BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX : paid in full and I was only late XX/XX/XXXX sent proof still said late for 6 other months I was not late XXXX : I had sent letter that asset acceptance agreed to remove- equifax has not removed XXXX and XXXX XXXX NOT MINE. I never opened, knew about or made a pymt to them. sent letters to creditor to dispute no response XXXX this acct was first delinquent XX/XX/XXXX so too old to be reported. It was originally under XXXX and when XXXX bought them out they changed dates/info. 
XXXX XXXX : Equifax had removed XX/XX/XXXX since I said was not mine after dispute and now on again. it is NOT MINE and I want removed. sent letters to creditor to dispute no response XXXX for XXXX- not mine and I had no knowledge. I want removed. I NEVER had XXXX. sent letters to creditor to dispute no response XXXX XXXX XXXX not mine. i never had XXXX XXXX. I have cable. I want removed.sent letters to creditor to dispute no response XXXX XXXX XXXX not mine. i never had XXXX ( again ). I want removed. sent letters to creditor to dispute no response. Thiw was reported under XXXX XXXX XXXX for XXXX and removed in dispute in XX/XX/XXXX. XXXX bought by XXXX and this creditor bought acct from XXXX XXXX looks like. 
There are many duplicate inquiries for accts that I want removed and also I did not authorize XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, or XXXX XXXX. I want removed since no permission

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed a complaint stating that the Collection Information was inaccurate in its filing. As the term agreement of the accounts : XXXX XXXX XXXX. file ID # XXXX and XXXX XXXX XXXX file ID # XXXX has been satisfied in its entirety. The credit reporting agencies are still reflecting as owing with concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 7 years. The credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted a dispute to Equifax for inquiries on my report. The response that I received was that I could contact the creditor if i believed it was in error or not authorized. Requesting them to assist me which would make it much easier than directly contacting these companies when you call these companies a lot of times the employees do not know and will refer you to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have been trying for about a year to receive my Equifax credit report and ficocredit score. I have not had any success receiving either credit report or credit score. I have not been able to receive my XXXX credit report or fico score and, my XXXX credit report or fico credit score. 
I have also had problems purchasing or receving any monitoring services for the XXXX credit bureaus. I would like to be able to monitor monthly, all XXXX credit bureaus for my credit reports. 
Thank you very much for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-20
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I called Navient to lower my student loan payment because I can not afford to pay {$450.00} a month. I tried to reason with them and ask for low income payment but they continued to deny me because my parents were co-signers. We spent 3 hours on the phone arguing and they said they would n't do anything until I was put into collections. They said my type of loan did n't qualify. The bottom line is I can not afford these payments making {$18000.00} a year. Half my income is rent and utilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I am disputing the findings of Equifax Information Services , LLC because it failed to properly and adequately investigate my claims in the dispute against XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX concerning my credit card account ending in XXXX with the bank, and did not delete the account, instead Equifax Information Services , LLC supported the bank in propagating unfair business practices by holding the Bank 's submission as accurate without fully investigating my submission. In fact, I believe that I have been as specific as possible in all discussions with XXXX XXXX Bank, unlikely the Bank that continues to manipulate the dispute process ( Attachments B, C, and E ). 
1. I am disputing the claim of XXXX XXXX Bank against me to the tune of {$550.00} as inaccurate because its permutation is erroneous, and therefore inaccurate. The calculations were based on wrong assumptions including wrong account closing dates, multiple closing dates, membership fees on a closed account and accumulating surcharges on a closed account ( attachments G, H, J, K, and M ). 
2. XXXX XXXX Bank denied me insurance protection benefits on this account in spite of the fact that I was mandated and forced to opt into the policy, and paid the premiums. Even, after admitting to this fact, XXXX XXXX Bank made no effort to adjust the account, and continued to perpetrate the inaccuracy ( attachment G, H, J, and K ). 
3. XXXX XXXX Bank denied me the opportunity to negotiate a settlement. I made oral written attempts to negotiate the debt, but XXXX XXXX Bank officials deliberate used tactics that made them inaccessible and ignored my written requests ( attachment D, F and L ). 
4. Equifax Information Services , LLC did not review any phone records or transcripts to confirm the claims of either party to the dispute but relied solely on the submission of XXXX XXXX Bank that its summary of statements were accurate, hence unfairly confirming the position of XXXX XXXX Bank against me based on inaccurate accounting ( attachment G, H ). 
5. Equifax Information Services , LLC did not examine any detailed bank statements to judge the accuracy of the content or determine how and why the figures were changing in such a dramatic fashion during such a short period of time, including who made payments or why the payment was made ( attachment C and M )? 
6. Equifax Information Services , LLC refused to respond to my request for the details of their investigation ( attachment N ). 

Therefore, my account ending XXXX with XXXX XXXX Bank should be removed from charge-off status, and deleted completely because of these inaccuracies, lapses in the investigation process, and wrong verdicts ( attachments A, C and E ). 
Note : The attachments are a compilation of documents obtained from the various credit reporting agencies approached during the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have escalated this issue to Equifax multiple times Since XXXX, XXXX and all I get is a repetitive auto response. I have sent certified mail to XXXX XXXX XXXX account XXXX requesting validation and received NONE : XXXX/XXXX/XXXX - USPS XXXX XXXX/XXXX/XXXX - USPS XXXX Following the FCRA, this account needs to be removed for failure to validate the allege debt. I 'm attaching copies of the original letters requesting validation as well as Equifax automatic responce. 

