BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-14
Company: N.A.R., Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hello, Upon review of my credit file with XXXX and XXXX I noticed XXXX collection accounts from N.A.R. ( North American Recovery ). I had no idea who this company was or the money stated I owe. I filed A dispute with XXXX and XXXX for validation. I also sent A Certified letter directly to N.A.R. requesting validation/verification of debt. In return N.A.R. sent me a statement from their own company not from the original creditor. I have no knowledge of any account with XXXX XXXX XXXX ( original creditor ). XXXX and XXXX returned with their investigation stating these account have been validated and the accounts belong to me? Again I sent another Certified letter with my full communication of this matter requesting proof of this account from the original creditor and/or where this account supposedly came from, It was returned to me unopened stating " return to sender '', " unable to forward ''. I verified the address on the envelope with N.A.R. 's listed address and it is correct. I am unable to proceed with this investigation and XXXX and XXXX are refusing A re investigation stating account has been previously investigated and verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: DISCOVER BANK
State: NM
Product: Credit card
Issue: Other

Complaint:
Most recent credit report that I reviewed revealed a derogatory account that was never previously reported. The disputed account is a Discover Account that was opened by my Ex-Wife after we were divorced. I also have a Discover Account with similar terms that is in my name only and opened about the same time frame about 10 years ago. For all of the time since these XXXX separate accounts were established, only my own individual account appeared on my credit report which I have paid on time, every time - only after her account went bad did they attach her account to my report. I was never listed as an authorized signer on her account. About a month ago, Discover sent me a new card and oddly enough they included a card in her name which should have alerted me to their under handed attempt to join both of our accounts retroactively. It was only after I saw my updated credit report, when I notices that they suddenly added her bad account to my credit, that it dawned on me that they were attempting to link XXXX of our accounts - purely as a punitive action against her for her apparent default on her own separate account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am unable to get my credit report or Score from Equifax and have had trouble with this for over a year. I have filed a complaint with you guys months ago and nothing ever happened. XXXX is trying to pre-approve me for the home of my dreams and I am getting turned down because they ca n't obtain my Equifax report. This happen to me this summer when i contacted you guys because I got turned down for a boat I wanted but they too could not pull my Equifax. I sent you guys some of the XXXX emails I have sent to Equifax and I ca n't get anyone at Equifax to help me, my last complaint number was XXXX. I have not been able to have any creditor to be able to obtain my Equifax for over a year now. I am sick of my credit report being held XXXX, I have read I can sue them for each time they do not release my info which has now been dozens. That could cost them a lot of money. Do I need to hire a lawyer and sue them for this for I am about to lose the home i have been looking for for 2 years. I am pre-approved with experian with a XXXX and XXXX with a XXXX, all they need is my Equifax which should be even higher. All I want is my credit file fixed but I am not waiting much longer before I just file a lawsuit. I ca n't take this anymore and they are definitely in the wrong! Please tell me if you can help or I should hire the lawyer I have been talking with?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am unable to answer the identity validation questions because they do not pertain to any past credit accounts I have ever owned or opened in my name. I was unable to answer the security questions in order to see an on-line credit report for Equifax. Due to non-existent accounts asked about my identity questions. I was able to answer and view my credit reports for XXXX and XXXX with no issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-12
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX suit us twice by XXXX different collection agencies on the same alleged debt that had been paid in full several years before. We were served the XXXX suit ( the subject of this complaint ) in XXXX 2015. It was dismissed. Six weeks later, we were served another suit by a different collection agency ( see complaints # XXXX against the XXXX collection agency and # XXXX against XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
i applied for a car loan and was denied for a report from equifax.i tried using the website but it was unable to deliver the file online so it wanted to transfer me to an agent which instead promptly hung up i tried this auto system 3 times and all were terminated by its auto service.no where does not give you an option for a real person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
After I had filed bankruptcy because I was in so much debt, I had financial and stability issues. I had got XXXX and was very high risk and ended up having my child early on XX/XX/2022. I lost my job due to this as well. I am unable to get unemployment and my account is now closed due to non-payment. Ive called to try to work out a settlement but I am having very hard financial issues. I am unable to get a job because of the XXXX issues and as well as transportation issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: EQUIFAX, INC.
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I got a call from a man with an XXXX accent claiming to be from Equifax Mortgage. He wanted to speak with my wife to verify personal information. He wanted Social Security numbers, bank account information, and other personal information. He claimed he would set up a conference call with my bank, which mean he would hear all of my bank login information via the conference call. The caller ID read ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Address information - Current is XXXX XXXX XXXX, XXXX XXXX XXXX. 
My informaiton has been mixed with my brother 's information. The following information needs be removed and placed under SSN XXXX instead : Personal Information - XXXX XXXX XXXX,, XXXX XXXX XXXXAccount information-XXXXAccount # XXXX XXXXAccount # XXXXAccount # XXXX XXXX XXXX XXXX XXXXAccount # XXXXAccount # XXXXAccount # XXXXAccount # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Additinally the following info is also inaccurate : Former Address2 - XXXX XXXX, XXXX, XXXX belong to XXXX XXXX XXXX ( USPS ' mistake for not able to tell the difference between " XXXX '' and " XXXX '' ) Former Address3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX belong to XXXX XXXX XXXX ( my brother )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed a chapter XXXX dismissed bankruptcy with equifax. The investigation came back as verified. I received a letter from the court explaining that they DO NOT report to credit bureaus and therefore must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have sent information pertaining to XXXX XXXX being removed from my credit report because it was included in my bankruptcy. I sent this information to all XXXX credit reporting agencies. XXXX and XXXX have sense removed it. Equifax on the other hand has not. I have sent Equifax the information 3 times and it has now been a year maybe a little over. The account has been sent to a collections agency called XXXX. I talked to them and they said they will not remove it out of collections because judgement was before I filed bankruptcy. XXXX XXXX received bankruptcy and forwarded it to XXXX XXXX and they still will not take it off my credit report. Now they are saying that I owe more money because I never paid. Why would I pay when it is part of my bankruptcy. 
Why is it that XXXX credit reporting agencies have removed it yet Equifax refuses to do the same?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My student loans are on duplicated on my credit report. They appear twice on all my credit reports. This effects my credit because I have several loans and the are entered twice. can we fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I applied online at annual credit report for my free report for all XXXX agencies. I was denied and later XXXX and XXXX sent me a letter in the mail. XXXX provided me with a reference number to enter on their site and I was able to view and print the report. XXXX provided a form to fill out and mail off to along with proof of residency verification. Equifax has n't sent me a letter and it 's almost been a month now. I 've contact customer service and they tried to charge me a fee, which I repeatedly told them no. They told me to go online to Annual or call them and I told them that I already did. The rep help me reset my username and password on their site, and once I was able to login successfully, there was n't a report to available for view.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX BANK XXXX on or about XX/XX/XXXX on EQUIFAX credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX BANK XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have asked EQUIFAX TO PLEASE COMPLY WITH THE FEDERAL LAW AND SEND ME THE ORIGINAL SIGNED DOCUMENTS PER THE FCRA SECTION 609 THEY HAVE YET TO COMPLY PLEASE SEND ME THE COPIES

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX told me that a credit check would n't show up on my credit report. They lied to me, I complained to Equifax, and they refuse to remove it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Account status is a critical information upon which lender may rely to assess credit worthiness. Equifax should make sure that account status information, including any additional extraneous information they add to the credit report, is accurate. This is not the case. Instead of simply correcting the status of the loan as requested, Equifax added inaccurate information. 

On XXXX/XXXX/16, Equifax reported XXXX XXXX / Account No. XXXX status as 'Pay as agreed. ' On XXXX/XXXX/16 and XXXX/XXXX/16, the consumer and the lending company ( XXXX XXXX ) reported to Equifax that XXXX XXXX had been sold to XXXX XXXX XXXX As of XXXX 2016, Consumer had no open student loan with XXXX XXXX XXXX ( see fax from XXXX dated XXXX/XXXX/2016 ). On XXXX XXXX, 2016, Equifax changed the status of Account No. XXXX XXXX XXXX XXXX XXXX to 'transfer/sold. ' This is correct but Equifax also added : 'ADDITIONAL INFORMATION - consumer disputes this account information ... '' This extraneous statement is inaccurate. We disputed the previous account information ( i.e. Equifax 's failure to report the loan as closed and transferred ), not the current status ( closed ). We did not dispute the current status of the loan. Equifax must correct the credit report, i.e. remove reference to a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: Atlanticus Services Corporation
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX is the latest in a series of companies who 've apparently " bought '' very Action Card accounts. I 've told them repeatedly I 've not had an Action card since XX/XX/XXXX, which I paid off both ; I 've noted there was nothing about Action Card in my credit records when I bought a house XX/XX/XXXX ; I 've demanded they send some sort of proof that I owe them anything, which they have not done ; I 've asked them to stop the daily calls at all times of the day, at home and work. XXXX XXXX XXXX is the current company hassling me - their latest " offer '' says the " current owner '' of the alleged debt is XXXX XXXX XXXX. I want these people stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I get so many inquiries who was not required by me and I really need to get removed from all XXXX credits bureaus this inquiries is hurting my credit score and my ability to applied for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: Southwest Credit Systems, L.P.
State: NH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
SOUTHWEST CREDIT SYSTEMS Address : XXXX XXXX XXXX # XXXX XXXX, TX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX Address Identification Number : XXXX Status : Collection account. {$180.00} past due as of XXXX XXXX. 
Status Details : This account is scheduled to continue on record until XXXX XXXX. 


Date Opened : XXXX Reported Since : XXXX Date of Status : XXXX Last Reported : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$180.00} High Balance : NA Recent Balance : {$180.00} as of XXXX Recent Payment : {$0.00} ( Someone fraudulentlyopened up an account ) and my address for the last 2years XXXX, XXXX Nh XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-24
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Southwest Credit Systems is reporting a collection account on my credit report that was previously assigned to XXXX XXXX and was deleted. Then, I get an alert on my credit report that SWC reported this account with an open date of XX/XX/XXXX. How is that possible? Now it says this account wo n't be deleted from my credit report until XX/XX/XXXX, which means they extended the statute of limitations and should not be allowed. They are in clear violation of the Fair Credit Reporting Act. I even tried to file a complaint against them with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
We are trying to dispute items on my credit report that are involved in my son 's bankruptcy, filed on XXXX. In order to file a dispute, they require you to provide copies of your driver 's license, social security card, current bank statement and utility statement, plus another form of ID such as your birth certificate. They require all of this information to be sent through the mail, which opens up a very large door for identity theft. I do not believe it is safe to send all of these items through the mail and have never been required to submit more than two, whether physically or electronically. I refuse to put myself at risk, while understanding the need for verification. We ask for an alternative, or acceptance of two forms of identification, in order to have these disputed items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This complaint is addressed to Equifax Credit Reporting Agency. Resolution deletion of collection account # XXXX per ( XXXX ) XXXX. 
Per response with the CFPB, case number : XXXX, dated XX/XX/2016, XXXX claims they have submitted a " request for deletion '' to ALL credit reporting agencies and requested permission up to 45 days for the agencies to process their request. ( Validation Letter attached ). Not ever receiving a credit report, Equifax denied online access for full report. Through an online free credit site, XXXX, report states XXXX as ( Collections ), updated XX/XX/2016. As to date, it has not been deleted. Equifax is the last of XXXX agencies to adhere to request by XXXX. 
If said request is not honored within the timeline requested by XXXX, I will proceed legal actions per the Fair Credit Reporting Act, 15 U.S.C. s 1681. Thank you for your cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has been notified multiple times by phone, fax and website via the dispute link of account ( s ) that are appearing on my credit report due to fraud. They have been provided law enforcement reports ( ie., police reports, FTC , etc. ), dispute letters and other supporting documentation to prove my identity. They have constantly failed to resolve the matter and furthermore investigate. The account ( s ) being disputed as fraud are : XXXX XXXX XXXX XXXX Acct # XXXX ; XXXX XXXX Acct # XXXX ; XXXX Acct # XXXX, supporting documentation to support my claim has been provided to them. They state that " the information means nothing, if the creditor does n't respond they ca n't do anything. '' Time after time, I have disputed the account ( s ) and all the times, I receive a notice the following day stating " update, account remains. '' They are doing nothing to investigate nor help the consumer at all, that is my right as a consumer and their job as a data furnisher and/or credit bureau to investigate and rectify the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is reporting XXXX XXXX as an open delinquent account. This account should be closed and current. This account was paid off 5 years ago. Also Equifax is reporting XXXX XXXX as open past due. This account is also paid off. I have attached a copy of XXXX report that shows XXXX XXXX as closed current and Equifax report showing open delinquent. Please have Equifax to update their information on these XXXX accounts to report correctly. It is sad that this company ca n't seem to report anything right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had a home equity line of credit with Bank of America that is still showing as open after XXXX and a half years since my last payment. it then went to charge off status, but still shows as open. It should fall off my credit profile in the next couple of months. I have disputed this info with XXXX and B of A several times and they keep pointing the finger at eachother

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief