BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
For a while now, I have file several disputes with Equifax about XXXX XXXX inaccurate account balance and still no change. The results were, the account belong to me, when I 've never said it did n't, and/or the balance of this item has been updated but the balance amount was never changed, it reflects was the same amount, which makes me believe that there was never an investigation completed. 

I 've even sent a copy of my dispute filed with CFPB to Equifax, along with XXXX XXXX response to suspend collections and the account still have not been removed fro my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Because I have tried to dispute incorrect information with this company and gotten no results or replies this is a better recourse. Because of a lawsuit filed against XXXX, a judgment against me has been removed. As well as collections of the Account and the account should show this status. I KNOW this has ALREADY been done as XXXX shows it when I look at my information there. Attached is cooperating proof of what is supposed to be done. Equifax has a history of not maintaining correct information not only for myself but for many others if the little investigation I 've done is any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Collection Bureau of the Hudson Valley, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In lateXX/XX/XXXXwe received a call from a collection agency regarding a debt with XXXX XXXX. I agreed to pay what I was certain was owed, but XXXX was alleging that we had equipment that had not been returned and that we owed for a month of service that we did not use and had asked them to disconnect our service. I submitted a written dispute to said collection agency outlining my issues with the alleged debt. The collection agency sent a letter within 30 days saying they had investigated the issue and were closing their file. I did not retain that letter, as I assumed this was the last I 'd hear of it. 
Today ( XX/XX/XXXX ), another collection agency ( Collection Bureau of the Hudson Valley ) contacted my husband regarding this same debt with  XXXX. My husband 's name and phone number were NEVER on the account with XXXX. They discussed the account with my husband and again, they alleged to him that we owed a balance and still had equipment that was the property of XXXX. I then contacted Collection Bureau of the Hudson Valley and relayed my previous interaction with the first collection agency. They suggested I contact XXXX directly to have them close my account, as they could n't contact XXXX to discuss my account. I contacted XXXX and requested they close my account, and they confirmed that we did not have any of their equipment, and still attempted to collect funds even after I told them I had already disputed the debt. They claimed they had no information on a dispute from the first collection agency, to which I suggested they contact their contracted agency to obtain that information. 
I believe continuing to attempt to collect this debt after a valid, investigated dispute is in violation of the Fair Debt Collection Practices Act. I also believe contacting my husband - who was NOT listed on the account with XXXX - and discussing the alleged debt with him is also in violation of the Fair Debt Collection Practices Act. I 'd like this type of harassment and violations to STOP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-30
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax has a habit of ignoring fraud information. XXXX fraudulent inquiries were submitted using a false address that I did not belong to mi. And they refused to delete the hard inquiries and dispute the companies solicitation practiced XXXX XXXX, 2015 today I spoke to a Consumer relations Supervisor and had the call recorded as I gave her several CFPB reports regarding the false address information. I asked for thier legal dept to call back and she hung up. For the last time I informed them that it is illegal not to investigate and dispute fraud inquiries. I am a government XXXX member & never signed anything asking the agency for a loan. No where did I sign application or ask for a single dollar from any affliation and I want total immunity. I am tired of Equifax illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: ERC
State: IA
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 am a victim of identity theft and someone stole and used my personal information to open an unauthorized and fraudulent account with XXXX. I been receiving harassing and threatening telephone calls and death threats from Enhanced Recovery Company representatives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-03
Company: ERC
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 was discharged in bankruptcy

Complaint:
Enhanced Recovery keeps billing for an old XXXX account that was discharged with a bankruptcy. XXXX used XXXX collection agencies, the other XXXX removed the information from my credit report after receiving my letters - Enhanced Recovery has not. I am attaching letter I sent to XXXX and to Enhanced Recovery requesting they remove this negative collections information from all XXXX credit bureaus. I have also made numerous, numerous phone calls both to XXXX and to Enhanced Recovery and I 'm always told the account will be removed from my credit report but it never gets done. Enhanced Recovery has violated the law by continuing to report this debt. I think the account # is XXXX ; however, Enhanced Recovery is using a different number that begins with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-17
Company: Alpha Recovery Corp
State: GA
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:
An apartment complex turned a debt over to Alpha Recovery Corp. 

I paid Alpha Recovery Corp {$1500.00} on XXXX XXXX, 2015 using a debit card. The transaction cleared my XXXX XXXX XXXX Checking Account on XXXX XXXX, 2015. The amount did not chargeback ( overdraft ). Alpha Recovery Corp began contacting me on XXXX XXXX, 2015 saying my bank reversed the transaction. This is not true. 

I provided Alpha Recovery Corp with : ( 1 ) a statement saying I authorized the transaction, ( 2 ) my bank statement, and ( 3 ) a letter from my bank. In addition, my bank spoke with Alpha Recovery Corp & myself on conference call. My bank informed Alpha Recovery Corp that reversing a transaction ( that is not an overdraft ) is impossible and was not done. 

Lastly, representatives from Alpha Recovery Corp are harassing me both at home and at work despite a Cease & Desist letter mailed on XXXX XXXX, 2015. Specifically, a representative named XXXX XXXX has repeatedly called my employer 's corporate office and the CEO. On XXXX XXXX, 2015 a female representative lied and said I paid with a XXXX XXXX and the money has been placed into my account. I do not own a XXXX XXXX. No funds have been placed into my account. 

I have proof of:1. The original bill2. Payment receipt from Alpha Recovery Corp3. A letter from my bank confirming ( 1 ) both the funds cleared and ( 2 ) the transaction was not reversed4. XX/XX/XXXX bank statement showing the payment to Alpha Recovery Corp5. XX/XX/XXXX bank statement showing the transaction was not reversed

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2017-01-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
this is my third time at citizens and it concerns a home equity loan. We paid it off before the term was up and they charged us a penalty fee of XXXX plus XXXX doc fee We were never told this by the XXXX who closed the loan and citizens keep sending us this unsigned document made out to my wife and not me could you mediate this it is not a way to treat a customer who has been with them for many years e

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: ERC
State: FL
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:
Filed an erroneous collection tradeline # XXXX to my credit report for original creditor XXXX XXXX XXXX. I have never held an account with XXXX XXXX XXXX and have never had any association with the service address in XXXX XXXX, FL, for which the collection was filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-01
Company: ERC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-25
Company: ERC
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 have been contacted on my personal cell phone and home phone at the most inappropriate times from the company ERC regarding a XXXX telephone debt that is not mine. 

They list account # XXXX with a debt of {$280.00} ... 

I have contacted XXXX and they have confirmed that this is not my debt. 

I have also contacted ERC to advise them and they stated that I would not be receiving more calls however they continued to call and send letters to my home. 

The info for ERC is as follows : Telephone XXXX Address : ERC XXXX XXXX XXXX, XXXX. XXXX and ERC XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX I am asking that this company be investigated for fraud and that they cease contacting me. 

