BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been disputing with Equifax for several years now concerning the inaccurate reporting of information on my credit report. When I submit the disputes, the results come back verified, but I can not verify these account with the information provided on my credit report ( Account number, original creditor, collections ). Equifax also is report accounts as charge-off and closed, even though I have provided proof of accounts being paid by insurance companies and not having late payments. Additionally, Equifax is also reporting on account that have been closed 5-6 years ago and continues to report monthly with some updates being paid on-time and then late. This is impossible considering that the activity has been reported on the account since the account was closed and/or the last payment was made. Additionally, Equifax is verifying as accurate and verified even though there are HIPAA law violations, which I have mentioned before. Equifax also barred me from seeing dispute results. The results of much of those disputes are no longer available to me. The most recent time this has happened was XX/XX/2020. Additionally, I requested information from Equifax, detailing the independent verification process and methods used when verifying these account. I have not received a response. Much of the inaccurate information reported by Equifax has adversely affected my credit for years, which is a violation of my consumer rights under FCRA and FDCA. Additionally, I contact the accounts on file and many of these creditors were not able to provide me of the original contract with a signature to verify the account was mine. This was also report with not response from Equifax. Additionally, not all infromation is reflected the same across all three credit bureau 's with Equifax having the most discrepancies and inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: EQUIFAX, INC.
State: VA
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: Their investigation did not fix an error on your report

Complaint:
Two days ago I submitted a complaint to all three credit bureaus regarding their failure to raise my score after their investigation and removed inquiries. I further explained that when the fraud inquiries happened my credit scores all dropped over 5 points each but when they were finally removed my score only went up one point. I received confirmation that the CFPB submitted my complaint and just today I was alerted from Credit Karma that my scores all dropped today by 14 points each. I checked and there was no reason for this to happen, there are no new inquiries or any payment errors. The Credit bureaus dropped my scores on purpose as retaliation for my complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account : XXXX XXXX, account number : XXXX Account : XXXX XXXXXXXX XXXX, account number : XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 a. States I have the right to privacy.

15 U.S.C. 1681 section 604 a. section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 section 2 ( a ) ( 1 ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural, I am a living being, I have rights 15 USC 1681. 

Equifax is govern 15 USC 1681. And they violated my right numerous of time. I demand the accounts listed below be removed because : According to 15 USC 1681- I have the right the privacy and did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021, I recieved an email from my XXXX XXXX reporting that a TD Bank account was created/opened in my name. My name is XXXX XXXX XXXX and the debt card number XXXX. On XX/XX/2021, I recieved a TD Bank debt card with my name on the debt card. I did not request or open this bank account with TD Bank. I called TD Bank to report this to their Fraud Department and they told me to report this activity to you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Fairway Independent Mortgage Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Applied fir a convention renovation loan with Fairway mortgage. Question up-front was ... we gave our home to our son a year ago and was told that if he made 12 months of mortgage payments from his own account then the mortgage payment would not be included in our income to debt ratio. We had to extend our offer with the seller by 2 weeks which all parties signed. Now the Fairway underwriters are saying they are not willing to take that mortgage payment off our ratio and they will not make the loan for the new property for us. Our point is if this is a Federal guideline and we have shown that our son has made the 12 months payment out of his own checking account why is this being denied?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from Franklin Collection Services. The letter offered me an settlement on an XXXX account that I do not have ( never had XXXX ). In the letter it stated pay or contact your attorney. I attempted to contact this company and was told that they suggest I speak to my attorney to protect myself. When I asked from what the agent laughed and stated collection efforts. I now feel intimidated and afraid for my life and my financial future, seeing as these people have my address and my phone number and are threatening legal action with no proof or validation offered!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2023-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was sent a fake check, it redeemed and sent money but it returned chargedback a day after I sent the money.

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 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Their investigation did not fix an error on your report

Complaint:
Dear XXXX cfpb ; XXXX XXXX  ; transunion , ****see attachments**** I need you to start a new investigation regarding the account listed below : I disputed this account with the credit bureaus 30 days ago, and they stated that you verified the accounts. Im confused, how did you verify this account when Its accurate? I know that all furnishers must have procedures in place to report accurately to the credit bureaus. I would like to see a copy of the procedures that your company have in place to make sure that they comply with the law and that the account listed above is reporting accurately. These incomplete and inaccurate items are causing harm to my credit score and I need it fixed ASAP.
Please fix this situation and get back with me within 30 days.

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a collection for the amount of {$700.00} under the name XXXXXXXX XXXX that I won a judgment against and was closed. But now that same debt is showing up on my credit report under a new name as XXXX XXXX. This debt I already won a judgement against and had removed from my credit report and now this same debt is showing up as a new account name. This is illegal

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 2021-05-28
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Macys has {$300.00} on my credit report. I never received a notification about this payment until I look at the my credit report. This is a identity theft.

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 2020-07-08
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I Used Chase Visa card to purchase tickets for flights from XXXX to XXXX, XXXX. 
Flights were canceled due to Covid 19 I have requested a refund. No response. 

I placed a chargeback via Chase Ink Visa. It was Denied. 

My complaint is against Chase Ink for failure to honor the chargeback. 

The Airline canceled my flights because of Covid 19 DOT XX/XX/XXXX Enforcement Notice Dictates they must refund my money. 
It is a fraudulent transaction since they will not refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
After the data breach with Equifax, I put a freeze on my account with them. 

I have tried a number of times over the past 6 months to get my credit report via XXXX from Equifax, but each time, I get an error that they are unable to complete my request, and that I have to mail in documents. Since my data was involved in the Equifax breach, I'm reluctant to trust them with that sensitive documentation, so I have been trying to find an alternative. 

I also have a myequifax account, set up when I froze my report, and similarly over the past 6 months have tried a number of times to login and remove the freeze, but when I attempt to login, I get a generic error and a phone number to call. 

When I call the number, or when I call any number to reach equifax to discuss the freeze and the inability to get my report, it takes me through identity verification questions, and without fail ( I have tried calling many, many times ), the 4 questions do not pertain to anything in my credit report. I answer None of the Above to each, and inevitably, the automated message says that they are unable to complete my request. 

I can not figure out ANY WAY to get in touch with a human being at Equifax to see what is going on with my report, and after hours and hours on the phone, and months trying to figure this out, I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Started my Public Service Forgiveness process on XXXX. My lender altered my loans and changed my payment status several times over the course of the 10 years and I am now at 48 months of forgiveness instead of nearing the 120 months of forgiveness. I have attempted to call the servicer several times regarding this issue and each time you receive a different answer and a different employee. I have requested in writing my loans were altered and they have failed to provide proof of my request to alter my loans or change my repayment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The school had me take out a nearly $ XXXX student loan in order to enroll and complete their XXXX XXXX   program. however, they did not tell me that there was two parts to the program and that I will later have to take out a second loan to complete the second part of the program. The whole time I was in school, I was under the impression that the $ XXXX loan would cover both parts of the program. Once the first part was complete or nearly completed, I was then informed of the fact that a second loan would be needed in order to continue. I was then also informed that I would have to quit my job in order to complete the second part, again, the whole time I was under the impression and the school made it seem like I could continue going to school and keep my day job in order to pay my rent. It turned out that the second part could only be completed full time which made it impossible to complete the second part of the program and keep my job to pay my rent. I was left with no choice but to stop going to school and was left with a nearly $ XXXX student loan which I've paid more than half already but it is getting harder and harder to pay it and the school didn't really help me reach my goal. Is it possible to get this type of loan forgiven? It has made hard for me and my wife financially and I got nothing out of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: EQUIFAX, INC.
State: TN
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:
I have been a victim of identity theft and numerous credit cards, bank accounts, and cell phone accounts were opened using my information and the balances were left unpaid. I previously submitted a complaint ( XXXX ) on XX/XX/XXXX against Equifax with CFPB. Despite receiving the FTC ID Theft report and police report, Equifax did not remove the information despite many requests and disputes. After filing the first CFPB complaint, Equifax finally removed the accounts and responded to the complaint stating they did so because of a referral from another credit agency. However, just a few months later they put these accounts back on my report. 

Equifax has received information in excess of what is required to remove the unauthorized accounts. Despite telling me and CFPB they were permanently blocking the information they placed it back. The 5 accounts are listed below. I have also filed yet another FTC ID Theft report and attached it to this complaint. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04
Company: EQUIFAX, INC.
State: CA
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:
The documents attached provide all info. I have unrecognized and unauthorized inquiries. 

I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: SUNTRUST BANKS, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Suntrust Mortgage provides a horrible level of customer service. My mortgage loan was sold to Suntrust through no choice of my own. I have been trying to make an online account for almost two weeks, since THEY ( Suntrust ) changed their website, and my old login no longer works. When I try to create the new account, I receive an error message stating, This service is temporarily unavailable. Two weeks is more than temporarily. When I try to call, I am consistently on hold for OVER FORTY MINUTES!! The main reason for my call is that my autodraft amount has changed against my will. I have previously requested that an extra amount be drafted each month. This extra amount has not been drafted since Suntrust has changed their system/website. This change is going to cost me more over the life of my loan, through no fault of my own. In the past, Suntrust has also erroneously reported on my credit report. If anyone reading this has any choice in the matter, DO NOT ALLOW SUNTRUST TO SERVICE YOUR MORTGAGE LOAN. I wish my loan could be transferred to another servicer, and that these inadequate service levels would not be tolerated in the industry.

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 2023-01-19
Company: Experian Information Solutions Inc.
State: GA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX**** Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX GA XX/XX/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 2021-05-28
Company: EQUIFAX, 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:
I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
A recent investigation of Acct Number # XXXX Creditor : XXXX XXXX XXXX  did not remove the unverified negative account from my Equifax credit report, reporting in collections. 

Equifax Under the FCRA is required to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In results of their investigation they did not send me provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation