BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Point of Contact is XXXX XXXX with Equifax. Her email is XXXXXXXXXXXX. I have the issue of XXXX and Georgia power reporting on my credit file. XXXX companies never received the dispute notification even though Equifax claims to have placed my request for a dispute. However, XXXX XXXX with XXXX said even though they did not receive the dispute he will manually delete the item from Equifax and he gave me an XXXX number of XXXX. Yes, the item according to Equifax will not be removed because Equifax claims it to be verified in which RPM states they never received any dispute and never confirmed this account with Equifax. XXXX account is the result of Identity theft and I have on numerous occasion notified Equifax. Equifax claims this account is verified from the last dispute completed XXXX XXXX, XXXX under confirmation number XXXX. However, when I call XXXX they too claim they never received any notices of disputes and further stated that the last time they reported this account was back years ago in XXXX which matched the credit file. However, Equifax will not remove this item even after thirty days has gone by. 

Furthermore, there are several accounts on my credit file that are the result of identity theft which include : XXXX XXXX with account number XXXX ; XXXX CU with account XXXX XXXX and XXXX with account XXXX. 

In addition, I requested a consumer statement be added to my credit report with Equifax that reads : " I have notified Equifax on numerous occasions of accounts reporting on my credit file as a result of Identity theft with no resolve. Equifax has chosen not to block these items from my credit file with no specific explanation as to why and with no written communication. Further, several accounts on my credit file such as XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are the result of Identity theft and I have not received any goods or services from these companies. The identity theft is believed to have occurred during the XXXX XXXX patient data compromise and the XXXX compromise in which my personal identifiers while serving in the XXXX are believe to have been compromised ''. 

With the above consumer statement, I do not want assistance from Equifax in modifying or editing the statement or any other assistance, I just want them to add my statement exactly how I wrote it. I want the statement from my words only. Equifax claims they will modify this statement against my wishes. 

The disputes under confirmation number XXXX were not processed properly in accordance with the FCRA and therefore these items under this dispute with completion date XXXX/XXXX/XXXX should be deleted. 

I have requested the method of dispute in writing for the dispute under confirmation number XXXX, however, Equifax will not send me information pertaining to the method of dispute used even though I have the right to know under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have made Equifax aware that my Identity was Stolen. I have also gave them my Drivers license and Social so they could verify my information since i put on a fraud alert. Over a year ago in 2015 I had disputed student loans that are on my account. The Creditors verified that they had improperly put student loans on my account and agreed to remove them since the account did n't belong to me. The Creditor sold the account to another party after they made Equifax aware that they did in fact damaged my credit with reporting improper information. This creditor still however was allowed to have this account reported on my credit report. It 's really affecting my life. Being a mother of XXXX the last thing I want is someone else to be able to damage my credit. I 've been XXXX because of this. This creditor has XXXX different accounts on my credit report. Equifax has allowed this company to fraudulently keep reporting incorrect information on my credit report. It 's damaging me. They are aware that I am homeless and trying to purchase a home for my kids. I ca n't do that with someone else robbing my family of that. I need Equifax to take this matter serious. How can they know that XXXX student loan was fraud which the company told them that and allow them to keep reporting incorrect information on my credit report. All of any information that was related to that account should 've been removed. By law they ca n't legally keep reporting fraudulent information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My recent credit report have disputes I created through Equifax in regard to XXXX derogatory marks listed in collections that are on my report. This information is inaccurate and suddenly appeared on my report with no knowledge. The accounts in my report that are considered to be in collections do not belong to me and or are payed off. I believe the negative information on my report is untrue and I want these derogatory marks removed from my report. I 'm unable to apply for loans, credit cards, etc because other businesses that pull my credit report are seeing a score displayed to them that is incorrect.

