BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had a doctor 's bill from XXXX that I was supposedly served a judgment on in XXXX but it was n't until XXXX until the judgment actually went through at the court ( I 'm probably using the wrong terminology but I hope you understand what I 'm trying to say ). The problem is, the address they supposedly served me at in XXXX I was no longer living at. I was in the middle of moving and I ca n't remember the exact date I moved from XXXX address to the other but I 'm 99.9 % sure I never received notice of this. 

Last year I pulled a copy of my credit report and noticed this and reached out to the collection agency and asked what I could do to clear this up. I was told the balance was around {$700.00} but if I paid {$500.00} they would have it removed. I paid it and a few weeks later I found out this was incorrect. I was then told by the President of the collection agency ( XXXX XXXX ) that if I paid the remaining balance it would be removed. At this time I paid {$360.00}. Once again it did n't come off but I did get a refund check from them a few weeks after this for {$150.00}. Supposedly the amount in their own system was inaccurate and they billed me the wrong amount right up until this point. 

The amount entered into the judgment is incorrect. The original balance was {$1000.00} but after making over {$400.00} in payments & two years later ( well, 4 years until it was entered at the court ) the balance was STILL {$1000.00}. The same amount to the cent. 

XXXX XXXX ( the president of Amerifinancial Sollutions ), XXXX XXXX ( the Director of Finance at XXXX XXXX XXXX ) and XXXX XXXX ( the attorney for XXXX XXXX XXXX XXXX are all in agreement that the amount ( s ) for the bill have been inconsistent and wrong since the beginning and this should be removed. XXXX XXXX has written a letter I have sent to Equifax and XXXX XXXX has written XXXX ( & I also sent this to Equifax ) and to date they have refused to remove this. I 've written to them probably XXXX times over the past year and every time they refuse to do anything about this ... even when given information from the collection agency that what they are reporting is inaccurate. 

Every single person and company associated with this bill has been trying for close to a year to have this removed and every single request has been denied by Equifax. The debt was wrong, the original creditor and collection agency are in agreement on this & here it is over a year later and Equifax is continuing to report inaccurate information and continuing to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation. 


I have complained to the CFPB numerous times and the companies claim that there is more than one person on the complaint and that they can't release information to third parties. I have furnished them my ID, pand proof of address to properly identify myself as the person making the complaint. It is clear that these are dishonest tactics the credit bureaus are using to evade that fact that they are not in compliance with the Fair Credit Reporting Act. 

I demand my request be taken seriously and that the erroneous and unverified information be removed from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed XXXX XXXX XXXX with Equifax on numerous occasions and they continuously take whatever information is provided to them with now actual review of their own records for accuracy. I called Equifax directly after the last result on XXXX/XXXX/16 and spoke with their representative to find out why nothing had changed. The representative told me all they do is take the information submitted to them and report it. I asked them to review the status which states open even though the account clearly shows paid. She stated yes, however, that 's how it was reported to them by XXXX. I asked her if she could see where this was a collection agency not a creditor, yet it 's reported under my creditor accounts. She said yes, but that again, they can only report what XXXX gives them. I asked her if she could not see they are reporting several missed payments like a creditor though it 's a collection agency and got the same response. If they actually investigated the information and linked it back to the XXXX, they would see the original creditor lists last date of payment as XX/XX/XXXX, XXXX lists it as XX/XX/XXXX. She finally told me if I had issues with it to call XXXX, which I did. XXXX 's response was they report it correctly and if there 's a problem, it 's due to how the CA is reporting it and to send in my receipt of payment to the CA. Neither will take ownership of this problem, nor correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit report says that I am diseased and I can not access my credit report.This happened at XX/XX/20

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 2016-08-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax is reporting a balance on an account that i 'm an authorized user on. I 've sent XXXX letters and there are some collections that ar n't mine. The balance has been paid in full. What should I do. They refuse to update this and it 's affecting my score. Also I submitted an investigation request on XXXX medical collections from Indiana. I was in texas during that period

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: NY
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I HAVE DISPUTED WITH 3 BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, US SM BUS ADMIN ODA XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES AND 3 BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The Credit Reporting Agencies are reporting a Chapter XXXX bankruptcy discharge, identified by " case number '' : XXXX, on their own conduct and behavior. I did not give the Credit Reporting Agencies any Prior Direct Consent to communicate this information on my private credit file. Further, Bankruptcy Courts does not report or attempt to report Items on a consumers private credit file. These actions are solely being done by the Credit Reporting Agencies and/or their Agents. 

