BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-02
Company: Financial Corporation of America
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I did n't really know what to put this under. But the collection agency sent me the financial aid application for XXXX and I 've filled it out and took it up to the hospital however they refused to take it because it has been well over the time frame for submission. However it is the hospitals fault that the application was not submitted in time because of their initial refusal to assist me with my 1st request

Company response to consumer: Closed
Consumer complaint received 2017-03-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I opened a car loan with Wells Fargo bank on XX/XX/XXXX and it was paid of early on XX/XX/XXXX. Originally there wasa discrepancy of {$2.00} this was later corrected, but they reported my account XXXX, XXXX. XXXX days delinquent. I spoke to and wrote to the office of the president, and although they promised to assist me in resolving the problem, they did not communicate with me in writting. Because of the lack of response they continued to report me delinquent. There was another conversation where they indicated I was {$490.00} past due for a forved insurance, which I was paying on a monthly basis and I tought the balance and payments reflected this. I forwarded all of the documentation they requested, but never responded to it, I only had conversation with a supervisor but never received any correspondence from the. Later I found out that they charged of the account, even though I was working with them to correct it. Since the president of Wells Fargo had been terminated for fraud, I wrote to the XXXX of the board only received ackonowledgement he received it and that I would receive a letter within XXXX days this never happened, The have noe simply refused to work with me and do not return any phone calls, e-mail or correspondense.

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 2016-08-04
Company: WASHINGTON FEDERAL BANK
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have an adjustable rate mortgage with Washington Federal. On the change date they did not calculate the new rate per the terms on the contract. I have reached out to them 3 times with no forward progress on the issue. They can not produce a copy of the loan docs. I have a copy of the loan docs. The rate should be capped at 4 %. They raised the rate to 4.875 %. There is a line on the loan docs that is titled ; LIMIT ON INTEREST RATE CHANGE ; and it states ; The interest rate I am required to pay on the change date will not be greater than 4 %.

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 2015-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Classification of multiple names is ridiculous. I was married. I have since divorced and no longer use his name. He is also deceased as of last year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
It has been 7 years since I voluntarily requested that that Chapter XXXX be withdrawn. The bankruptcy was dismissed by my request and vacated. I found a way to pay creditors and avoid the need for restructuring. The public record for said action has fallen off of my credit reports for XXXX and XXXX. But Equifax states that their policy is 10 years. Why does Equifax get to be the exception? It seems totally unfair that this one agency is the exception for an action that I voluntarily withdrew and was affirmed vacated by the bankruptcy court over 7 years ago. It seems as though the reporting agencies are never about helping consumers but are in league with lending and business interests to extract as much hard earned money out of them as possible. Disputing with Equifax simply earns you a form letter stating that it is their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax has many times refused to investigate the underlying debt from XXXX that produced a lien from the State of Michigan, even though that lien and the underlying debt was disputed and eventually deemed not owed. Due to the lack of response from the State of Michigan, it took over year for the lien to be removed after the state was legally required to remove it. 
Equifax continues to confirm that the lien was there up until XX/XX/XXXX, but never looks at the underlying debt date and disposition. They refuse to do a full investigation on this item and refuse to remove the lien that was based on a debt not owed from over 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been in contact with the credit bureaus in regards to recent hard inquiries on my credit. I work for the government and Office of Personnel Management ( OPM ) had a malicious cyber intrusion which resulted in XXXX employees information being breeched XX/XX/2015. I was an employee that was effected and OPM sent me email that is attached dated XXXX XXXX, 2015. I have been getting hit with multiple inquiries on my credit and I have communicated in writing, as well as on the phone to all three credit bureaus. They will not remove what has been requested and once again I can not get anywhere,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
EQUIFAX IS REPORTING SOCIAL SECURITY NUMBERS THAT DO NOT BELONG TO ME ON MY CREDIT REPORT AND I HAVE SUBMITTED MY SOCIAL SECURITY CARD AND PROOF OF IDENTITY TO THEM SEVERAL TIMES AND THEY STILL HAVE NOT REMOVED THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-26
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have made along with my son several requests to remove derogatory credit information on my sons credit report. We both have similar names each credit report agency is using my credit history on my sons credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This agency ( Equifax ) has continued to report inaccurate information on my Credit File. They continue to report XXXX 90 days late payments of XXXX of my student loans serviced by XXXX XXXX. i have disputed this on numerous occasions but the agency claims they carried out a thorough investigation and found the reporting accurate. That is impossible. please review the attachments very carefully. I have never been late on these accounts, In the attachment you can see that i was never late in any of the prior months before and following months after the stated 90 days late payments. It is impossible for me to be 90 days late if i was never late in any prior months or months after the date claimed by these agency. I have called numerously to the bureau as well as the Company servicing the loans, despite all the evidences provided that shows that these company and Equifax continue to report inaccurate results on my report, they have refused to remove the late payments. This is a violation of the FCRA and by law they are required to remove both late payments on all the XXXX loans reported by XXXX immediately. I request this be removed from my file immediately. If this is not removed in the next 5 days, i will be forwardind all evidences to the Maryland State Attorney for further actions against Equifax for failure to comply with the FCRA. I will also take legal actions against Equifax and they will be liable for Defamation as a result of false reporting, which has prevented me from successfully obtaining a mortgage for my Home purchase for my family. Once again, review attachments carefully and delete both late payments on the XXXX loans immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts and they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the XXXX Court does not verify any information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I contacted Equifax by phone on Thursday, XX/XX/XXXX, and today, Tuesday, XX/XX/XXXX to dispute my Chapter XXXX dismissed bankruptcy I filed XXXX over seven years ago. 

I requested " verifiable proof '' by Equifax. I am entitled to the " verifiable proof '' by Equifax under federal law. The agent with Equifax , stated today XX/XX/XXXX, that they have no " verifiable proof '' as to why they are still reporting the Chapter XXXX, and to legally report my bankruptcy for three more years. I requested with the agent to have Equifax mail me a letter in writing, stating that they have no " verifiable proof '' to report this bankruptcy for 10 years. The agent hung-up on me today, and the first time I called on XXXX XXXX, the agent also hung-up on me as I was giving the agent information on my file to dispute the bankruptcy. 

The credit bureaus do not tell their consumers that their is a federal law which requires them to have " verifiable proof '' to report bankruptcies past the reporting period, and to provide that information to their consumers if it is requested by the consumer. My Chapter XXXX has been removed XXXX two months ago, but Equifax has a policy to report Chapter XXXX if it is dismissed up to ten years. 

Equifax needs to now remove this bankruptcy from public record on my Equifax file if they do not have " verifiable proof '' to continue reporting this bankruptcy under public record. I am retired senior, and I can not obtain financing to borrow funds to have needed dental work done due to this bankruptcy. The reporting by Equifax is still casting a dark shadow on my credit, and I have patiently waited over seven years for good credit so I can borrow funds if needed. Equifax does take into consideration that they play with people 's lives when it comes to their credit. 

Equifax needs to remove the Chapter XXXX from my file, or have them provide me with " verifiable proof '' that they do have a legal right to continue reporting this bankruptcy, otherwise, if they can not support the documentation, they must stop reporting the bankruptcy, and delete this information from public record on my report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-23
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I contacted Equifax more than once to inform them that XXXX items on my credit report are no longer associated with me and need to be expunged from my credit file. The items are XXXX loans with XXXX XXXX XXXX XXXX. I co-signed the loans with my wife in XX/XX/XXXX. However, in XX/XX/XXXX, the debt was reaffirmed by my wife per XXXX XXXX, which removed me from any connection to this debt, just as the way a refinance works- the new loan terms replace the original loan terms. What happened was that XXXX XXXX hired a collection attorney to issue a confession of judgment and payment stipulation agreement to my wife. This reaffirmed debt has been in effect for more than XXXX years, but XXXX XXXX refuses to report the change to the credit bureaus, and Equifax refuses to conduct a proper investigation beyond verifying that I originally co-signed the loans. Attached is the acknowledged payment stipulation agreement from XXXX 's collection attorney that I provided to Equifax, and to XXXX XXXX and the other credit bureaus, so that they would take action and remove the XXXX loans from my credit file. Also attached is my correspondence to the credit union and the credit bureaus. XXXX is the only party who responded to my dispute by stating that they deleted the XXXX loans from my credit file. Attached is their response to my dispute with the appropriate results. Please investigate this matter of noncompliance on the part of Equifax. I am filing separate complaints for Equifax, XXXX, and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Equifax refuses to give me my annual online report, while XXXX and XXXX had no problem giving it to me. Equifax says " can not deliver your online report. ''

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

Complaint:
XXXX previously reported that I had a medical charge for service in XXXX placed into collection. I challenged this record and I received notification that the XXXX XXXX in XXXX, WA erased that erroneous collection record from my credit report. Now Equifax has a record of a XXXX medical account in my name listed as in collection. I previously investigated and discovered the charge was from XXXX WA. I have not lived nor received medical services from anyone/entity in XXXX since XXXX. The record was supposed to have corrected and I just discovered that it still exists in error on my credit report. This has not been erased from my record and is very upsetting to me as I have never had any account turned over to a collection agency.

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

Complaint:
I always pay the full balance of purchases that I make each month when I receive my Discover Card. 
On XXXX/XXXX/XXXX I made a {$460.00} payment by phone to Discover Card so that my payment would be timely for the XXXX/XXXX/XXXX due date. I was given confirmation # XXXX. 
However on my next month 's statement Discover Card charged me a late fee of {$25.00} on XXXX/XXXX/XXXX. 
The next due date of XXXX/XXXX/XXXX I again paid my purchases of {$730.00} by phone on XXXX/XXXX/XXXX, I spoke with XXXX XXXX ( XXXX office ) and she gave me confirmation # XXXX for my payment. On XXXX/XXXX/XXXX Discover Card charged me a {$35.00} late fee plus {$15.00} interest for a balance that I paid timely. 
Discover Card continued to bill me for late fees and interest on the disputed late fees for every month thereafter. It has ballooned to {$130.00}. I wrote to Discover Card on two ( 2 ) occasions XXXX XXXX, XXXX and XXXX XXXX, XXXX and they have not replied. 
On XXXX XXXX, XXXX, I retrieved a credit report from XXXX and XXXX. My credit score went down due to XXXX negative entry posted by Discover Card. Discover reported that I was thirty ( 30 ) days late for the month of XXXX XXXX. I was not late. I paid the amount that I charged. I simply refused to pay the disputed late fees and interest. I have attached my statements and copies of my letters.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-16
Company: Stuart-Lippman and Associates, Inc
State: NC
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:
I have been paying on a promissory note related to a settlement since XXXX 2015. I have never missed a payment. 

