) that are XXXX reporting on Eqiufax and XXXX. 

The date of last activity/reporting on each should be XX/XX/XXXX. However, they XXXX have updated the date of last activity to more recent. To my knowledge, this is illegal. 

I have not made any more payments or any other type of activity on either account since XX/XX/XXXX. This is causing the statute of limitations on each account to be extended much further into the future. 

XXXX Now reporting : XX/XX/XXXXXXXX XXXX now reporting : XX/XX/XXXXI would like these errors to be corrected, as they are unfairly lowering my credit scores and damaging my current credit reports. 

If you need further information from me, I 'm happy to provide it. 

Thanks in advance! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed XXXX different accounts that are on my Credit Report which are included on my bankruptcy yet it returns with the " creditor states it is showing correctly ''. The creditors have been informed numerous times in writing by my attorney that the accounts are a part of my bankruptcy and need to be removed yet they are still showing on Equifax. Upon dispute, these same accounts were removed immediately from XXXX but Equifax still reports them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over XXXX letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over XXXX letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: SCV Inc.
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I expressed to the debt collector who initially called me about a payday loan that was taken out in my name that i thought it was a case of identity theft and that i requested papers to be sent to me through mail and I have yet to receive them. She transferred me to another person ( male ) who said " looking at your file, it is apparent you dont pay any of your bills '' and cursed at me and hung up on me. All of this when i was just trying to calm him down from being rude. I told him that wasnt neccessary the way he was speaking to me, and this man hung up on me before i could get any other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Our home ( primary residence ), as a result of 2008 crisis, was sold at a Short Sale. The home is located in Arizona, an anti-deficiency state. More than 2 years has elapsed and our credit is now reasonable ( XXXX ) per credit karma but each of the XXXX reporting agencies show the mortgage debt which was with XXXX XXXX Bank as " Settled for less than full balance ''. My understanding is that applicable law in anti-deficiency jurisdictions is that the language under these circumstances should be ( Paid as agreed } and while I have exhausted every complaint and supervisory board request involved with XXXX XXXX, XXXX and Equifax, none has agreed to alter the statement concerning my short sale to Paid as Agreed. it is my understanding that since a borrower is not personally liable for a loan such as this, it is inaccurate for the lender or the credit reporting agencies to report the short sale as anything other than " paid as agreed ''. The XXXX XXXX loan was # XXXX with a physical address of XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Arizona XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax reports incorrect low scores impeding my ability to get a mortgage. They did the same thing to my father who has an XXXX credit score. They refuse to fix the issue and in turn are affecting peoples lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced by loan earlier this year and the loan was subsequently sold to Dovenmuehle Mortgage in XX/XX/XXXX. This loan is approximately for 33 % of the value of the home. I have owned this home over 13 years and had never escrowed any insurance or taxes. With the refinance i was informed i would need to escrow Flood Insurance due to this be a coastal home. They escrow {$75.00} per month to pay my flood insurance which will be due in XX/XX/XXXX for approximately {$900.00} ( please note i had already paid the XXXX XXXX payment myself ). I would like to point out i had made approximately 7 phone calls between XXXX and XXXX verifying that i had a valid policy on the house and the escrow was only for my flood insurance, In XX/XX/XXXX, I paid myself the {$6800.00} property taxes for my home. Several weeks later i received notice that Dovenmuehle paid my property taxes post my action of payment. I spent over 2 hours on the phone in XX/XX/XXXX with a Supervisor attempting to get clarification. Yes they confirmed the escrow was only for the flood and this payment should not have been made. A refund would be requested. I received notice on by credit report that an additional loan of {$6800.00} was placed against me by Dovenmuehle. I contacted the company again by email requesting an update on the refund they were requesting and advise them this has now caused action against my credit report. I received a response indicating that they would not be issuing a refund and an escrow analysis would be conducted. In addition, they stated my loan would be transferred in XXXX. I need resolution of my escrow, credit and have this finalized before transfer to a new company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a bill from XXXX for an xray done on my son that has been paid in full ( proof of payment attached ). They referred me to a collection agency : Americollect Collections. I disputed the debt within thirty days of getting the collection notice and sent proof of payment to the collection agency. I have received no further written communication from the collection agency. I have called them and they indicate that I still owe the debt per XXXX. 

The bill was paid in full on XXXX/XXXX/2015 and they are still engaged in collection activities as of XXXX/XXXX/2015.

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 2015-11-10
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Seterus told me if I paid an amount by a due date then my house would be out of foreclosure. I did & they kept invoicing me for " more $ ''. On three occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) their customer service employees told me to disregard the amount on the invoice as it takes their legal team several months to balance out. They confirmed that the money was n't owed. Today I learned that they filed foreclosure on me AGAIN for those legal fees from the XXXX foreclosure. WARNING!!!!! Seterus Customer Service Team is stearing you into foreclosure with their statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Arbitration

Complaint:
My wife ran up about {$5000.00} credit on her discover card and they are trying to charge her 25 % interest. We can never pay this off. We have same problem with a XXXX credit card and they are offering no compromise or plan to help us get them paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing to dispute being charged fees in the amount of {$710.00} on my account. The amount is inaccurate and I am requesting that the error be corrected. 
When I lost my job and I was late I called Seterus and I was told they are here to help so I tried to get a modification, but I was they declined, so they worked out a payment plan with me and I would not be charged any fees. 
In XX/XX/XXXX and XX/XX/XXXX I had financial problem so I only paid a portion of my mortgage because I was told to pay something then I realized the money was not going towards my mortgage, I called Seterus and that 's when I was told that I have been being charged late fees since XX/XX/XXXX and the portion of the money that I have been paying was only going toward fees, which I did not know I had. 
Also they charged me fees to go by my house when I 'm talking to them and telling them that it is occupied I believe that this company is unethical and the FTC should have them investigated. 
Please investigate this matter and correct the billing error as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Other

Complaint:
Discovery Bank appears to be using the same tactics that XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX are accused of in the current lawsuit in Federal Court. 

Judge XXXX XXXX XXXX, who is presiding over the cases, has repeatedly refused the banks ' requests to throw out the lawsuits. In XX/XX/XXXX, when he refused to dismiss the case against XXXX, he said, " The complaint sets forth a cause of action that XXXX is using the inaccuracy of its credit reporting on a systematic basis to further its business of selling debts and its buyer 's collection of such debt. '' Highlighted below are Discover Bank 's tactics to use inaccurate reporting to facilitate penalizing the consumer. 

1 ) reporting missed payments after the account was charged off 2 ) reporting XXXX % credit utilization after account was charged off 3 ) reporting 31 90 day late payments in status 4 ) refusing to correct these errors after multiple attempts through all XXXX credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: DISCOVER BANK
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am late on a credit card bill from Discover. It is the first time I have ever been late. They have been calling my cell phone 5-10 times a day and my work phone at least 4 times a day. It is a different person every time they call. 

I do not have my cell phone on me all the time and my work phone is busy with work or I am out of the office. So far I have not been able to answer any of them but when I get back to my phones and see XXXX missed calls from them in a span of XXXX minutes, it 's a little over kill if you ask me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX  report # XXXX XXXX  report # XXXX Transunion file # XXXX I am filing a complaint because XXXX, XXXX, and TransUnion have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( 11 ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that i have disputed. Please resolve this matter as soon as possible. Thank you

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