BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I recently again submitted a inquiry dispute with equifax stating that most of the inquires i did n't authorize and I want them to reinvestagate due to several alerts from my XXXX that my information is being sold on a XXXX market website. Well on XX/XX/2016 I was sent back XXXX reinvestigation results stating that the inquires were of factual record of file access and if I believe it was unauthorized to contact the creditors which I have done once again I was told by a majority of the creditors in order to dispute the inquires I would have to redispute them with equifax and equifax would send information to the creditor to start a dispute. I recently contacted equifax XXXX Thursday, XX/XX/2016 and spoke with a representative ID # XXXX and she explained to me that equifax does not dispute inquires even tho equifax website says it does and allows consumers to dispute. EQUIFAX has been misleading with this information therefore I would like to have this consumer reporting company investigated due to false and misleading information and allowing incorrect information to be put on a consumers report without acknowledgement and authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a judgment on my credit report that was dismissed. It should not be showing up. Attached is a copy of the documentation direct from the XXXX County Clerk of the Courts Office. 
I have written a few times but the credit bureau will not remove it. Please help, I am unable to get a mortgage approved because they will not fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have tried to dispute several items in my report but Equifax tells me that the information that I give them is incorrect and I ca n't proceed with the dispute. I have previoulsy disputed XXXX other item which they accepted ( but have n't finished their investigation ), and used the same informaton that I used for the accepted dispute. Additionally, they dropped my credit score XXXX POINTS without giving me a reason. Nothing had changed on my report for the last three years. XXXX XXXX has the same information and their score is XXXX points higher!!! Could it be that Equifax is making me pay for the dispute I put in and they accepted????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been disputing incorrect information on equifax credit report. I have submitted letters and proof that these XXXX accounts showing as potentially negative should be showing as satisfactory. I keep getting letters from equifax that I have to be specific with my concerns and providing account names and nature of dispute. Equifax is just disregarding my dispute as I have sent them numerous times letters I received from the creditors stating the accounts should be showing as satisfactory Paid and paying as agreed. Equifax is reporting incorrect information which is affecting my score and obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Had XXXX XXXX XXXX for approximately 15 years and sold my residence. When I called and cancelled my service the representative asked where I was moving to that they would like for me to continue to be their customer since I had been with them for such a long period of time. I informed them that where I was moving that there was no service for XXXX XXXX in that area, they went as far as having an engineer do testing to see if there was any possible way to get me XXXX XXXX service. This was approximately XXXX of 2014, the engineer called me back and stated that I was correct in stating that XXXX XXXX did not service this area and advised me that when I go to turn my equipment in make sure I get a receipt as XXXX XXXX is notorious for not checking in equipment and turning it in to collections. On or about XXXX 2014 I delivered my equipment back to XXXX XXXX and low and behold they said that their system was down and was unable to check the equipment in so I told them to give me a receipt for my equipment, which they did. Approximately 6 months later I get a bill from XXXX XXXX for the equipment, so I called and sent in the receipt showing them when I turned it in they said no problem we will get this taken care of. 6 months later got another bill for the same thing spoke to XXXX different people and they stated we will take care of this. So I ran my credit a couple of months ago and now there is a collection item on my credit report that someone from XXXX was suppose to take care, called and said no problem we will take care of this. So I have waited a couple of months and re ran it and it is still on my credit. It is very sad that the cost of telecommunications is outrageous and you pay it religiously every month and when service is stopped for whatever reason you just become a number and if your credit takes a hit because of their poor customer service so be it as they seem to owe you a thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was recently noticed by Seterus, my mortgage servicer, that I owed late fees for late payments for XXXX 2015, XXXX 2015 and XXXX 2015. I have records from the USPS showing the tracking data including the date delivered and signed for by an official of Seterus. On one occasion, the XXXX 2015 delivery was delayed by the USPS for an unknown reason. The payment was mailed 3 days prior to the due date. The payment was mailed through USPS using a 2-day priority mail postage. It was delayed by 4 days with no explanation. I called Seterus and was told by their customer service department that the only way I could dispute a late fee was to write to them and mail it. I had previous taken care of similar issues over the phone but now they are telling me this can only be disputed by mail. 
The due date for my mortgage payment is the XXXX of the month. The 15 day grace period allows to the XXXX of the month. As per the attachments, the payments for XXXX and XXXX 2015 were received and signed for on the XXXX of the respective months. The XXXX payment was mailed on the same date as usual but it was delayed by the USPS which is shown in the tracking information. It was supposed to be a 2-day priority mail delivery with signature verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Transunion dropped my CREDIT SCORE BY XXXX POINTS because of an increase of {$440.00} in XXXX credit card. Even though all of the credit cards combined had a net decrease in usage. 

Additionally, XXXX made no similar change in my score. 

