BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-31
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX I opened a mortgage with XXXX XXXX XXXX in the amount of {$320000.00}. Due to issues I had no control over, we had to let the house go into foreclosure. Our last payment was on XX/XX/XXXX the Trustee Sale was on XX/XX/XXXX per the XXXX County Recorders office. XXXX is falsely reporting to all XXXX credit bureau 's wrong information and I have been trying to have them fix this for the past several weeks and still has not been resolved. First, they are reporting to all XXXX credit bureau 's that this account is still open and as of XX/XX/XXXX I am XXXX days past due. Second, there is a discrepancy in the account number that all XXXX credit bureau 's have and what XXXX has. I am at the mercy of XXXX to fix this and it seems that the individuals that are in charge of reporting true and accurate information are incompetent. I am currently trying to refinance my current house to a lower interest rate which would save me approximately {$75000.00} in interest. Because of XXXX 's inability to report correct information I am not able to proceed with my refi. I have uploaded all the documents that I have received from XXXX to all XXXX credit bureau 's to have them correct these issues but they will not due so.

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

Complaint:
Purchased a computer through XXXX. This purchase was financed by applying for the XXXX store card. It was approved at {$2200.00}. Computer cost was only {$1600.00}. XXXX ( XXXX ) days later, MyFICO reported a 100 % account balance increase. Received the shipment from the XXXX seller approximatly XXXX days later. Have not received the necessary information to setup payment account ( online ) from issuing company ( XXXX XXXX ). Contacted XXXX XXXX ( issuer of credit terms ), and they could not help without having an account number. XXXX does not provide this information ( good security, but, negatively impacts credit terms ). When contacting XXXX XXXX, automated voice line stated that there was a balance of {$1500.00}, with {$600.00} of credit to use. This is not reflective of what was reported to Equifax ( per FICO 's complaint process to Equifax ). This is a violation of the FCRA. XXXX XXXX has not been fair or equitable in reporting. They state that I have an additional {$600.00} in credit terms, but have reported that I have maxed-out a new credit card to financial bureaus. I have contacted XXXX via phone and chat, and they ca n't provide an answer as to when I can start paying off what is perceived to be maxed-out terms. At this point, I 'm going in circles. It 's a joke, and, it 's a scam and flat-out fraud between XXXX companies with investors.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The following information is in my credit report file. This account was not in my name nor opened by me. 
Item : XXXX Bank XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX Account No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
My XXXX XXXX XXXX account is reported as delinquent and seriously delinquent XXXX, the contract was signed XXXX XXXX 2014 and the first payment of {$85.00} bi-weekly was due XXXX/XXXX/2014. On XXXX XXXX 2014 I made a payment of {$320.00} which equals 2 months of payments. On XXXX/XXXX/2014, 10 days later, I made a payment of {$340.00} which equals another 2 months in advance. Although I provided a copy of my payment history from XXXX XXXX XXXX, Equifax continues to provide potential creditors with erroneous information. In addition, I have been denied credit because of this intentional reporting of wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
When i had started XXXX for my XXXX degree XXXX in 2013, XXXX had told me i owed them money and in order to start classes i had to pay XXXX so i was told i can apply for a loan through Genesis Lending i was told i would not have to pay any loans from Genesis until i XXXX a couple of months later i started to get calls from Genesis on regarding paying my loans and told me i was given false information on paying the loans off. After the first loan XXXX had told me i owed them more money and the first loan was accidentally taken for only {$1700.00} and i owed XXXX over {$2500.00}. XXXX had taken out another loan through Genesis so i can continue my classes and i was told if i do n't pull a XXXX loan i will dropped from my classes. i was given false information about paying the loans and i was given false information on how much the loan amount was.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
To whom it may concern : I am writing to dispute errors on my credit report that show some of my accounts as past due, in collections and charged off/missing payments. I have attached payment records of all debts referred to in the chart below, which I provided for my background check. These errors are hurting me from attaining clearance for a government job, as it seems I am not paying my debts, especially my government student loans, which is not the case. If these errors could be corrected/updated it would be very helpful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: COLLECTION BUREAU INCORPORATED
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I received a letter from a debt collector about a debt that I had previous reported and have been reporting identity theft on. I sent the copy of the police report, statements, and evidence of my identity theft every six months sin
ce XX/XX/XXXX. 
This debt was with another debt collection agency and it has been sold to Collection Bureau INC after I began reporting identity theft, the latest  time XX/XX/XXXX, on this debt. 
This debt has been recycled and it is a result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Academy Mortgage Corporation
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hello, I need to submit a formal complaint against Academy Mortgage, XXXX XXXX XXXX, CO XXXX for making a credit inquiry without consent and without my knowledge. In XX/XX/XXXX I made an appointment to discuss the possibility of buying a home. They ran my credit at this time and then did not follow up with me about what my pre-qualification was. After 2 months of waiting for a response, I contacted the loan officers an let them know we where very unhappy with them but ultimately still needed our pre-qualification information so I could proceed with home buying. At this time, I explicitly noted I did not want my credit to be ran with them again and that if there was a laps in qualification time I wanted to go to another company. They apologized, said that they absolutely were not going to make another credit inquiry and that they did n't have to until XX/XX/XXXX and could still get our qualification. They went unresponsive again. I was alerted by XXXX today that they made another inquiry into my credit, and my mothers, and this was done without consent and acknowledgment. 

I have emails between Academy Mortgage and stating that we did not approve them to do this and would like to report the branch and the loan officers involved and hopefully get this inquiry removed from our reports. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: WELLS FARGO & COMPANY
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Today, XXXX/XXXX/2015, I took out a bank certified check to payoff my car loan to Wells Fargo in the amount of {$27000.00}, in which the payoff amount is good until XXXX/XXXX/2015. I took that check to my nearest Wells Fargo branch along with the payoff statement from Wells Fargo. The branch said that I could not pay off my loan there and that I would have to either send a wire or mail the check to California. To process a wire normally costs {$30.00}. Sending the check via USPS certified mail costs about {$7.00}, not including the time it takes fir the check to be delivered to the west coast from the east coast, which will probably result in interest being accrued for another entire week, thus costing another {$30.00} unnecessarily. 

Due to the bank 's refusal to take a payment today, I am requesting that the accrued interest is dated back to today, XXXX/XXXX/2015, upon receipt of the bank certified check in California, and the certified mail fee of {$6.00} be refunded to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-07
Company: Genesis Lending
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended XXXX XXXX located XXXX XXXX, NJ. I took out a Federal Loan and a private loan. Money was demanded while I was attending school. The financial aid rep told me during the application process if I needed to make payment changes it 's simple and can be done. That was not the case. Neither XXXX XXXX nor Genesis Lending would help me. So I defaulted on my loan because I was n't able to pay the monthly amount, but I would send what I could. Not only that I did not get assistance in finding employment in the field I trained in. I received many annoying calls from XXXX XXXX fishing for information as far as what job am I working at and I can always go back to the school for assistance. I would tell the rep that I 'm not working in the field because you need 3yrs+ experience and I went back to my XXXX background temping until a permanent position came along. The rep stopped calling me as frequent because she was happy I had a job, but it was not in the field I trained. Every once in awhile I would receive a call because she wanted information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
INQUIRES WERE FRAUDULENTLY PLACED ON MY CREDIT REPORT BY EQUIFAX WHICH ARE PREVENTING ME FROM OBTAINING CREDIT BELOW ARE THE INQUIRIES : - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX cable charged my account with incorrect charges for products I did not order and removed some of the billing information from my account but did not remove all of the charges and continued to charge me late fees for said billing errors resulting in incorrect balances due. Customer Service was not at all helpful in resolving the dispute nor providing confirmation that balances. I closed the account, returned the equipment and the closing bill was not accurate because it reflected charges from the previous incorrect billing that was not resolved. I have years of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Receivables Performance Management, LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After several phone calls with XXXX, I got the appropriate amount of debt stated ( {$450.00} ) and was informed that I could make payments until it was paid of. I began making {$50.00} a month payments, after the third month I received a phone call from the debt collector about making the remainder {$300.00} in order to prevent further debt collection action. After calling XXXX, they informed me that I had only three months to pay off the full {$450.00}. I was not aware of this and in none of the multiple phone calls did anyone state that this was the case. Otherwise I would have paid the entire amount prior to the three month mark to avoid a mark on my credit. I have paid off the full amount now ( less that three months after it went into collects ) but now there remains a mark on my credit for a collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Reliable Credit Association, Inc.
State: OR
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX called my Employer - and left a message on the Department Heads voice mail saying they are calling for me XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX has incorrectly reported information to the credit bureau. I opened up a case with the CFPB between me and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX sent me written notification through the CFPB that they do not have any record of this account. I forwarded them the requested information and they still were not able to locate any account. I have attached a copy of the written correspondence from XXXX XXXX Bank concerned not being able to locate this account. This account is not mine. The case number between the CFPB and me in regards to the XXXX account is : XXXX. I give the CFPB permission to share any details about this case with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: RevSolve, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A collection of {$200.00} showed up in XXXX XXXX on my credit history for a debt issued in XXXX XXXX. The collection agency did n't make any attempt to contact me and posted the debt directly on my credit history. On XXXX/XXXX/XXXX I asked them to provide details about the debt like what is the debt about, who do I owe the money and they have not responded to my request. 
I have XXXX credit score for several years and I recently applied for student loan that got denied because of this debt.