I have reached out to Equifax multiple times, and all I get is a repetitive auto response from them : XXXX/XXXX/XXXX - USPS XXXX XXXX - USPS XXXX XXXX/XXXX/XXXX - USPS XXXX I requested validation from XXXX XXXX XXXX and received none. I then disputed this with Equifax multiple times, and still have not received full validation. It is way past the 30 days from my original request of validation, and all I get back from Equifax is that they have performed their research and verified 'the balance is reported correctly ' Yet, they still do not show proof of their research showing what validation they have on this account. 

This is violating the FCRA. If validation is requested, then valid proof of this allege debt should have been handed to me, and it was n't and it is now past 30 days. 

There are XXXX apts on this complex and when I returned the apartment, there were no damages reported ; The property management at that time did a walk through with me and we both signed a piece of paper that there were no damages to the aprt. That piece of paper is valid proof that there is no damages to the apt and I have requested that piece of paper as validation for this allege debt, I have also requested pictures or any evidence that came out of this apt and again I did not received any such evidence. The apt complex changed management since then and I have had difficult time researching this allegation. I have requested for validation/proof that there is such allegations and received none, I have escalated this with Equifax and am stuck with their repetitive responses. This allege debt has caused harm to me and my credit and is building punitive damages and all I get from Equifax is a repetitive response. 

Again, I requested for validation and received none, and this is still being reported on my credit file. This is a validation of the FCRA on which I have escalated this three times with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
First off ... I send in a request to investigate the misuse of my credit file and Consumer Financial Protection Bureau sends me an email to contact you. I have contacted CFPB over XXXX times, but only got through once. I 'm not calling again. Do the research and fix the issues that I am providing you. 

Equifax has been allowing companies unauthorized by me to view my credit file. I never gave approval for anyone to look at my credit file. I have also had a fraud alert in place with Equifax and I was under the impression that Equifax would contact me if someone was trying to apply for credit with my credentials. I have not applied for credit on some of the listed account on my file. I know that it is illegal for the credit reporting companies and for creditors to look at my file without my approval. According the FCRA, I am entitled to fines up to {$1000.00} per infraction from XXXX parties. Also according to the FCRA, it is illegal, unlawful and unjust to provide my credit file without my approval. I have not seen my signature on file with any of these companies, nor have I signed anything giving them approval to view it. Equifax is to blame for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: SYNCHRONY FINANCIAL
State: CA
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:
In XXXX of 2020 Synchrony Bank closed my credit card account. One payment was returned by my bank due to an error on my part. I had left the automatic payment function set to pay off my balance in full. Due to reduced work hours because of the COVID pandemic, my cash flow was reduced. However, I still paid more the minimum due within days of realizing my mistake and I had not missed a payment before. I tried explaining this in a letter to the bank, but I have not heard back from them. I believe I am credit worthy and my account should be re-opened.

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 2016-08-31
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I settled an account with XXXX in 2015. I have disputed it 3 times with Equifax and they continue to leave the balance on the account. I have attached copies of both the check and my bank statement showing the settlement of {$810.00} last XXXX. This is a violation of my rights under federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I initiated a dispute with XXXX, Equifax , and XXXX XXXX XXXX, XXXX for the following items : XXXX XXXX and XXXX. XXXX was formerly known as XXXX XXXX. These items were scheduled to come off my credit reports a few months ago being that they are over 7 years old ( DoFD was XXXX XXXX, XXXX for XXXX ), however all three credit bureaus stated that they conducted an investigation and the items were verified. The items being verified was not the reason for my dispute, in addition I called both XXXX and XXXX to verify that an investigation was actually conducted and both company representatives stated that they did not verify nor report to the credit bureaus because the accounts are old and due to expire. All XXXX credit bureaus are reporting erroneous information in regards to when the first delinquency was reported except for XXXX, however they did not remove the old item either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have submitted serveral times proof of ongoing identity theft and the company refuses to delete inaccurate information they they calme to be verified by a third party called XXXX related to inaccurate BK information. I have submitted an ID theft report attached and information from XXXX themselves showing no such file. For more than ten years someone has been using variations of my social and committing theft. I have notified the IRS and all involved authorities and expect the CRAs to act accordingly Please have them abide by the laws set for this time of situation and block this information or delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Credit reporting company will not remove paid tax lien even though documentation states that it is " paid, satisfied, and ordered cancelled from record '' as of XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: EQUIFAX, INC.
State: MD
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 have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. I according to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Equifax XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : Balance {$640.00} Sir or Madam, I am writing in regards account XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have been applying to received my credit report from Equifax and XXXX. With Equifax I received a letter stating again I had to submit proof of my id due to they can not find me in the system. This time they sent the name as XXXX XXXX XXXX. They keep sending me letters asking for proof of id but sending it in the wrong name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: Seterus, Inc.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have asked for a history of our payments twice now so we can see what we have paid in late payments, how much we owe and when we can get our PMI dropped. Both times they have told us due to our bankruptcy judgement they can only send us XXXX type of history but not what I am requesting, yet neither time that they have said they will send us what that can have we received anything. How can I get some information about the mortgage we are paying on, some what to see what we have been paying and how those payments are being applied. They seem to be able to send us info on our escrow account, when those payments change, how come we ca n't get any info on the mortgage Itself? 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax reported the above bankruptcies on XX/XX/XXXX as reporting accurately. 
This information is inaccurate both cases have reached the statue of limitation & should bedeleted. XXXX XXXX XXXX # XXXX CHAPTER XXXX XX/XX/XXXX statue 7trs from date of filing, removal date XX/XX/XXXX, still on my report.XXXX # XXXX, CHAPTER XXXX, statue 10yrs.from the date of filing, FILED XX/XX/XXXX, it has been XXXX, should be removed by Equifax, also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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