BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello CFPB, When attempting to sign up for early access to the new XXXX XXXX this past summer, however my application kept getting denied. I had sufficient income, and XXXX and XXXX XXXX ( creditor ) couldn't figure out why my application was being declined. 

Eventually it was found that the hang-up was the identity verification process : Equifax could not reconcile the differences on my application with the information they had on file. 

I verified my address and DL number with Equifax over the phone. It became clear soon what the problem was, though : they told me that my SSN on their credit file for me wasn't correct : It was XXXX instead of XXXX. 

I was instructed that I would have to help them verify that the SSN attached to XXXX wasn't a real number, and wasn't mine. I would have to *FAX* them documents and include a letter to their dispute department with *specific verbiage* ( which I was verbally read, but can not find online ). 

These documents include : A copy of my social security card, my birth certificate, a recent bill verifying my residence at XXXX XXXX XXXX ; all sorts of information that I can easily get, but I absolutely do not want to FAX them and create a security risk to my identity. 

But that's not even the basic problem : I don't own a fax machine and I don't know anyone that does, either, so how am I reasonably supposed to correct my information? 

Furthermore, I can't sign up for an account on Equifax 's website because of, I suspect, this issue. 

I also can not request my legally-mandated free annual report from Equifax due to their error. I have already been supplied with accurate ( and blank, I should add ) reports from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third-party involved. Upon reviewing my updates, incorrect personal information were found still in my reports. The XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the personal information that is still reporting on my Credit Reports and need to deletXXXX completely from my Credit Report : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: CA
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Credit Card Receivables Fund Incorporated
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I have tried to pay this debt since 2019 - however they sued me, illegally, even though I was always willing to pay this debt, and lied to the court claiming I was unwilling, when I have priority mail receipts that I have requested a pay-off quote, a settlement with them. 

Now they responded to you that they will accept a payment, but they still have not sent anything to me in writing, no confirmation, no official settlement statement that with a one time payment of XXXX. amount this debt will be settled ones and for all and confirming that they will take no further actions and will dismiss the lawsuit against me immediately etc. - NOTHING - NO DEBT SETTLEMENT AGREEMENT, no letter or agreement from them at all. 
What they are saying/writing to you is not true, they have not contacted me accepting any settlement, agreeing to any pay-off quote, I have not received anything from them, while I have sent them 5 priority mail letters in the last few months alone, requesting information and a pay-off quote and settlement.

PLEASE ASK THEM TO PROVIDE A COPY OF THE LETTER TO YOU WHICH THEY CLAIM THEY HAVE SENT TO ME AGREEING TO A SETTLEMENT - I have NOT received anything. 
Thank you! 
Kind regards, XXXX XXXX PLEASE FORWARD ALL INFORMATION AND ATTACHMENTS TO XXXX XXXX XXXX AS WELL AS TO UNIFUND ( so UNIFUND can see how their lawyer treats and intimidates people and does NOT get in touch with people who are willing to pay debts )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Green & Sons Agency, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per my XXXX  REPORT, SHOWS 13 ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX  AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Fay Servicing, LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Fay Servicing has ignored our requests for mortgage forbearance extensions past the initial 12 months provided by the Cares Act which ended on XX/XX/2021. President Biden signed an executive order granting 2 additional 3 month extensions if we are experiencing covid-19 hardships. Before our initial 12 months of forbearance were up on XX/XX/2021, we sent emails and a certified letter requesting the forbearance extensions to our loan servicer, Fay Servicing on XX/XX/XXXX, and again on the XXXX, XXXX. We then sent a certified letter requesting the forbearance extensions on XX/XX/2021. These requests were ignored by Fay Servicing. 
We received a letter from XXXX XXXX XXXXXXXX, XXXX on XX/XX/XXXX stating there were hired by Fay Servicing to collect our mortgage debt. They said we had 30 days to dispute the claim. On XX/XX/2021, without giving us time to dispute, Fay Servicing filled out a Substitute of Trustee form giving XXXXXXXX XXXX XXXX  the right to collect on our mortgage. On XX/XX/2021 XXXXXXXX XXXX XXXXXXXX sent a notice of their intent to sell our home because of alleged default. 
This is all illegal according to our right for mortgage forbearance and our right to apply for a Loss Mitigation to help us keep our home. 

Please look into our situation and help us. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response about the written requests I sent in EQUIFAX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Experian Information Solutions Inc.
State: MS
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:
I have previously sent letters requesting verification of debt to XXXX XXXX XXXX XXXX XXXX XXXX immediately after noticing the new collection on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX sent me copies of bills with procedures performed with my maiden name, XXXX XXXX, and my birthday, which I have not used since 2010. I also had to give them my address because the address that they had on file was not mine. I made copies of these letters and sent them to Experian with a letter explaining that the bills did not belong to me. To begin, the bills that were sent did not have my signature, a name that I actively use nor an address that I actively use. Furthermore, I was insured when the bill was incurred. I requested that Experian send me the documentation that was sent that convinced them to verify the debt. Experian responded by telling me that they could not and to speak with the company directly, which I have done for almost two years now. XXXX was unable to verify the collection so it was immediately removed. However, Experian refuses to remove incorrect information from my credit report. I will seek legal action if this issue can not be resolved.

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 2021-05-10
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have discovered this company reporting inaccurate information on my credit report, and after sending them several disputes and receiving nothing at all, I have also discovered it is my right to demand and RECEIVE validation. They have violated my rights as a consumer and I need your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
Gentlemen : XXXX XXXX fraudulently charged our credit card and withdrew funds from our bank account for services not rendered. We never provided any information to them regarding both accounts not did we ever authorized any such charges or withdrawal from our bank account. 