Thank you for your help. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX H- XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
This is my third complaint filed against Citizens Bank ( Charter One ) due to their ignoring me and the only way I can get a response from them. 
I received a letter on XXXX XXXX, XXXX from Citizens One answering Case # XXXX in response to the fact that the bank was taking my whole mortgage payment and not applying anything to principle. This has since been straightened out in a letter from XXXX XXXX XXXX, Office of the Chairman. Again after many phone calls for months. and trips to the bank with no answers, including filings " Notice of Error '' I contacted XXXX XXXX XXXX on XXXX XXXX, XXXX to tell him that my attorney had filed a " Notice of Error '' on XXXX XXXX, XXXX which was never acknowledged stating the terms of my loan modification agreement and also the fact that I had still not received the {$380.00} reimbursement to me for the attorney fee charged my association and therefore charged to me due to the foreclosure that was wrongfully executed per XXXX XXXX XXXX. I had been promised by XXXX XXXX of the " Office of the Chairman '' that this bill would be covered. There were several statements that were told to me that kept getting changed when I asked the right questions. All of these papers from the " Notice Of Error '' were faxed to XXXX XXXX XXXX on XXXX/XXXX/XXXX with a note to please let me know if he got them. XXXX XXXX, XXXX call to find out if he got the fax and left my cell phone number. XXXX XXXX, XXXX called again to call me and let me know if he got the fax. 
XXXX XXXX, XXXX XXXX XXXX called to let me know he got the fax and turned it over to the law department. XXXX XXXX, XXXX, left message with both phone numbers to let me know if the check had gone out yet.. No response which is the game to wear you out. On XXXX XXXX, XXXX left message again with both phone numbers and told him it would be the last time I will call -- -- horrible treatment for a customer who has been with the bank for over 34 years paying off a previous mortgage of 30 years, paying diligently every month on a equity line of credit and this is what they call exceptional service. As XXXX XXXX stated in is letter to me, that they are consistently exploring ways to improve our customers experience, then start here. My experience has been disastrous, horrible and life threatening. 
I ask that you send a check in the name of my association for the {$380.00} owed to them in my name immediately. The name and address are in the papers that were faxed to XXXX XXXX. 
My 30 year mortgage @ 5 % because of your foreclosure makes you the winner but in my eyes you are a pitiful bank where " XXXX your neighbor, it will make money '' is your mantra ... 
I was told by one of your employees " if this had passed his desk, it would not have happened '' ... ... how sad that I 've been a victim of getting the wrong desk and the wrong person .... 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: WELLS FARGO & COMPANY
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Co signed my sons student loan through wells fargo. I have been hit on m credit report XXXX times. My son has XXXX different loans co signed by different people. Mine was the XXXX and wells fargo assigned the same account number for XXXX. every-time my son makes a payment they arbitrarily assigned the payment where they want and often times my loan does n't get paid in full. I call wells fargo but they cant talk to me because there are other people on the loan number. I do n't get notification of anything. I made a credit report complaint but the poor marks remain on my credit. wells fargo should never have assigned the same acct. number to XXXX different loans/

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: WELLS FARGO & COMPANY
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have had a monumental problem with Wells Fargo student loans. I have had these to loans under a single loan for years. Since I 've recieved these loans they have been running my money in ways that cause me late fees. Every. Single. Time. I send in my money every month and they put it in XXXX of my loans and never the other therefore I 've paid well into the Thousands of dollars so far. I have complained numerous times even multiple times a month to have this issue fixed and all that 's happened is me paying more unjustified fees on the simplest of transactions. I actually OVERPAY monthly to pay off my debt faster and yet they divide it in their favor. I have records of every payment every made to them I just ca n't get them to credit back all my money that they have basically stolen from me. As of recently they " lost '' my monthly checks, even with faxed in proof from the bank it was made to them they denied it and basically said tough luck. My Wells Fargo loan has absolutely demolished my credit and cost me incredible amounts of money in fraudulent fees, all for a higher education.

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 2016-05-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
My car was broken into in XXXX XXXX. All my luggage and personal belongings were taken from my vehicle. All my clothes, passport, birth certificate, and social security card were stolen. I called the XXXX XXXX police dept and reported everything stolen. Just need to freeze my credit.

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: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian is reporting XXXX incorrect addresses. This is not or never have been my addresses. Please remove the following addresses, immediately : XXXX and 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 2015-12-16
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a home mortgage with wells fargo bank 3 months ago. they demanded more and more pieces of information, waited a week or two and then demanded even more. so far i think they demanded the same bank statements XXXX times. XXXX wells fargo mortgage guy XXXX XXXX, dropped out and did n't return calls. the rate is about to go up due to its expiring, and i believe this is a bait and switch technique, where they postpone and postpone and postpone until oh well, you need to pay much much more because time has run out. also the sellers of the house are beginning to pull out and can do so on XXXX XXXX the rate lock in expires XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a private student loan with Wells Fargo and I paid the loan faithfully for 4 years. The loan started out at about XXXX, and only reduced to XXXX after 4 years of payments at {$250.00} a month. I received a forbearance when I was enrolled in school for 6 months, then I was informed that my payment was increased to $ XXXXmonth. I called Wells Fargo numerous times in an attempt to resolve the issue and come to an affordable payment option but I was unsuccessful. I am in default at this time due to an inability to pay and lack of assistance on their end.

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 2015-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I had a short sale back in 2009 which was negotiated not to be reported negative. In fact the agreement was that the accounts be unrated or deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation