BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-14
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
THERE ARE XXXX ISSUES LISTED BELOW : I have disputed this over and over again. I filed bankruptcy and the report ( equifax ) is showing this to be open. XXXX/XXXX, shows open and it should state in bankruptcy closed. All the others on my report are closed except for this XXXX. Yes it belonged to me, yet, they did n't come to the court to dispute it so they lost out. My atty said i do not owe this amount. This should show closed and in bankruptcy like XXXX, and XXXX etc. These show closed. Also, I have been DENIED credit and all XXXX credit reports are saying I can not get my report again because I got XXXX free at the beginning of the year. Since then I 've disputed information that should have been corrected and when I applied for credit they say I ca n't get it. Which is fine but I want to see my report because of it. Please let me know this will be closed as XXXX and then XXXX I will get after they close it out an updated report from all XXXX credit report agencies. XXXX has told me they get all information from XXXX XXXX and equifax IF anything on their site is incorrect ( which it is ) I have to go thru the credit reporting agency which I did. To NO AVAIL. Please correct. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day, ark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are requires to " promptly delete all information which can not be verified " that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX incorrect information. 
Previous balance of {$410.00} was the original purchase in XX/XX/2016, I was never late since the interest was 0 % for 1 year or 19.5 % if not paid in full. Original purchase was paid in full back in XX/XX/2016, no more additional purchases were done, and will never do!!! 
Payment : # XXXX Monthly???? I did pay monthly as shown on the attached XXXX statement .... 
Thank you in advance for your great support!!! CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: PA
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 XXXX Account # XXXX, # XXXX, # XXXX # XXXX, has violated my rights. 

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

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

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 2021-05-18
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted Equifax since XX/XX/2021 begging to remove dispute remarks because Im trying to buy a house. I should have a had a full approval by now this is XXXX ..the house will be finished in XXXX and every time I call they put the items back in reinvestigation theyll hang up or put me back in Q. Very rude you have to keep repeating yourself and at this point Im thinking its deliberately being done. Please HELP! Im just not understanding why are they refusing to help me one account has never been late the other account is a negative account Please someone please help ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed this information XXXX times. 
1.Hospital Bill ( not mine ) 2.XXXX ( I sent them the letter I received from the creditor to remove the information ) 3.XXXX ( I sent them the letter I received from the creditor to remove the information ) I receive a notification saying they have verified the information after a couple of days and refuse to delete this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I talk to XXXX over at Equifax XXXX/XXXX/2015 XXXXEst. I called to ask about permissible purpose allowing false data to being reported on my report and the protection of my identity. He stated that the data was factual. ( Factual : Concerned with what is actually the case rather than interpretations of or reaction to it ). I have sent over XXXX Letters out to these creditors asking them to show permissible purpose that I allowed permission to run my private information, I did n't receive a letter of return from not one of these companies. I have engaged a freeze on my private information because of the damages. It is your responsibility to ensure that the creditors demonstrate clean permissible purpose in accordance with the FAIR CREDIT ACT before releasing a consumer 's credit report Demonstrates that the hard inquiry for met the requirements, pursuant to the fact. 

XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXXXXXXXXXX XXXXXXXX XXXXXXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThere are multiple dates reported that it was permissible purpose. Please show that it was permissible purpose, each dates, each creditor full documentation. The data is very damaging

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: LDF Holdings, LLC
State: MN
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I noticed a deposit on my bank account for {$500.00} from Radiant XXXX that I did not apply for.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX and the Michigan XXXX XXXX XXXX my Federal tax refund in the amount of {$2700.00} on XXXX XXXX, 2015, however I paid by loan in full with penalty and interest On XXXX XXXX 2015. The overage was not reflected on my credit report, not has the full amount been returned. I requesting the following : because it is a reported error, that all references of XXXX XXXX and Michigan XXXX XXXX be removed from my Credit report in conjunction to applicable FCRA. I submitted documentation to Equifax regarding this matter On XXXX XXXX 2015, there response that was this information was verified, However by reason of the facts and circumstances supported by the documentation submitted all references to Michigan XXXX XXXX should of been removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was co-borrower on XXXX mortgage. 
1. Loan was charged off after only being 61 days late 1 time. never missed payment before or since. 
2. paying back same mortgage co after c/o kept paying never knowing of charge off until we ran credit report. 
3. Real issue here is how unfair it is that mortgage co can report it as co then show every month as being late when i am in fact paying them every month as agreement. This kills my payment history. My payment history was reporting 100 % up to the point i started disputing a couple of things. i assume this is legal reporting however it is double kick XXXX. I understand as long as i have a balance they can show i missed the monthly payment??? but my agreed upon payments go unreported!!!! 