We reported the incident to Capital One the credit card company. They immediately issued a new credit card, credited the account and promised an inquiry. 

To our utter amazement, shock and dismay we received a letter in early XXXX from XXXX, Fraud Investigator at Capital One that she did not find any indication of fraud. 
Except for an address in XXXX XXXX XXXX the letter does not have any email address or a telephone number where she could be reached. We called Capital One went around the Merry Go Around with them. No one was able or willing to help. We called again the following week on XX/XX/2019 and asked to speak someone from the fraud division. We spoke with XXXX and he put us on hold for a prolonged time. Finally XXXX, apparently his supervisor came on the line. After relating our concerns to him he finally conceded that they had received a response from XXXX XXXX but the response had another customers name on it. We requested that if we could get a copy of such response it was refused. We asked if we could get the response with the customers name redacted our request was declined again. We requested XXXX 's and his ( XXXX ) telephone number and email address. Again our request was declined. 
Finally XXXX conceded that XXXX 's report was incorrect and he would send the case back for further investigation. 

We received another bomb shell, another shocker in the mail yesterday. This was sent simply by the Customer Fraud Protection stating " We're happy to tell you that your fraud investigation with Capital One is now resolved '' Lots of questions come to mind. 

Based on what evidence did XXXX conclude that she did not find any investigation of fraud. Why are being denied in getting in touch with her. 
When XXXX concurred with us that XXXX 's investigation was incorrect and he would sent the case back for further investigation why have we received this letter yesterday. 
Is this mere negligence on Capital One 's part of collusion between them and XXXX XXXX. 

We have approached XXXX XXXX several time regarding these issues. 
They have refused to respond to our inquiry regard the charges to the credit card and lied about the illegal fraudulent charge to our bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Ocwen Financial Corporation
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Ocwen as a servicer for XXXX XXXX XXXX XXXX XXXX is illegally and fraudulently foreclosing on my property using a XXXX assignment as nominee and assignee for XXXX dated 5 months after XXXX failed and the XXXX member relationship as well as nominee status ended. I have all documents from public records that proof my claims and a very detailed report written by me with attached documents. I am also aware and have it from the federal courts where OCWEN and XXXX were doing the exact same thing using the same ammo to another home owner. The federal court proceeded to rule the documents presented by Ocwen and XXXX void ruling in favor of the home owner See XXXX XXXX  XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX - Dist. Court, XXXX  Texas 2015 - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
There is a collection reporting on my credit report from XXXX XXXX XXXX regarding a dental bill from XXXX XXXX. I've tried numerous times to dispute this item thru the credit bureau but to no avail. I've tried to get more info about the collection from both the dental company and the collection agency but to no avail. I've always had dental insurance and I've visited this dental office several times in the past and never was told that I had any outstanding bill. I always asked the receptionist if I owe any money prior to them performing any dental work bc I like paying beforehand.. the receptionist would always check my insurance and advise me that no money was due ... I never received a bill for the collection amount of {$1400.00} or an option to even dispute it. This company was unprofessional with dealing with this matter. They placed me in a debt collection of {$1400.00} and reported to the credit bureaus which should be removed.

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 2018-11-17
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: Information belongs to someone else

Complaint:
This Complaint is placed as I have been disregarded by two of the major credit reporting agencies. In XXXX I submitted a dispute toward the credit reporting agencies in regards to my personal credit being compromised in a corporate breach. Although XXXX  has followed the law according the FCRA sect. 605b and blocked the identified items in my law enforcement report, XXXX and equifax never ackowledged my request. Therefore, I am filing this complaint towards their non-compliance with this congressional act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have no knowledge of the following inquiry XXXXXX/XX/2019. Please investigate and remove 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 explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I got an email about 2 years ago from XXXX XXXX that my student loan was defaulting to my surprise. I reached out to them immediately. When I called at them they told me my account had been suspended and turned over to the default resolution group and to wait for them to contact me. I checked my credit report cause I thought I had just recently had re set up payments, and it even was reported I made the 6 previous payments before this issue. I called back and explained the situation and even offered to pay  whatever outstanding there was. They told me there was a note attached to my file saying I couldnt make payments and to wait for the default resolution people to contact me ; so I waited. They never contacted me and my loan continued to collect interest and damage my credit score. Finally I reached out to them a year and half later. The first thing I offered to do was pay them XXXX $ because thats what they said the outstanding balance was and they still told me I couldnt. They had me fill out debt consolidation forms to get my out of default only to find out from the next agent I spoke too a week later that this special type of loan would never qualify for that process. After talking to several people and asking for supervisor after supervisor I finally spoke to someone who told me that my loan cant go through default resolution because its system isnt set up for this type of loan and basically Ive been waiting under their guidance for something thatd never while they collect interest on my account. Im just trying to get this resolved so I can repair my credit score and settle this last loan. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: EQUIFAX, INC.
State: OK
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:
My HOA started reporting dues to Equifax. Equifax is categorizing these HOA dues on my credit as a secured loan. Let me add, I am up to current and never have been behind on dues. However, I was recently denied a credit increase from a creditor citing one reason as Limited information about the credit on my Home Equity Line of Credit which I do not have. It is referencing my secured loan with my HOA dues. I attempted to dispute the entirety of this with Equifax and it would not allow me to, saying I could not dispute this. It finally allowed me to dispute one month as an incorrect loan categorization but will not permit me to dispute the loan classification as a whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Opened XX/XX/2017 Amount {$480.00} Account was closed but they sent to enhanced recovery company. Disputed. They never sent verification

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