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 2015-10-23
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The date of original delinquency is wrong on my Equifax report pertaining to a XXXX XXXX XXXX loan. The loan originated XX/XX/XXXX, my first delinquency was XX/XX/XXXX. The vehicle was repossessed and then redeemed XX/XX/XXXX. Equifax has XX/XX/XXXX as my date of first delinquency, which is IMPOSSIBLE, seeing as the car was repossessed and redeemed 7 months prior to that! 
I submitted a dispute ( # XXXX ) they said XXXX disagreedI submitted a 2nd dispute ( # XXXX ) they said XXXX disagreed again. 
I called XXXX myself and requested a statement for my account showing all the activity. They sent me a copy and sent a copy to Equifax. Equifax received my copy and XXXX 's copy, which clearly states my first date of delinquency was XX/XX/XXXX. My 3rd and 4th dispute ( # XXXX AND # XXXX ) were both rejected stating that the info that Equifax has is correct, despite the letter. 

I honestly ca n't take this anymore! I do n't know who can help me. Since my date of first delinquency on this account was more than seven years ago, this account should be removed from my credit. Everything I have read on line states that negative accounts should be removed 7 years from the date of the first delinquency. It has already been removed from my XXXX and XXXX reports months ago, which indicates to me that Equifax is WRONG! 

PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past 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 manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has not responded to my certified letter that they received on XX/XX/XXXX that states the following : RE : XXXX XXXXDear : Equifax please be advised that this letter is being sent to you and all credit bureaus. I am requesting that you remove this account from my credit report. This is not my account, I have never had an account with this company. I have been disputing this account for years. Today I called this company only to find out that this account was opened at a place in Wisconsin called XXXX XXXX bank association. I have never traveled to this place or again opened an account. I placed a fraud alert on my credit report back in XX/XX/XXXX. I also would like to inform you that I never received not XXXX bill or collection notice from this company ever. If this item is not removed from my credit report I will be contacting the XXXX, the XXXX. Office at a state level and I will also file a civil suit. You have 30 days from this notice to remove this account. 

They have not removed or responded to this letter. 
Equifax instead sent me a letter XX/XX/XXXX letting me know that they mailed my sensitive personal information to someone else and are trying to get it back. This person or people have my SSN and address, you name it they have it!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Issue: Other fee

Complaint:
I am holding a REDCard credit card XXXX Target ) issued by TD Bank. I had an automatically payment associated with my XXXX bank account. Since I moved XXXX on XXXX, I am gradually switching to use my XXXX bank account. I am plan everything carefully ahead of time. 

On XXXX XXXX, I added my XXXX bank account as the default account for automatic payment, but for some reason, their online system did not allow me to delete the old account. I think it should be fine, since it clearly showed that my new bank account is the default, which, should be used as the first priority of course. I am dealing with XXXX every day, I know the XXXXprogram should always use the default XXXX out of so many choices. 

However, shortly after XXXX 2015, I found out they actually still billed it to my old bank account ( XXXX bank XXXX, obviously they had been rejected since I had already stopped all payments from with that bank account and were going to close it soon. 

Apparently their computer system had some bugs and wo n't switch to the default account. But it is unfair to charge my XXXX $ return payment fee plus XXXX $ interest~! What make it even ridiculous is their inconsistent service. I called them on XXXX XXXX, XXXX a lady told me the return payment fee is cleared after she had a long talk with her supervisor and asked me to made the payment by phone. When I called the next day XXXX XXXX XXXX, 2015 ), none of the agents in TD bank said they could see the reversed fees and they are supposed to do reverse any such fees? I talked with XXXX of the supervisors, XXXX, who said they wo n't disclose their last name or their employ ID to people. She said she is going to find out who talked to me the previous day, but wo n't give me my money back although she said it is NOT my fault! 
Anyway, I ca n't believe TD bank or Target set up such a silly system to fool people. Even if their system did not work right, they still want to charge their customers. 

I want to ask my money back. Beside I want their apology for their stupid and irresponsible system and services.

Company response to consumer: Closed with non-monetary relief