The reporting of this information is also obscene and profane which lead to the natural consequence being abusive to me the consumer before and after reading and hearing this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the collection agency, and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
on XX/XX/2016 Equifax deleted accounts and inquires listed below and did n't notify me about adding them back on XX/XX/2016. 
1. XXXX account number XXXX Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Tried repeatedly to obtain Free Annual Credit Report ... only option offered by Equifax is to request report by mail. This option required a great deal of documentation which is onerous to generate. This is the second consecutive year that Equifax has been unable to provide the Free Annual Credit Report, and they have provided no detailed reason why that is the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
State: AZ
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:
I've tried to get my credit report you guys keep mixing up me and my fathers information we have the same name

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have two separate issues. 
1- I have been paying for 6 years and my balance has in some cases gone up. The interest accumulated exhorbutantly while still in school. I do not see how these will ever be paid. 
2- I am in a rate reduction program, for 15 months, and every month they mis-allocate he payments and I get calls and letters telling me I am delinquent, sometimes by a few cents. I call every month and it takes an hour to clear up. Also, last month, they " double dipped '' and took two payments. I consider this incompetence and harassment. It is horribly stressful, and no amount of " working with them '' is helpful. 

The loans, XXXX for XXXX daughters, are with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Lender did n't notify that insurance had been canceled and the Insurance company was sending notices to them.

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 2015-05-02
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Hello, XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) is reporting the reporting the dates of an old debt as a current debt. My original debt was opened XXXX/XXXX/XXXX ( confirmed in their Account Summary Report ), however XXXX is reporting the date they acquired the debt XXXX/XXXX/XXXX ). I would like this information updated on my XXXX credit reports to the correct dates. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
The XXXX XXXX XXXX XXXX is showing 4 late payments on my credit report. These payments were not late, but connected to an old account. The payments would go out and come back after the 30 day period. We've had several loans when XXXX and the issue appeared to be that the incorrect accounts were listed on payment so they would come back and we had to resubmit. I didn't realize they were filing them late as the XXXX rep with tell me that everything was fine and I assumed that meant these payments weren't reporting incorrectly as late. 
I contacted them and they did not know how to fix.

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 2015-05-22
Company: Reverse Mortgage Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
It took XXXX months for the RM to go thru due to the Lender misinformation I had to notar sign documents XXXX I had to call my city planner because they then told me my townhouse did n't qualify. I spent hours on the phone myself doing their job That was wrong I own and paid for totally my home, the appraiser was XXXX hours late did n't take the pictures properly so I had to do that also. I recently had my daughter & granddaughter move in and need help so I asked for money from a line of credit which has XXXX XXXX and was told NO, I then ask for monthly payments and was told NO. This is insane to me I am not vacationing I am trying to take care of my family in this desperate economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced our mortgage with JP Morgan Chase Bank in late 2015 to try and take advantage of lower interest rates and lower our monthly payment amount. Chase was the holder of our mortgage at the time, so we believed that refinancing through them would expedite the process and hopefully prevent any miscues. 

Throughout the refinancing process, we repeatedly asked to ensure the repayment terms we received were accurate and would not change over time ( When we originally purchased our house, our mortgage payment through Chase changed dramatically within one year of purchase because our escrow account was overdrawn. Four years later, we made clear that we did not want history to repeat itself ). We worked first with the mortgage broker and then his supervisor ( at our request ) to ensure that the final mortgage payment amount they provided us was accurate. They had our existing mortgage paperwork and account details to work from -- and could clearly see what taxes we had to pay. We questioned it at every turn and explicitly inquired about the accuracy of their escrow estimate. The XXXX individuals who we worked with assured us that their final dollar amount for our monthly mortgage payment was accurate. As a result of refinancing, our monthly payment amount dropped from about $ XXXX/month to about $ XXXX/month. After nine months of making on-time payments, Chase informed us that our escrow funds were insufficient and that we now owed {$4100.00} to make up the difference ( payment due in about 40 days ). Chase also informed us that our monthly payments going forward would be $ XXXX/month if we did n't immediately pay this difference and {$1100.00} a month if we did. We would have never refinanced at these monthly payment amounts, which are not significantly different than our original monthly mortgage bill. At this point, we have potentially increased our monthly payment amount, extended the number of years we have left on our mortgage and are out the money we paid for the refinancing process. The worst part of this is that we were very clear with the Chase employees who we dealt with throughout the refinancing process that we did not want our monthly payment amount to change one year after signing their paperwork and that we were concerned that they were not estimating our escrow account payments correctly. They repeatedly ( and, we feel, very deceitfully ) assured us that all of their itemized calculations were correct. We would never finance a mortgage or refinance a mortgage through Chase again and warn anyone against doing so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: MS
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$6600.00}, XXXX XXXX Balance : {$8100.00}, XXXX  XXXX XXXX  XXXX Balance : {$25000.00}, XXXX XXXX Balance : {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I had loans that went into repayment at XXXX different times. When the XXXX loan went into repayment, the monthly payment was way more than I could afford. I wanted to apply for the income based repayment plan. The representative from Navient said that she would put my loans on forbearance for 2 months until the results came back from the income based repayment plan. She did n't help me at all and my loans were in forbearance for a year!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: MS
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. These items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation