BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-30
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed an account on my XXXX and Equifax credit reports that I believe is invalid or possibly the result of prior identity theft. 

The account was deleted, but then was re-added by another debt collection company who modified the date to re-age the debt so that it would appear as a recent debt causing more damage to my credit score and prolong the duration that it would appear on my credit report. 

The invalid account is listed as {$110.00} owed to XXXX XXXX XXXX XXXX, account # XXXX, opened on XXXX/XXXX/2015. 

I disputed this account a second time with the assistance of the Consumer Financial Protection Bureau and the Colorado Attorney General 's Office. The debt collector stated that they believed the debt to be valid, but would have to deleted from my credit report while the investigation is ongoing. 

As of today, this invalid information is still on my credit report. I have attached the letter from the debt collector stating that they have requested the credit bureau to delete this account. 

I am asking that the credit bureau act promptly on this delete request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America sold my mortgage loan to XXXX, XXXX. on XXXX XXXX, XXXX with XXXX Mortgage XXXX as the new servicer. Yet, three days later Bank of America with no further interest in this mortgage, scheduled the home to be auctioned, on their behalf, on XXXX XXXX, XXXX then rescheduled by them, for XXXX XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The repossession agency that you hired violated my rights and broke into my private garage and removed my vehicle ( XXXX XXXX XXXX ) on XXXX XXXX, XXXX. My garage door now has a hard time closing and I have to push it manually to closed it. Even then, the garage does n't close all the way down. 

To this date, I have not received ANY notices regarding the repossession of my vehicle or how I may go about redeeming my car. Nor have I received any notice regarding the potential sale of my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
THE ONE TIME ANNUAL CREDIT REPORT WEB-SITE IS NOT WORKING. IT WILL NOT ALLOW YOU TO FINISH TYPING IN YOUR INFORMATION, BEFORE IT FLIPS YOU AWAY. WHY WE CAN NOT GET OUR ANNUAL CREDIT REPORT ONLINE, ESPECIALLY WITH EQUIFAX, WHO DOES NOT REMOVE NEGATIVE INFORMATION AND ADDRESSES, THAT I KNOW NOTHING ABOUT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I do n't owe any money to XXXX XXXX XXXX 2014 paid for less than full Balance XXXX this information is not accrete please take this out from my Credit Score ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The problem I am having is that I have XXXX Georgia Department of Revenue state liens on my credit report with Equifax and the liens are not correct. The reference numbers for the liens are : XXXX and XXXX. Attached you will find a screenshot from the Department of Revenue Delinquent Taxpayer List and as you can see, I 'm not on it. You can see for yourself at the website by typing in my name XXXX Thank you in advance for helping me get these removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
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: Information belongs to someone else