Company response to consumer: Closed
Consumer complaint received 2015-12-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have lived in our home for over 10 years. We survived through the barrage of foreclosures in our neighborhood. 2yrs ago we applied for a modification loan with our lender HSBC. While we were going through the process, we had XXXX - XXXX different loan officers. It took forever for us to receive the modification packet. Once we received the paperwork, we immediately signed, had notarized, and mailed back in. About 6 months ago we were notified by our Bankruptcy attorney ( paying on a Chapter XXXX ), that HSBC submitted {$30000.00} in back payments, late fees, interest, and legal charges. When I contacted them, they stated that we were actually never approved for the initial modification loan. This was a new loan officer. I asked how we had been paying the modification amount for 2yrs, without any contact via phone or mail, as they had all of our current contact info. To this day he still has n't answered that question. Now they are offering us another modification loan, including the extra {$30000.00}, making our mortgage payment more than it was when we XXXX got our fixed rate. We 're being punished due to someone on their end dropping the ball on our XXXX modification loan. Our modification amount went from {$1000.00} to {$1600.00} a month. Our home is only worth {$160000.00}, but now we owe {$220000.00} after we have been paying mortgage for over 11yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have requested Equifax to correct the information on my correct report and nothing has happened. I have requested " VALIDATION '' AND NOT " VERIFICTION '' of this account, which has not been provided. Here is the account : # XXXX XXXX They always say they verified information and do not ... Please have documentation supporting this debt! Also, please provide, who you spoke with, date, time, phone number and documents shared. Other wise by law, please removed this negative information of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed wrong account information with experian, they have responded with unless you send us more information we would not investigate. On my behalf, I have send out release of judgement from spring leaf and I have specifically write on my dispute letter that such judgement is over 8 years old and according to experian spring leaf is still verify. I have disputed recent balances on accounts that have been closed and but financial institutions have close down for business but experian is still reporting it as verify. another accounts that are reaged but accounts sold to a third party are still been verify. Moreover, I have ask Experian for debt validation on collections accounts and they have fail to provide me with such 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 2015-11-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX 2015 I discovered errors on my Equifax credit report that listed inquiries dated XXXX/XXXX/2015 that were not mine. I contacted the retailers in question and filed the first of XXXX disputes with Equifax. XXXX of the fraudulent inquiries is labeled as XXXX. After multiple written inquiries to XXXX Bank, as well as multiple telephone conversations and promises by XXXX Account XXXX Department, the fraudulent inquiry still remains on my Equiifax credit file. 
Also reference Equifax dispute confirmations # XXXX dated XXXX/XXXX/2015 and # XXXX dated XXXX/XXXX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Equifax on several occasions to inform them that several accounts does n't belong to me thatsreporting on my credit report and to remove these accounts and all negative remarks from my Equifax credit report, but they have refused to do so. I disputed these items via online and mail with Equifax and they refused to remove several accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian is not only stating that they will not investigate specific accounts anymore ( which Congress states is a violation of section 1681 as I am providing specific details in regards to the accounts that I am disputing ), but they are also required to have the docs associated with the accounts in their files PRIOR to even reporting them pursuant to section 609 and those docs are to be made available to me. I requested those docs last month and only received " results '' stating that # 1 these accounts are verified and accurate and # 2 that they will not investigate certain accounts anymore. 

If you see XXXX V XXXX 1997, you will see that Congress states that once I notify the bureaus that I believe their information to be inaccurate, they must not only reinvestigate but must also go beyond the original source of information. They did not even conduct an investigation, as I contacted each company and was told that they were not even reached for verification and that the information in my credit report is IN FACT INCORRECT. So where are they getting their information from? 

I 'm including my current dispute letter as well as the XXXX previous dispute letters which clearly state my disputes. I have also forwarded these letters to my attorney.

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 2016-10-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I would like this charge removed from my credit reports because it has been changed over from XXXX to XXXX to XXXX XXXX XXXX. This is hurting my credit report as I am trying to purchase a home. 

I am currently paying the same account with XXXX XXXX XXXX. I would like to have XXXX XXXX / XXXX removed from my credit reports from XXXX, Experian, XXXX and XXXX. 
I would like to have XXXX removed from all reporting agencies : Experian, XXXX, XXXX and XXXX. 
I would like to have Home At Five removed from all reporting agencies ; Experian, XXXX, XXXX and 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 2016-10-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Experian several times before concerning the issue of removing items that do NOT belong to me. I have taken matters into my own hands and hired an attorney to pursue a lawsuit against your company if these issues are not removed immediately. I have a police report that identifies the accounts and inquiries in question and have the evidence of certified letters sent to both the creditors and your company. In the event you decide to remove the accounts and inquiries, we will not move forward with the case.

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 2022-04-22
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
NWIDE RECVRY ( Original Creditor : XXXX XXXX XXXX ), balance is {$100.00}, and account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
NWIDE RECVRY ( Original Creditor : XXXX XXXX XXXX ), balance is {$1500.00}, and account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I NEED EXPERIAN TO REMOVE ALL DISPUTES AND DISPUTE COMMENTS FROM MY CREDIT PROFILE. I AM TRYING TO GET A HOME LOAN AND I CAN NOT GET IT UNTIL ALL DISPUTES AND DISPUTE COMMENTS ARE COMPLETELY REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Thank you for submitting the requested documentation to verify information on your account. We are not able to complete our review at this point and further action is required of you. IMPORTANT : Your account will be closed on the previously communicated due date if you are unable to provide the requested, corrected documentation. 

While we received the documentation, certain aspects were either incomplete, illegible, or invalid. Below are common errors that can occur during the documentation submission process : Line 3 : Please review to ensure your current address has been accurately entered.

Line 4 : If you filed a tax return in the last 2 years with a different address than what is entered on Line 3, please fill in the previous address shown on that tax return. Otherwise, please leave this field blank. 


If you have any questions or require a new 4506-C form to be sent, please contact Discover Customer Protection Services at XXXX, or call the number on the back of your card. 

We appreciate your prompt attention and cooperation. 


Sincerely, Discover Financial Services. 

THIS IS A RESPONSE I JUST RECEIVED FROM DISCOVER AGAIN. 
THREATENING TO CLOSE MY ACCOUNT. 

I FILLED OUT THE FORM. 

I HAVE BEEN ON XXXX SINCE XX/XX/2010 AND BECAUSE OF THAT HAVE NOT FILED TAXES SINCE I BELIEVE 2010 WHEN I GOT APOROVED FOR XXXX. 

I FILLED OUT THE FORM AND DISCOVER EMAILED ME THE ABOVE RESPONSE. 

PLEASE HELP ME RESOLVE THIS I HAVE SUBMITTED MORE THAN ENOUGH DOCUMENTATION TO PROVE MY IDENTITY. 

BUT IT SEEMS LIKE DISCOVER IS HELLBENT ON CLOSING MY ACCOUNT. MAKE STATEMENTS THAT SEEM A RATHER PECULIAR. 

FIRST STATING I HAVE NOT FILLED OUT THE REQUESTED FORM AS THEY ASKED. 

I UPLOADED THAT TO SHOW I DID. 
NOW TAKING THE STANCE THAT ITS INELIGIBLE INCOMPLETE OR INVALID I UPLOADED MY XXXX  FROM IRS WHICH ALSO PROVES MY IDENTITY ALSO UPLOADED THE NEW EIN NUMBER BECAUSE I SWITCHED TO XXXX  I HAVE REQUESTED DISCOVER CONTACTS ME THRU THIS AGENCY. 

SO NO MORE GAMES CAN BE PLAYED OR SO STATEMENTS OF NOT BEING FILLED OUT ETC CAN ALL BE UPLOADED HERE SO THIS CAN BE RESOLVED. 

I AM ALSO UPLOADING SOCIAL SECURITY BENEFIT STATEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: SLM CORPORATION
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
When I was XXXX I was pressured by my parents to find a college and attend it. I found a college and we took out a student loan, the whole year cost me about {$20000.00} of private loans and {$9000.00} of federal loans. I did not go back my second year because my dad ( my consigner ) would not sign for another loan ... .so now can I not only attend college because I have no money, but now I have to pay back {$29000.00} of loans at only XXXX years old. I am now married and have XXXX kid and I am working part time making only {$.00} over minimum wage because I do n't have a degree to get a better job or have the money to put my son in daycare to work full time. I just do n't see an end to this money struggle and I ca n't get my loan payments lowered because of being married. i am the only one paying off my loans right now and I should n't have almost {$0.00} at the end of the month trying to help support my family and pay these astronomical student loans. My recommendation - do n't go to college unless it 's free or you KNOW you can get an amazing job to help you pay your loans right when you get out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
CFPB indicated that Case number : XXXX was a duplicate of Case # XXXX. 
Case # XXXX was submitted in XXXX. Case number : XXXX was submitted in XXXX. Now is the end of XXXX and nothing has been resolved even though I was instructed that CFPB was working on it.

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 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2015-06-04
Company: MIDCOUNTRY FINANCIAL CORP
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
A problem happened with the allotment I had set up and it stopped, so I got behind in payments. They agreed to refinance so that I could get current but for the past XXXX years all the payments I have made have gone only to the interest. And they told me today that I am XXXX dollars behind and the total balance is XXXX. The total original amount was XXXX. When I requested a copy of my loan documents they refused to send them. When I tried to access the documents through their website the site only comes up with an error message and directs you to contact Pioneer via phone or email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Experian slammed me into a credit monitoring service when I requested a copy of my credit report. Their website is confusing and it was not clear that when I requested my credit report they automatically enrolled me into the Credit Monitoring Service for a charge of $ XXXX/month. This practice is deceptive and not very honest.

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