4. During tough time i also owed state of Ga XXXX that i called and told them to keep my return which it took 2 years of returns to satisfy the debt. I found out after credit report i had a tax lien on property i did not even own ( irrelevant ). i paid the debt in full. The federal IRS has a fair act forgiveness program that will allow you get it removed from you credit report however states do not. I have written all XXXX credit bureaus requesting removal and only XXXX removed. XXXX and Equifax basically said go pound sand. If they have ever removed one for any other person just by a written request then this is unjust and unfair. I am attaching a paid in full letter. i worked very hard and paid off all old debt in hope of improving my score. I got it to XXXX and then without changing a single thing filed a few disputes then got punched in the gut by it dropping over XXXX points. inflating your credit score due to buying their advertised products is unfair but i am forced to do it. you are welcome to check my past and current credit history and you will find perfection for 15 or the last 16 yrs and atonement for that 1 yr however due to unfair practices i look like a bum.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: SLM CORPORATION
State: MT
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 filed a previous dispute because all of my student loans with Sallie Mae are paid off. They removed all but one of the student loans. I have notified them and also the credit reporting agencies and Sallie Mae still won't remove the balance and report the loan as paid.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, XXXX, my home was foreclosed on. The first month of delinquency was XXXX XXXX for the XXXX and XXXX mortgages. The derogatory information remained on my credit reports for 7 years from that date of first delinquency and fell off XX/XX/XXXX. Last month XX/XX/XXXX, XXXX XXXX XXXX re-inserted the XXXX mortgage on my Equifax and XXXX credit reports with new inaccurate information. I disputed this inaccurate information with Equifax and XXXX on XXXX/XXXX/XXXX. I also sent XXXX XXXX XXXX a certified letter with return receipt demanding validation. I still have not received any supporting data for this debt but Equifax has already closed the dispute stating that the account has been verified. Equifax allowed the creditor to re-age the last activity for XX/XX/XXXX. The home was foreclosed on in XX/XX/XXXX, so it is impossible for any activity to have occurred after that date. I sent in all of the supporting data showing that the re-insertion was an old debt from a foreclosure from XX/XX/XXXX and they have ignored my requests to delete. Equifax has failed to remain bias and properly investigate my dispute. I sent in a third dispute letter on XXXX/XXXX/XXXX certified with return receipt, with a copy of the foreclosure documents. I feel very helpless in this matter and that the acts of XXXX XXXX XXXX and Equifax are unethical and violating my rights to fair credit reporting. The derogatory information remained on my credit report for the 7 year length that the law allows and XXXX XXXX XXXX and Equifax should not be allowed to continue to penalize me for this old debt. I am asking for your help with justice in this matter. I have enclosed all supporting documentation for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX rep told me my request was approved that on XXXX XXXX would have no late payments on my report with any of the credit company 's I asked them 2-3 times if he was sure and he assured me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was refused credit due to incorrect credit reporting practices from XXXX reporting agencies. I have had a running misinformation problem with XXXX, Equifax, and XXXX credit reporting agencies for years. I have been aa victim of fraud as reported to all three agencies in the past, as far backas XX/XX/XXXX. As of XXXX agencies are still putting out misinformation. 
Please help me put a stop to what is being reported. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold account back in XXXX 2016 with a promotional offer of XXXX XXXX if I meet certain requirements. I met all requirements in XXXX 2016 and emailed Citi to confirm my eligibility and that I have met all requirements. A Citi representative replied to confirm everything and said I would receive XXXX XXXX in XXXX 2016. In early XXXX 2016, I called Citi again to ask where the miles were. They opened an investigation to verify my eligibility and promised to have an answer in 5 business days. I made XXXX additional calls to Citi after that in XXXX 2016 to follow up since I still have n't received the miles or a decision from Citi. I was told that they were still researching the issue and would let me know soon. During this time, I 've been charged XXXX monthly service fee already. I got so tired of this and I did n't know why they still needed to verify something that was already confirmed by them in the past. I do n't know much longer it would take, so I 'd much appreciate your assistance regarding this matter.

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 monetary relief
Consumer complaint received 2022-11-18
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
Multiple accounts were opened in my name with Navy Federal Credit Union, including : a checking, savings, and a credit card. But I personally did not open these accounts and have no offiliations to Navy Federal. My identity was stolen. I have already reported fraud to the company Navy Federal on XX/XX/2022. Since then, whomever opened these accounts has charged up a credit card bill of {$1800.00}, is not paying the monthly payment, and now my XXXX XXXX has been effected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-02
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
XXXX XXXX of XXXX, Florida forced me into getting a XXXX XXXX. I went into the dealership only to look around. I salesman asked me if I see something that I like. I said no i 'm just looking around. He ask if I wanted to see if I qualify I agreed. I make it very clear I do n't want a vehicle only to see if I qualify. I did n't bring money, or anything else. So after he seen my mom and aunt leave the dealership, he approved me for a loan. My mom and aunt went to the store by the dealership, and was coming back to get me. The manager, and the salesman forced me to get the XXXX knowing I did n't qualify. My credit score is low, plus I work part-time. I stated that I did n't want a vehicle or loan. They knew I told them I was n't purchasing one. After they said that I said I did n't want it for XXXX minutes straight. They said the bank gave me the car and that I ca n't leave the dealership without the car that they picked out. I felt harassed, and forced to get something I did n't want. The manager said if I did n't take it he was sending it to my house. For one I was violated, two I did n't know what was going on, or what scam the had going on at the time like I do now. The took advantage of my grandmother she said she would co-sign if her son was present. He was not present she was forced also to sign the manager told the salesman to drive to her house to so she could sign. My grandmother does n't remember signing anything, she has early dementia. It was late it was time for me to take my XXXX medicine l was very confused at the time they back me in a corner basically and threatened me. I received a letter from the XXXX corporate office stating that we did n't qualify. I have been trying to call the dealership in XXXX, Florida. The manager XXXX has been rude, also general manager XXXX. I have been trying to stay in contact with bank so we can be released off of the loan. I received a letter from Santander Consumer USA, stating we did n't qualify. The president of the bank said he 's waiting on XXXX to respond it 's been a month they still have n't heard from XXXX XXXX. The manager at the dealership is still trying to qualify me for other auto loans without my permission. We are tired of this nightmare. The bank is in on the scam with the dealership. They forged our information and rolled back to the odometer. The bank knows everything that 's going on and they are lying about it. The dealership is stealing our information for us to keep the car when they know they messed up so now they trying everything they can to make me keep the car. I want something done about this, they have taken advantage of a lot of people that came through there the bank to they have a bad reputation the bank just had to pay a lot of people back because of fraud. I been gave the car back XXXX days later

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: EQUIFAX, INC.
State: FL
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 reviewed a copy of my Equifax Credit Report on XX/XX/XXXX and I noticed unauthorized inquiries still remain and have been made by the following companies : XXXX XX/XX/XXXX - XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX | CBNA XX/XX/XXXX - PO Box XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX | XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX | XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX | XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX | XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX | XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX | XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I contacted the above mentioned creditors and asked them to remove their credit inquiry from my credit profile on several occasions however, all of the inquires have not been removed. Im request that you remove these inquiries on my credit report and send me an updated copy of my credit report. I'd like the credit bureau to please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation if the above credit inquiries are not removed. 
Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I saw XXXX on my credit for an apartment. I never had an account nor have I ever lived in that apartment. I disputed it with Equifax and sent a copy of my FTC FRAUD AFFIDAVIT. I am a victim of identity theft. Equifax sent me the results that did not mention XXXX. EQUIFAX is continuing to report this fraudulent account on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been reviewing my credit report closely because I am looking into buying a house. 
But the statement of " Serious delinquency '' continues to come up on my report. 
I have not had any Serious delinquencies in over 10 years, Why is it still on my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I accidently forgot to transfer the money I was saving for rent out of my savings and into my checking. For this I was charged an overdraft fee. Today, I see the check is bounced and the fee was refunded. However, now I have another {$35.00} for the bounced check even though the representative on the phone told me the check would by deposited again in XXXX business days at which point it will not bounce because I have made the transfer. The bank refuses to reverse the {$35.00} fee despite my financial distress because of activity on my account that occurred XXXX-months ago. I have been in financial trouble for some time and have paid plenty of fees but in this case, the fee is the only reason why my account will be over drafted {$20.00} in XXXX business days when the check is deposited again.

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