XXXX XXXX XXXX are too arbitrary in their analysis of credit information. Particularly, how substantial payments lowering account balances have little if any impact on raising a score, but a less than {$500.00} expenditure can drop a score by XXXX points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: NIC, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I paid the original creditor directly for an old utility company debt. Nemo 's collections did not remove their negative entry on my XXXX report but rather updated the status to paid as if I had paid them. On XX/XX/XXXX I sent Nemo 's collections a letter via certified mail letting them know that I had contacted the original creditor and made payment directly to them. As of XX/XX/XXXX Nemo 's is still reporting this debt as being paid to them which is false and a violation of the FDCPA. This needs to be removed immediately as it is severely damaging my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
EquifaxXXXX XXXX. Is reporting the same accounts multipleTimes. XXXX of the accounts on my report have been reported XXXX times by XXXX XXXX XXXX XXXX on my report giving me bad payment history and derogatory remarks multiple times for the same accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After I filed the dispute, Equifax took steps to resolve the issue and did so in timely manner. But XXXX and XXXX are still showing the account on my credit report. How long does it typically take for the other agencies to get updated?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was in a XXXX accident. I had multiple bills from XXXX Hospital, one of them being XXXX. It was then sent to a debt collector because it was not paid on time. I was working on a settlement with XXXX XXXX at the time. It finally got settled and closed out, however, it is still on my credit score and making it lower. I need it removed from my credit score as soon as possible because I am trying to get a loan for a new car. I ca n't get a loan from my current bank for a car because it is showing delinquent bills on my credit report. That is not true. They have been paid and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have submitted a dispute and the issue was resolved then later placed back on my credit report incorrectly. They also are reporting old debts that are past the 7 year limitation. That have been purchased by a collection agency. But original dates have been changed making it look like current debt. Equifax has done this multiple times cause my credit score to suffer

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Paypal wo n't let me withdraw my money. The options they give me to " verify my account '' are all broken. I do n't see why they are able to accept my deposits, but then prevent me from withdrawing my money. 

I made withdrawals from my paypal account to my paypal prepaid card in {$300.00} batches since that was the most I could do per day. This option is clearly/encouraged by the paypal prepaid card as a valid way to fund my prepaid card, that is, direct transfer from my paypal account into my paypal prepaid account. 

All I want is to access my account to get access to my money. Paypal has been holding my {$500.00} hostage since XXXX/XXXX/15 and I am very upset about that.

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 2016-08-02
Company: Seterus, Inc.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
As the Executor of my deceased husbands ' estate, since XXXX XXXX I have requested a deed-in-lieu to close out the estate. I have provided all of the documents within my possession to the mortgage company. Around XXXX thru XXXX, I was informed there is a lien on the property from XXXX. However, during that same time period, I was informed everything was okay but case had not been assigned to anyone for resolution. In XXXX or XXXX XXXX I was informed the lien from XXXX is preventing the deed-in-lieu process from proceeding and I have to provide documentation the lien has been resolved. When my husband purchased the property XXXX XXXX, XXXX he had a clean title. The clean title should have been submitted to the new mortgage company from the old mortgage company when the loan was purchased. The mortgage is in my husbands ' name only, but the property is titled in both our names.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: Seterus, Inc.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, XXXX I received a letter giving me a trial modification with Seterus. The trial went from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I paid all the trial payments on time and did n't receive a modification. I have n't received anything in writing to inform me of the status of my loan. 
After the XXXX XXXX was made I called asking about converting the trial modification over to a permanent modification I was told it was n't completed. I was verbal directed to continue paying the modification amount until I heard from Seterus. 
I am on emergency mortgage assistance program under CT Housing Finance Authority. I pay a portion of my mortgage to CHFA and they pay Seterus my whole mortgage payment. Toward the end of the trial I found out CHFA was paying the whole amount of my mortgage not the modification amount. When CHFA called Seterus wanting the difference back between the mortgage amount & the modification amount they were told the difference went to my principal balance. I was told my trial mod was n't hurt due to the higher payment being made. 
When I called XXXX XXXX, XXXX I was verbally told I was n't getting the mod because my account was n't behind, it was now up to date. I upheld my side of the agreement - Seterus failed to upheld their side of the agreement. Seterus has not converted my mortgage to a permanent modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America did not only open XXXX but XXXX checking account in mine and my mother 's name after XXXX of them they already closed for fraudulent activity I believe they 're stupid

