BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent a letter to Equifax on XXXX, requesting a credit investigation. To date, I have received no response from Equifax whatsoever. XXXX responded to me right away, but not Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
In XX/XX/2016 I ordered my report from all three credit agencies, however, one agency in particular has refused to provide me with any kind of updated report or investigation results. After filing disputes with Equifax they began asking me for more proof of my identity which I continued to provide each time I either filed or responded to one of their disputes. I also called them on the phone multiple times and was unable to get them to cooperate. To this date, I have not received a response to any of my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This item has been disputed previously. The complaint was file, because the TRADELINE WAS INCOMPLETE. The response did not respond to the issue of the record being incomplete. 

" Equifax said : Explanation of closure Equifax has reviewed your complaint and its records regarding your dispute. The XXXX XXXX has verified name, address, birthdate, social security number and the DLA, closed date to be XX/XX/XXXX on the credit file. '' The XXXX XXXX Tradeline, lacks any Payment history - and in incomplete. The Pay History is Required, and does not exist on this record. 

A screen shot is attached. 

This account should show a " NR '' or a " PAY '' for the duration of time, in which it was opened based on the reporting guidelines that define a COMPLETE record. 

The record is INCOMPLETE, please Add the payment history accurately - or DELETE the Trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Erased old data being re-inserted. Re-disputing the XXXX XXXX XXXX item ( dispute number XXXX and number to be ) based upon an improper reinsertion per FCRA rules 15 U.S.C. 1681 ( i ) ( B ) ( ii ). This data is affecting my FICO rating for the second or third time. Equifax declined to give me a True FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax has not corrected their information on my credit report. The XXXX account is still reported as open when it is actually closed. The Merchant closed this account and reopened another. Please assist in helping me get this information on my credit file corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to reduce of income I did applied for a loan modification with my mortgage provider ( Saturus Bank ) This process began on XX/XX/XXXX after sending all modification requirements I received a four month Trial package on XX/XX/XXXX the trial began I payed on time as the modification agreement.after completing the trial the modification approval arrive on XX/XX/XXXX. I keep making my payments on time. and Contacting the lender every week. as of today the modification is not finalized due to XXXX XXXX is the owner of my loan and they are reviewing and eventually approve it. my lender keeps confirming that this process could take up to Six months for XXXX to be approve. I been contacting supervisors to get an strong answer of the delay, but every week I received the same answer is under review and keep making your payments .on the other side I received one or two phone calls from the bank requesting payment of the past due and threat me that if I do n't pay the balance I will be in foreclosure and loose the property. My answer is that I am on a modification process and is not finalized. I am requested the bank representative to please check the notes to understand the process and treating me with foreclosure actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
SINCE 2010 THE COURT REQUEST XXXX XXXX XXXX XXXX TO PAY THE BILLS FOR THE HOUSE AND IM DONT. 
HAVE TO DO ANYTHING WITH THE PAYMENTS HES AFFECTING ME UNPORPUSE. 
That mean 1st. Mortgage ( XXXX XXXX ) and 2nd Mortgage ( XXXX )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I reviewed my credit report and see where they have listed an item on it. I have requested a verification of the debit and asked them to provide proof. By sending me a copy of a document I have signed. They have not sent me any proof that I owe this debit. They have not sent me a copy of my signature as federal law mandates. If they do n't remove this from my credit report, I plan on suing them for damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: RoundPoint Mortgage Servicing LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am being overcharged ( Corparate Advance Fees ), Home Preservation Fees. My home is being evaluated up to XXXX times this year alone, and I am being charged those fees. Is this really necessary? When getting an appraisal, I know that XXXX is enough. Please help. Could I at least have proofs?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: ProCollect, Inc.
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 is not mine

Complaint:
Unknown and not my debt. There is no way this social matches mine or date of birth please remove off of my credit file as a dispute was processed to the credit agencies and the credit agencies stated they verified which I do not believe is accurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Arbor Residential Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am formally requesting that AMS remove the 30 day late reported on my credit report as it is INACCURATE. For account number AMS SERVICING INC XXXX we were never late during the month it shows on the report, please delete the 30 day late reported as it is incorrect and see my proof of payment that I made to the previous mortgage serviser!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: ERC
State: IL
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 popped up on my credit report and i have not had done business with at t that im aware of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-10
Company: ERC
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:
I hve an acct that does not belong to me that has reported on my credit file from your company enhanced recovery 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 2016-11-14
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:
I recently viewed my credit with XXXX XXXX ; XXXX and XXXX on line and I am appalled to see accounts as far back as 2010 reporting on my files that I do not own and did not give my authorization for activation. I currently have an open case with the XXXX XXXX, Florida XXXX which involves a situation of XXXX and Identity Theft. Please forward the application document and all other documentation validated and used to open this account so that it may be added to this investigation.

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 2016-04-05
Company: ERC
State: VA
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:
The debt is not mine I never had a contract service with XXXX, I had a prepaid service with them that is all.

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 2015-07-16
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Approx XXXX XXXX 2015 I made complain against America Service Company I applied for loan modified and the paper work continue to get misplace from the Agency. I was never told they denial the claim, I began with a new Contact and they continue to ask for additional paper work I send the paperworked requested, When I ask XXXX the reinstatement amount he told he could not tell me and that home was not in foreclose status, after final talking with customer service, they said it was but could not give me a amount. I think the Company does not have any intention to help the consumer.Conflicting information.Omb # XXXX previous claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Other

Complaint:
I applied for a Wells Fargo credit card online around XX/XX/XXXX. I received the card in the mail and activated it. Immediately after activating I attempted to set the account up online. I could n't get it set up so I called customer service and they indicated that the card was deactivated by the fraud department. I called back to talk to someone else because it did n't make sense. And this time the customer service rep told me I would need to go into a Wells Fargo branch to confirm my identity and then it would be reactivated. I went into the Wells Fargo branch at XXXX XXXX XXXX, XXXX, TX XXXX, the next morning XX/XX/2016 and the branch manager ( XXXX -- not sure of the spelling -- -XXXX lady ) was on the phone for at least 20 minutes and afterwards told me that the card could not be activated and she kept the card. I asked her why it could n't be activated and she said I would need to call customer service. I called customer service and they just said it was a business decision. Yesterday, XX/XX/2016 I received a credit card statement dated XX/XX/2016 in the mail indicating I have a credit line of {$8500.00} with a {$0.00} balance. I called Wells Fargo customer service again and they told me to disregard the statement as it was a mistake and the card was never opened. I decided to check my credit report with XXXX and noticed there were XXXX credit inquiries on my account on XX/XX/2016. I put a fraud alert on my credit. Additionally, since I do n't have the original credit card I can not be sure that the account number on the statement is the same account number as the card since the branch manager took the card from me. I 'm confused as to why there were XXXX credit inquiries on XX/XX/2016. This also lowers my credit score!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
Everything company never veryfy my signature compare, i explicated more and XXXX more this situation in me personal credit report but, company no look nothing, i cases account closed more 10 years laters ,XXXX diferent accont example telefone and me person sent evidence includibg my termine divorces and nothing and help removed ever cased closed when me person dispute XXXX years dispute ,XXXX years removed error inquirys, pleses help, i sent XXXX divorce, letters, id, dirrection, ss id, id fse XXXX, letters tamps helpme, i narred true i notify ever company but nothing, a my favor in my person tallk the true i need bying home but my credit affect in discrimunedded based law. Never power bying home

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Three years ago I went to the XXXX for one day. I paid all bills associated with this visit and am now being contacted by a creditor claiming they purchased my " debt '' and are looking to collect. I claim that these bills never existed and wish to restore my credit and absolve myself of these false accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted Equifax via fax and mail stating that I have no business with these inquires on my credit report and I want them removed. How many times is it going to take to have them do there job. I have put a fraud alert on my account so no one opens an account under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I just spoke to XXXX XXXX, a supervisor, at XXXX XXXX XXXX. She is mailing me XXXX credit card statements for XXXX. According to her, the reporting of time-barred accounts is both Equifax 's and XXXX policy. She told me they will be mailed from Delaware. She also told me that of the XXXX credit reporting agencies ( they provided me information about ) on their XXXX XXXX XXXX letter, that only Equifax refused to remove it. Let me remind Equifax , the FRCA does not allow indefinite reporting of an account closed in XXXX regardless of whether it is positive or negative reporting. But, in this case this SOLE credit account is and was never owned by XXXX XXXX XXXX to begin with. This is fraudulent time-barred reporting. FCRA does not allow such reporting in XXXX for an account closed in XXXX. As the stand-alone outlier, among all XXXX agencies, it is pretty obvious that XXXX companies need to comport with FCRA. My recent Confirmation # XXXX still continues to show this time-barred account. This is illegal. I will be contacting the XXXX in Georgia, where Equifax mailed this report, and supply them with my documention to get this fraud investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
We filed bankruptcy XX/XX/XXXX  XXXX, our mortgage company at the time, was exempt from the bankruptcy.  However the credit bureaus show XXXX was included in the bankruptcy.  We have disputed this XXXX with supporting documentation and it still has not been removed.  Equifax says they need to contact XXXX.  XXXX filed bankruptcy in XX/XX/XXXX also.  We contacted XXXX at XXXX who informed us that they have no information on any accounts in our name or at our address so they could not help us.  Our account was in good standing (not late or missed payments) withXXXX when we filed bankruptcy.  XXXX took over XXXX accounts in XX/XX/XXXX.  We have continued to make our payments on time.  Equifax is saying they need another 30 days to investigate.  The original dispute was to remove this SAME incorrect information. We have not heard anything from XXXX.  Because of problems with their website we had to send the dispute by US mail.  XXXX is the only agency that has corrected the information.XXXX was sent the exact same information. Since filing bankruptcy we have worked diligently to re-establish our credit. We have done all we can and now we   need your help ASAP to get this information corrected. I had no idea that it would be so difficult and take so long when we had proper documentation. You are our last hope.  Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
remove the fraud alert and statement from my credit profileXXXX XXXXSS # XXXX XXXX XXXX VA XXXXDOBXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Stuart-Lippman and Associates, Inc
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Stuart-Lippan claims I owe the XXXX XXXX company {$12000.00}. I have written and asked for proof that I owe this money. I did not receive and answer. When I asked XXXX XXXX of Stuart-Lippman for prof he told me they will prove it at court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: AmeriCollect
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:
Contract does not exist between myself and debt collection company. Debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Rent Recovery Solutions
State: OK
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 was renting an apartment for I pay on time, pay more than {$700.00} on deposit. I did all the steps they told me to do before I moved out. After I moved out they never contact me about anything, then after XXXX months a Collection agency is harassing me all the time that saying I own {$410.00} to the apartment. 

I asked for evidence about this debts. They said they will give the evidence, but they never did.They just contact me every other day. Then, they open a case in my credit report, but they refuse to provide evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Collection agency is pretending they are lawyers threatening lawsuit. Calling friends and family and harassing them. They wont give real names when i call the number they tell me to call, And will not send me written info when asked. Someone from XXXX collections claimed he was lawyer and when i called second time they said they work for a law firm. They give a claim number to friends and family saying i will go to jail for fraud they are scaring me. Ace checking cashing is who i owe, The telephone number they told me to call is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: General Motors Financial Company, Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My vehicle was repossessed on XXXX XXXX, 2015. I do n't think it 's fair that the lender can repossess my vehicle as collateral and still earn money as a result of a deficiency. The only compensation should be the collateral and not both the collateral and deficiency. I have also left messages for the company that repossessed my vehicle to allow me to come and get my personal property and they have not returned any of my telephone calls. Consumers should not be treated in such a disrespectful manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a santander bank account -at the time of account opening -I opted for no debit card. Now when i am logged into the account and wanted to transfer money to my account in another bank - it is not letting me do that. It is asking me to enter the debit card # and PIN. As i do n't have that - i can do nothing. When called customer service they are not helping with the reason that i need to provide " debit card # and PIN ''. other option go to the branch ... i live in XXXX AZ and there is no way i can go to their branch for that. 

another issue - there is no security in their online banking ... i am inactive on that page for more than XXXX minutes -it has n't logged me out.

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