Complaint:
Someone initially started using first name and social to obtain medical treatment. In the late  XXXX  I had my identification including the social number and driver 's license information compromised. When I saw the damage, this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors, and credit bureaus initiated several disputes with Equifax,  XXXX , and  XXXX  over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate, were in. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer its there.     For example, there was a fraudulent account reported from  XXXX   XXXX  which I disputed a few months back, and now it is the second report and for DOUBLE the amount! Instead of  XXXX   XXXX , it 's now  XXXX   XXXX .     Companies like are one in the same, but neither one can help I think the credit reporting agencies are misleading millions of Americans and me. Thank you for helping me  XXXX  travel to   XXXX   XXXX  ,  XXXX   XXXX , and  XXXX  at least five times per year, and rarely check my credit report. Essentially because of my business, I live on  the road. R ecently after pulling my credit, I noticed some fraudulent accounts I did not open. Saw an apartment and some collections and loans. Freaked out when I saw it so I looked and could n't figure out what to do I have been researching the last year to know how to fix this. Hope this yields better success than just calling the collection agencies and bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My Wife, XXXX XXXX, opened a checking account with XXXX and later applied for a credit card with them in her name only in XXXX. In XXXX of XXXX she requested that my name, XXXX XXXX be added as an authorized user to the card that was only in her name. Apparently USAA decided to add me as a joint account user on the account which I never gave permission to. This business was conducted over the phone and I expressly informed the representative on the phone that I was in no way to be responsible for her credit card account. I never received any correspondence regarding to the account nor did I receive any account statements regarding the account. I only found out that my name was associated with the account when I requested my Credit report in XXXX time frame of XXXX. XXXX, my wife filed for Bankrupt status In XXXX of XXXX after which I called numerous times to XXXX to try to resolve the situation and they basically ignored me and told me that my wife had added me as a joint account holder which never happened. I surmise that after her Bankrupt filing that they took it upon themselves to try and collect her debt form me. My wife has no Power of Attorney from me and I never signed anything or agreed by phone to be responsible for this credit card account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: BTH Management
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company is not bonded in the state of texas to collect debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I CONTACT AMERICOLLECT XXXX ON XXXX/XXXX/2017 AND SPOKED TO XXXX XXXX LETTING HER KNOW THIS IS A FRAUDULENT ACCOUNT SHE ADVISED ME THAT THIS ACCOUNT IS IN SOMEONE ELSES NAME. THE VIOLATION IS WHEN I TOLD HER THIS IS A FRAUDULENT ACCOUNT SHE STATED WE WILL NOT REMOVE FROM CREDIT BUREAUS KNOWING ITS FRAUD. THAT IS NOT RIGHT TO TELL ANY CONSUMER

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: AL
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2016-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Please be advised, this company was already put on notice and sent documentation I am a victim of identity theft. Transunion provided my personal credit information to companies without ANY PERMISSIBLE PURPOSE under FCRA 604. 

I have attempted to dispute several inquiries with Transunion and they refuse to investigate these fraudulent inquiries. I have contacted all creditors listed below directly and they have referred me back to Transunion, I 'm getting the run around. These inquiries into my credit file were not authorized. 

XXXX Requested On : XX/XX/2016, XX/XX/2016 XXXX XXXX Requested On : XX/XX/2016 XXXX Requested On : XX/XX/2016 XXXX Requested On : XX/XX/2016 I am requesting these inquiries be removed from my credit file as they had no permissible purpose to even access it. Per FCRA. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-12
Company: Seterus, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
There has been no response from Seterus since XXXX/XXXX/XXXX XXXX XXXX. to my answer concerning missing documents. 
I officially began this journey for a loan modification XX/XX/XXXX, that is XXXX months ago. XXXX, XXXX, and now Seterus have followed the same script that must have been developed by XXXX. Lost documents, bogus loan modification offers, numerous requests for new loan modification applications ( XXXX by Seterus in 10 months ), input of incorrect figures to produce negative NPV statements, just to name a few, the list is extensive. I have XXXX large XXXX ring binders with documented behaviors. It is apparent that they have no fear of the behaviors listed in the enclosed document datedXX/XX/XXXX posted by CFPD. 

My question today is how are XXXX, XXXX and Seterus allowed to ignore the agreements they signed with Dept. of Treasury. Given the Stabilization Act of XX/XX/XXXX and the accompanying Home Affordable Modification Program Guidelines issued XX/XX/XXXX by Dept. of Treasury, the CFP Bureau should be able to bring pressure to resolve the continued bad behavior towards borrowers asking for loan modifications. 

I have enclosed a NPV statement in accordance Modification Program Guidelines also I am uploading the latest set of documents sent by mail to Seterus for your consideration. 
Request for loan modification documents dated XX/XX/XXXXSeterus denial documents dated XX/XX/XXXX received my me XX/XX/XXXXLetter from me disputing their denialAll documents listed below are available thru XXXX search. 

XX/XX/XXXXCFPB Rules Establish Strong Protections for Homeowners Facing ForeclosureNew Rules Prevent Servicer Surprises and Runarounds for Mortgage Borrowers1 -- EMERGENCY ECONOMIC STABILIZATION ACT OF XX/XX/XXXX2 -- FINANCIAL AGENCY AGREEMENT for a HOME OWNERSHIP PRESERVATION PROGRAM under the EMERGENCY ECONOMIC STABILIZATION ACT OF XX/XX/XXXX with Fannie Mae entered into with Dept. ofTreasury, XXXX/XXXX/XXXX. 

3 -- Home Affordable Modification Program Guidelines issued XX/XX/XXXX byDept. of Treasury. Pay particular attention to the portions as it relates to NPV, pages XXXX and XXXX, also Net Present Value Model Parameters on page XXXX. 

4 -- Copy of NPV evaluation results derived from data extracted from loan modification denial on XXXX/XXXX/XXXX by XXXX XXXX. XXXX pagesSincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Received an updated credit report removing prior error however Equifax changed my address to one that does not even exist. I was lucky to get the report. Now Equifax will distribute this invalid address and it will cause me major headaches. This was done on purpose by Equifax to damage and harm me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
THIS IS NOT A REQUEST FOR YOU TO PUT ANY KIND OF FREEZE ON MY CREDIT REPORT OR TO PUT ANY KIND OF FRAUD ALERT. I AM CHALLENGING YOUR LISTING OF **XXXX COLLECTION AGENCY** ACCOUNT NUMBER XXXX AS IT DOES NOT MEET THE FCRA GUIDELINES. FIRST OFF I HAVE CONTACTED THIS COMPANY AND THEY ARE TELLING ME THAT XXXX XXXX NAMES IS ON THE ORIGINAL CONTRACT NOT MINE. SO HOW CAN YOU LIE AND SAY THAT YOU HAVE VERIFIED THIS ACCOUNT WHEN CLEARLY YOU HAVE NOT. YOU ARE BREAKING THE LAW AS I HAVE REQUESTED THAT PER SECTION XXXX OF THE FCRA THAT YOU FURNISH ME WITH THE ORIGINAL SOURCE DOCUMENT THAT YOU MUST HAVE ON FILE TO SUPPORT YOUR RIGHT TO REPORT INFORMATION AGAINST ME. YOU HAVE NOT DONE THIS SO YOU ARE NOW IN VIOLATION OF THIS SPECIFIC SECTION OF THE FCRA. YOU ARE HEREBY NOTIFIED OF MY INTENTION TO SUE TRANSUNION IF THIS IS NOT REMOVED FROM MY CREDIT REPORT IMMEDIATELY. NO MORE GAMES OR WASTING OF TIME. YOU HAVE 30 DAYS BY LAW TO PROVIDE ME THE ORIGINAL CONTRACT SHOWING MY NAME AND SIGNATURE OR REMOVE THIS.

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 2018-11-30
Company: Navient Solutions, LLC.
State: NY
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:
In XX/XX/2017 I was notified by Navient that I was entitled to a deferment on my student loans ( one subsidized, one unsubsidized ) because I had been enrolled half time in graduate classes for one semester. I called to ask how much I would have to pay to avoid capitalizing interest and was given an amount in the vicinity of {$72.00}. I attempted to pay this amount twice but it was returned to me because they claimed I sent it to the wrong address, which I do not believe I did. When I looked at my account history last month, I realized a much larger amount of interest was capitalized than I would have paid if I had made the {$72.00} payment for the six months. Also, the months where payments were not taken from my account were different ( later ) than what they stated were the dates of the actual deferment. I was told that I had been given a " courtesy forbearance, '' and that interest had been capitalized on both accounts rather than just the unsubsidized acount. I assured them that I had never requested a forbearance and asked for it to be removed from my account and the interest charges credited back to me. I needed to speak to several customer service agents and supervisors before I was told that they would reverse the additional interest charges. I calculated the overcharged interest to be in the area of {$800.00}. I was asked to wait 24 to 48 hours to recheck my account. When I checked my account again it looked as if several transactions had been initiated to reverse the charges : one for {$870.00} on XX/XX/17, one for {$810.00} on XX/XX/17, and one for {$270.00} on XX/XX/17. My total balance due before I made this request was {$57.00}, XXXX. I expected to see a reduction in this balance after these credits were made, but instead, my total balance was within {$10.00} of what it had been before ( {$57000.00} ). I called Navient again and spoke to a supervisor who insisted that my balance was valid. I asked how it could be that I was credited this amount of money retroactively and my present balance remain virtually unchanged. She could not provide a reasonable answer to my question but continued to insist that it was valid. She offered to send a declining balance statement going back two years which I have attached. This statement looks nothing like the account history that is on the Navient website and I can not understand how the credits were allocated. Additionally, I do not have a comparison of the declining balance statement before the credits were made for comparison. I would like an explanation of how these credits were made to my account with no effect at all on my current balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am making another complaint in regards to the bankruptcy that is reporting on my credit. I would like to reiterate that this bankruptcy does NOT belong to me and if they had taken the time to look at the major factors that they had in their hands they would have not bothered to send the documents to me and would have in fact removed it. 

Fact # 1 : The signatures on the bankruptcy do NOT belong to me, were not made by me and I have included enlarged images of my CA state driver 's license as well as my passport for you to see the blatant differences. 
Fact # 2 : Not only was I not in the country during the date it was filed, I was not in the country during the entire year. I was out of the country from XX/XX/XXXX-XX/XX/XXXX and I am enclosing enlarged images directly from my passport which verifies this information with border stamps. 
Fact # 3 : The accounts included in the bankruptcy are not only not my accounts, but they are not even on my credit report. 

Where is their professional handwriting analysis? Where 's the affidavit that I requested? Because they have failed to remove this from my report and still " verify '' that it belongs to me, that means that they are XXXX certain it belongs to me. That also means that they should have absolutely no problem signing an affidavit, swearing under penalty of perjury, that it belongs to me. It will go great with the proof I have that this is in no way associated with me. 

I pulled the bankruptcy petition from the pacer system ( apparently the same place they obtained it from ) and am including it with this letter, notating exactly where they are incorrect. 

If this bankruptcy is not removed immediately, not only will I make a press release, but I will make another complaint with the XXXX, CA Attorney General as well as take them to court where they will need to explain why this is still on my credit report. 

US BK CT XXXX XXXX Docket # XXXX - this bankruptcy does not belong to me, nor was it filed by me or have anything to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I called Monday  XXXX   XXXX  to get an additional card. I was told it would be $  XXXX  for extra  card,  ( not  free as advertised ) I asked if there were a way to expedite shipment.  XXXX   XXXX  Dollars for  1-2 d ay shipment. they would waive the card replacement fee. I called the next day to confirm. They had canceled the new card. I asked of ra replacement. the employee kept insisting that I cancel my current card that was misplaced. I told her numerous times that I did not want it cancelled. She kept insisting that she had to protect me. I finally told her that I had  an IQ tha t qualified me for the   XXXX   XXXX   and I did not need her to advise me on finances. In flagrant disregard for my wishes she cancelled my cards. An did not ship me a new one. I can to pay my bills online now. I can not pay my car rental and can not work. Later Tuesday I spoke with a manger who guaranteed me  1-2  day shipment for a card,. And that it would be here by Thursday. I get notification at  XXXX   XXXX  Wednesday that it has been shipped. I need to pay  XXXX  bill by Friday and I can not do it. I am a   XXXX   XXXX    XXXX  patient and I do not need this stress.   This is t he SECOND Time I ha ve had tis problem.

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 2015-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion improperly updated the information provided by the XXXX XXXX company on my credit report. They updated all but XXXX of my Student Loans to state " deferred due to forbearance ''. The XXXX organization provided me a credit reference letter to validate all my loans were in a in-school deferment status. Additionally, they identified XXXX student loans that would go into forbearance XX/XX/XXXX from XX/XX/XXXX to XX/XX/XXXX for a loan realignment. I provided the letter to Transunion and they refused to accept. I called XXXX and they offered to due a conference call with Transunion but Transunion refused. The XXXX organization sent Transunion an updated status on my student loans and my credit report still has not been updated. Attached is my credit reference latter from XXXX.

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