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-01
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My complaint pertains to a discrepancy between the Equifax score reported to me and the Equifax score reported to my mortgage lender. The lender received a score almost XXXX points lower than the one I got. The same credit concerns were identified on XXXX reports, and they were produced within days of XXXX another, so there was nothing to explain why the scores were different. The effect of this is that I do not qualify for the lowest mortgage rate on a house I am purchasing. On an Equifax blog I found a string of complaints from other customers who have encountered the same problem XXXX This tells me I am not alone, but is little solace because it only suggests that the problem is pervasive and ongoing. The crux of the problem is that the score I received from Equifax is essentially meaningless -- not a true guide to how prospective lenders will view my credit. I sent a complaint to Equifax and they provided an explanation -- that lenders in different industries may use different scoring models. This does not address my concern, but merely illustrates it : what Equifax tells me about my credit is not what they tell lenders. The fact that I had paid for access to the full report only rubs salt in the wound. I have requested a refund from Equifax of the {$7.00} that I paid on XXXX/XXXX/2016. My purpose here, however, is to raise a broader concern about the uselessness of credit scores received by consumers, at least from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The newest transaction history dated XXXX/XXXX/16 shows on XX/XX/XXXX : XXXX certified mail costs and XXXX property inspection fees, and a late charge for {$290.00}, but does n't show an increase in the Suspense Fund balance. These fees and charges were supposed to be credited back to me because of a mistake Ocwen had made. 
I received a billing statement dated XXXX/XXXX/16, which seeks to charge me {$340.00} for fees and charges all over again and another dated XXXX/XXXX/16, which seeks to charge me {$350.00} for fees and charges all over again while at the same time using the refund I was supposed to receive from the credit of those same charges to pay for itself in the form of Suspense Funds in the amount of {$2100.00}, which as stated in the letter from XXXX XXXX from Ocwen 's Office of the Consumer Ombudsman dated XXXX/XXXX/16, my Suspense balance being {$1800.00}, the application of reversing the funds posted to late charges ( {$280.00} ) and expenses ( {$59.00} ) to the Suspense account will provide a balance of {$2100.00}. So why is the Suspense balance {$2100.00} on XX/XX/XXXX, but on XX/XX/XXXX when the batch of XXXX fee transactions appear, it is {$0.00}. Also, according to transaction history provided by Ocwen, my Suspense Fund balance was never {$1800.00}, as XXXX XXXX states in her XX/XX/XXXX letter. It was {$2100.00} on XX/XX/XXXX and prior to that, on XX/XX/XXXX was {$3300.00}. Additionally, the description of the transaction states Late Charge Waived, but the transaction functions to re-charge the amounts rather than refund them. I am essentially being double-charged for something that should not have been charged in the first place. 
Attachment XXXX & XXXX : copies of the transaction history dated XX/XX/XXXX. 
Attachment XXXX : copy of the statement dated XX/XX/XXXX. 
Attachment XXXX : copy of the statement dated XX/XX/XXXX. 
Attachment XXXX & XXXX : copies of letter from XXXX XXXX. 
Attachment XXXX : copy of the transaction history from XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received an alert from my credit monitoring service that I had an account placed in collections, which I knew was inaccurate because I have no accounts which are delinquent. I contacted the collection agency about the alleged debt, and they refused to advise who the original creditor was, so I sent them a dispute of debt validity via certified mail. After that, I disputed the information with one of the other credit bureaus, which, after reviewing the information, agreed to remove it and promptly did so within XXXX hours of my contacting them. 

Equifax, however, has refused to remove this information, despite the fact that after repeated contact with the collection agency, I discovered who the alleged original creditor was, and they even confirmed that this alleged debt ( from XXXX and a XXXX years ago ) did not exist and that they did in fact NOT send it to collections. 

This information needs to be removed immediately and I have disputed it twice now with Equifax to no avail, despite the other CRAs acknowledging this information is indeed erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Contacted XXXX ( XXXX XXXX XXXX ) and they state they " can not locate a customer with the above referenced name, address or account number in our system ''. If they have no record of me owing them a debt why is it on my credit? How do I get it removed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I submitted a dispute on a collection account on XXXX/XXXX/2016 to Equifax. To date, the dispute has n't been resolved. There have been no updates, verifications, or deletion made to the account. Currently, when I log in to Equifax with my confirmation number the investigation still shows as pending. I contacted Equifax on XXXX/XXXX/2016 to ask why the investigation had not been completed, and why the account had not been removed. They replied with a generic response stating that I should call during business hours. I emailed again today, XXXX/XXXX/2016 to make sure that my inquiry would be reopened. I have not yet received a response. During the 30 day investigation period I was not notified by Equifax that they needed additional time to complete the investigation. I have just been waiting. I would like the account removed. I have attached a screenshot of the status of my dispute, comfirmation # XXXX. It was submitted XXXX/XXXX/16 and is still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX XXXX, 2015 I paid off the XXXX XXXX XXXX, account. I received a letter on XXXX XXXX, 2015 that the account had been resolved. However XXXX is still reporting it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I believe I am a victim of identity theft. Every year that I try to get my free annual credit report it tells me that my data does n't match even though I have been using the same social security number all of my life. Its also keeping me from getting a past XXXX from one of my jobs.

Company response to consumer: Closed with explanation