However, a collection agency, Stuart-Lippman and Associates, started calling me stating that a payment was not made, and that if I do n't pay the required amount, then, I will be in default, and they will start the lawsuit all over again. 

The person from Stuart-Lippman claimed that I had to pay {$790.00} plus an additional payment of {$620.00} for a previous month to consider the settlement not in default. If I did not pay, then, he threatened that the settlement would be null and void. 

Then, subsequently, when I said those numbers did not make sense, he pressed and said the balance was more than it was, and falsified additional payments amounts to pressure me into making payments that were not required. 

Under the note, the payments are only {$500.00} per month. When I said he was wrong, and that he is violating Consumer Protection laws by making false statements, he then, retracted his statements and basically agreed that it was {$500.00} per month. 

Though he has retracted what he meant, he was still previously pressuring me and providing false statements to entice me to pay a higher amount that was not required, which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Other

Complaint:
PARDON THE CAPS, BUT I HAVE JUST GOTTEN OFF THE PHONE WITH DISCOVER, XXXX XXXX EVENING EST. THEY HAVE CONTINUED TO BE QUITE DENSE AND AM AT WHITS END AND REALLY AT THE END OF MY ROPE HERE. I HAVE XXXX MAJOR DOCUMENT WHICH IS MY XX/XX/XXXX YEAR END SUMMARY OF EXPENSES INCLUDING ALL CREDITS AND DEBITS WITH ALL ACTIVITIES FROM XXXX PREVIOUS CARDS CARRIED OVER AS TRANSFER BALANCES, THE TOTAL REFLECTS THE AMOUNT OF {$12000.00}. THIS AMOUNT WOULD BE ADDED TO BE XX/XX/XXXX OPENING BALANCE OF {$5600.00}, I WILL NOT ARGUE THAT. I CALLED DISCOVER WITH THIS CASE AND THEY SAID GO BY THE PAPER BILLS, SO WITH NO LIGHT AT THE END OF THE TUNNEL IN SITE, I DID AND PAINSTAKINGLY CALCULATED ALL CHARGES FROM XXXX PAPER MONTHLY STATEMENTS AND CAUGHT AN ERROR/OVERSIGHT ( ATTACHED ). MY OFFICIAL TOTAL SHOULD BE {$20000.00} FOR XX/XX/XXXX, FURTHER LESS CONSIDERING I MADE PAYMENTS IN XX/XX/XXXX WHICH IS A INDISPUTABLE {$19000.00}. THEY WILL NOT RECEIVE ANY PAYMENTS NOR WILL I INCUR ANY PENALTIES UNTIL THIS ADJUSTMENT IS MADE AS I HAVE GONE OFF THE PAPER MONTHLY STATEMENTS. YOU WILL FIND ALL OF THIS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: DISCOVER BANK
State: MD
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have applied with Discover credit card on several occasions using the pre qualify link. Once you enter your information it comes back and says personalized offer for you. I have then completed the application to see if I qualify. The message then comes up denied. I then had a friend apply who has a much lower credit score than me and it still came back as this is the personalized offer for you. Once they applied it came back as not approved. I feel that discover is just getting people to apply while they already know the person will not be approved. This causes hard inquiries to post to individual 's credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Mid-Michigan Collection Bureau
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was never contacted and properly notified by this collection agency for some old medical bills they were attempting to collect. My first notification came in the form of checking my credit report and noticing the collection accounts noted on my report. I immediately contacted them to make some sort of arrangement. I informed them that I wanted a pay for delete or else I could use HIPPA rights and force the original creditor to take the account back, paying the original creditor directly and avoiding the items being reported. The collection agency then, sensing they would loose out on approximately {$800.00} promised to remove the derogatory remarks, since I was never properly notified, if I paid them directly. I paid them directly, and they removed XXXX of the accounts but XXXX remained. I have been contacting them and calling them to no avail. I feel completely defrauded and my rights were violated. Their only interest was collecting the money. They have destroyed my credit and have caused me to loose out on credit being extended to me. I want them to fulfill the promise made to me as I followed thru on my promise and paid them in full. The agency in question is called MID Michigan Collection Agency in XXXX XXXX Michigan ( email XXXXXXXXXXXX ). Their phone number is XXXX. Please help! I feel so victimized. I have sent letters to the Michigan State Attorney General as well as the FTC. I also understand that they broke the law by even promising a pay for delete so now it makes sense to me why they are bailing out and refusing to go further with my accounts. So many laws were broken here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation