BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: WI
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:
XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX asked to certify using metro 2 not done asked the company to certify using metro 2 and they did not do it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I went to the hospital with XXXX and they XXXX when I return home property management had had maintenance remove my front door because nobody answered it my family had paid the rent in full had been in contact with management so they knew I was in the hospital but they so rudely removed my door when rent was paid in full in a high-crime neighborhood XXXX I stay one night with my sister and became homeless because of this my rent was always paid in full on XX/XX/XXXX as I had Section XXXX housing Choice vouchers get paid a percentage of my rent as well as getting regular inspections of my unit the only remarks were the carpet was worn and it needed painting I had lived there 10 years without so much as even an air filter for my air conditioning I have requested on numerous occasions where I was promised they would bring one right down but it never came also Management on several instances tried to accuse me of not paying the rent but I had taken pictures of my money order receipts this was quickly explained that somebody was stealing from the night drop box when all along manager of property was XXXX. Now I had my grandmother 's antiques that had been appraised all family photos jewelry Electronics clothing everything was gone or damaged so badly it could not be used this is ludicrous if they would even say I owe them money when they are responsible for the door missing the apartments for shortly after condemned and leveled no one ever lived in that apartment after me and the apartment was never repaired this is XXXX XXXX attempt to balance their questionable bookkeeping habits I believe so in conclusion I just want this removed from my report so that I can get into a quality XXXX thank you for your time and consideration. God Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called XXXX Bank of America on XX/XX/2020 at XXXX XXXX at XXXX in reference to 4 late payments reported on my credit. This created ticket # XXXX. 

I paid off final balance and closed my XXXX card in XX/XX/2020. I was told by call taker that it looked like a bunch of {$1.00} charges were coming in on the card after it was closed, based on original balance before closure and then added interest due to no balance after account was closed. 

He said the system automatically kept reporting to this to credit bureau and in total reported 4 late payments to my credit report. When I found out about this, I immediately paid the total of the four {$1.00} charges and added late fees that were established, totaling approximately {$30.00}. I found out about this from my mortgage lender who told me about the late payments showing up on my credit report. I was never notified or called about these charges and given the opportunity to pay the fees. The call taker said he would submit form to XXXX Bank of America as well as to the credit Bureau to remove the 4 late payments. He said the bank would call me and send letter by XX/XX/2020. He said I would hear back from the credit card company within 5-7 business and I should see my credit history updated by XX/XX/XXXX or XX/XX/XXXX depending on when it updates. 

I never received a phone call or letter from the credit card company. After not seeing my credit report updated, I called the credit card company on XX/XX/2020 at XXXX XXXX. I received the return call at XXXX XXXX and waited on hold for 16 min. while caller was trying to look up issue, then the line disconnected. I called back at XXXX, the automation would not acknowledge me pressing 1 to be put on the call back list. I called back at XXXX XXXX, I received call back and lady said she didnt see anything on my account, except that it was closed. She transferred me to claims, I was then told my claim was rejected stating they did not see any errors. The caller said there was no further action I could take. I explained again I was unaware of the charges and would have happily paid {$1.00} charge if I knew any of this was going on. He said their practice was to send out letters but said there was nothing on record that confirmed any notices were sent to me and I told him I was never notified of any of these charges. Once I found out from my mortgage lender, I paid them immediately. I now have four late payments on my credit history, which drastically affected my credit score. I would like this removed from credit report as I had no knowledge this had even happened after I paid in full and closed account. 

Thank you for your time.

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 2015-05-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed this banruptcy XXXX times as a dismissed bankruptcy, and equifax keeps stating they have verified it as a discharged backruptcy which is inaccurate, and only this credit bureau shows it as a discharged bankruptcy which means they are not verifying this information as they should with the courthouse or whatever method is being used.This bankruptcy was never fully completed, it was only filed and never discharge, it was dismissed.So this record has been inaccurate and i do not believe equifax is actually verifying this information, this will be easy to prove.There should be no reason for other reporting agency to obtain the accurate information while equifax cant? This info continues to be reported incorrectly and now should be removed because of the failure to properly report it, since it has been proven that no investigations actually have been taking place, as required.This item should be deleted immediately on that basis, otherwise report that the Fair Credit Report Act is being disregarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
case number XXXX. 
Equifax has not sent me full details on its investigation including copies of all of the source documents including the person who did the verification with their telephone numbers. I also need copies of the contracts or applications for XXXX XXXX XXXX XXXX XXXX i am still missing information on the credit reporting. where is a copy of the source information. it has been well over 30 days. 
CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have submitted these requests for corrections to my credit report multiple times now and have yet to see any change. I have even spoken with the creditors collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed incorrect judgement information on my credit report twice and submitted paperwork showing that those XXXX judgements are NOT money judgements. They have them listed as if they are money judgements. I spoke to customer service as well and submitted paper work and when through a dispute twice already. I spoke to the court myself and they said those are reported incorrectly and a money judgement was never obtained from the creditor. I never had a money judgement at all. Those were possession judgements. The other XXXX credit reporting agencies took them off immediately but Equifax wo n't even listen. You can see there was no money judgement if you look on number XXXX on both pages. it 's checked and clearly shows there was never a money judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax has information that is formatted incorrectly, the date on the Bankruptcy is incorrect. My credit report shows a date filed date of : Date Filed : XXXX/XXXX/XXXX Which I believe it is causing the information to stay on my credit report longer then it is required. Please refer to page XXXX on the attached document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-19
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This is the XXXX time that I have contacted XXXX in regards to inaccurate negative information on my credit report. The information being reported is erroneous. First of all XXXX XXXX XXXX is not the original creditor. SLU care is and I sent a letter to XXXX as well as the other XXXX credit bureaus which have removed this information from my report. However XXXX is refusing to do so with documentation presented by the creditor. I have been dealing with this issue since XXXX to no avail. the following information is their response to the dispute after being presented with a letter from the creditor that indicated a 100 % financial assistance for XXXX yr and a XXXX balance on my account with them XXXX XXXX XXXX XXXX : XXXX ... Outcome : Updated Dispute Status XXXX credit report prepared forFAILS, XXXX XXXX report number XXXX date : XXXX XXXX, 2015 Credit Report Toolkit : Credit EducationThis link opens a new browser windowKnow your rightsThis link opens a new browser windowListed below are the current disputes we have received from you. 

Results Due : XXXX Method : XXXX XXXX Items XXXX Number : XXXX ... Outcome : UpdatedPlease note that certain items may not display until later because they required additional processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I respectfully request full investigation and based on the information I have provided I request the Midland Credit Management , Inc. / Midland Funding LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. Midland Credit Management Inc. needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sale, Affidavit from original creditor verifying the Bill of Sale, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12
Company: Security National Automotive Acceptance
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
As you probably know, XXXX is not a good choice when it comes to getting a loan or settling issues with these guys. Recently my car was repossessed due to inaccurate information given as well as deceitful tactics to get payments out of me. recently I just came back from XXXX and my finances were were not in order. So im basically playing catch up. I spoke to rep. in XXXX regarding my payments as I was 4 months behind. I told the rep I could pay 2 months which totaled out to be XXXX. She then said I qualified for a deferment program since a years worth of payments on time and my account would be current.. needless to say I never saw those deferment documents after calling and asking about it nobody seem to know anything. So with that being said My car was charged off and repossessed because of non payment. I wen tot an organization that was willing to pay the amount owed to get my car out of repossession status. The rep I spoke with was fully aware of what we discussed I repeated the terms over and over and she agreed and told if I paid that amount my car would be released to me. So the company called to get the car she had no recollection of what I was talking about so that 's twice in a matter of months either their incompetent or full of scams. Ive read one too many stories about this company.

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 2016-06-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
ITS SHOWS INFORMATION IN DIFFERENT CREDIT REPORTS THAT THE ACCOUNTS ARE CONSIDERED " INCLUDED WITH MY BANKRUPTCY '' DISPUTE ALTHOUGH IN OTHERS REPORTS ARE CONSIDERED AS " CHARGE OFF ''. I DO BELIEVE THAT THIS CHARGE OFF ACCOUNTS SHOULD HAVE BEEN INCLUDED WITH MY BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XX/XX/XXXX I wrote a response to a letter from XXXX XXXX, which asked if I wanted to dispute information regarding a credit card that was originally issued by XXXX XXXX via XXXX. XXXX XXXX did not respond to the original letter. I therefore was able to get in contact with the dispute department and spoke to a representative of XXXX XXXX named XXXX, her information is contained in the attached documents. Although I stated in my letter that I did not have information from XXXX regarding this particular payment, she kept insisting that I contact them for a copy of a cancelled check, even though this had already been done and they were unable to provide this information. At this point she said that without this information she could not determine whether or not the account had been paid. I then asked her why are you reporting this as an accurate reflection of the account when you can not determine if the account was paid nor can you determine whether the account was unpaid, but yet there is a payment reported as received on XX/XX/XXXX? I also asked why the account was sold with an amount being owed as {$780.00} but XXXX XXXX is reporting a charged off amount of {$540.00}? 

I closed the account because of the way payments were being credited to my account and credit protection insurance had been added even though I had not requested it. I was able to find information sent to XXXX XXXX XXXX requesting that the account be closed and that the payment be accepted as final. This information included a copy of the check and the credit card cut in half. I also included copies of credit reports showing the payment being credited on XX/XX/XXXX, because I was unable to provide a cancelled check or a bank copy of the check that was written to close the account. The XXXX checking account had not been active since XX/XX/XXXX. Additionally, XXXX XXXX has called several times, even after being told in writing not to, and each time I request copies of the statements from XX/XX/XXXX through XX/XX/XXXX, but they have never been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Upon calling Navient for help when my loans went into default on two separate occasions, the most recent being about three weeks ago, I was only eligible to perform a forbearance. I had mentioned to Navient the first time I was behind payments that the school I was attending should have submitted my paperwork, and they later confirmed but would not postpone the payments due or offer lower payments ; instead they said my best bet was a forbearance. 

This past month I called them to notify I was again XXXX in school XXXX, and they said the school 's responsibility and mine is to submit the paperwork. I then asked if I could have my payments revised since I had multiple health bills impact me previously before becoming re-enrolled into school full time. They said that I was only eligible for a forbearance and not to worry about it, my payments would just go up a bit, but I would n't have to pay for 3 months. Not once was I educated on the impact it would have on my credit, nor the amount it would actually increase my TOTAL loan amounts versus the monthly payment " slightly '' rising. My credit was negatively impacted as a result because of this and I have had this loan and made multiple payments but now owe more than I initially borrowed. The lack of information, options offered, and seemingly sales-like push of the forbearance on multiple occasions is the reason I am reporting a student loan complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
At the beginning of this year, I saw a promotion offered by  Wells Fargo . They suggested if I go bank with them, namely by opening a checking account and complete some requirements, I would get a bonus of {$250.00}. Please see attached "   XXXX   XXXX   ''. I thought it was good deal and applied for it right away.   Then I got an email fro m Wells Fargo  on  XXXX   XXXX , saying my app was received. This email, did contain a phrase saying the bonus was attached. Please see attached " app received.jpg ''.  One d ay later, I got an another email that required me to go t o one of  their branch to provide more information. On  XXXX   XXXX , I went t o one of the ir branch to complete the application process and the account was opened successfully.   According to the offer term, I had to complete either  one qualified direct deposit or 10  debit card transactions within 60 days of account open date. The bonus would be paid within 45 days after that. I have completed thei r 10 d ebit card transactions requirement by  XXXX   XXXX .  Wells Fargo  did n't honor this bonus after 45 days. I tried to contact their customer service and go to branch. Customer service rep suggested I should go to branch for further assistance. But the banker in branch told me I should call for customer service instead. Basically it is a dead end if I want to get help from  Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-16
Company: CORELOGIC INC
State: IN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
CREDCO FAILED TO FURNISH MY XXXX CREDIT REPORTS AS REQUESTED ON XX/XX/2012.

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 2017-10-12
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I ran into an issue with Navient a number of times over the years. I wish back then when I initially got the loans that I was educated on what the loans entailed, interest rates, re-payment plans, forbearance etc. As a young college student, I was not aware that my interest rates were variable - up to 10 % on one loan, and I would be harassed up to 15 calls per day to make payments if I could afford it or not. I went through a full scale of my bills and current salary and now they want pay stubs from me and my co signer. They told me what my disposable income was, it was XXXX to be exact. Do they understand through a full month where the rest of that can do to survive? They do n't, they just want their money. Because I was unemployed briefly I am trying to get a second job just to pay other bills as well. I feel the loans were predatory to the uneducated - there was little care about educating the masses taking out private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I got a copy of my credit report and there are things that just are n't accurate on it. I am greatly concerned because I am a good paying person and do n't want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. Incorrect Name XXXX XXXX Why is my name not showing correctly? You are provide incorrect information on my file. Please update ASAP with the ID provided. XXXX XXXX XXXX XXXX/XXXX/2015 I would like to see a signed agreement to confirm my signature as I do not remember authorizing this inquiry. Tax Lien XXXX Verify and corroborate the information filed in the status, date filed and plaintiff. It seems incorrect and it could be harming my credit worthiness, please correct this or else have it removed from my report XXXX XXXX XXXX XXXX/XXXX/2015 This inquiry must be an error as I do not recall applying to this company. UNKNOWN XXXX I can not agree with the information you are filing in the status, payment status, account number, high balance and the terms of this account. Corroborate this, correct it and/or delete immediately. 
I thank you so much for taking the time to help me fix this all up as the commercials said you would be helpful in fixing this kind of stuff.

Company response to consumer: Closed with explanation