BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I paid for a vehicle. The Lender was XXXX XXXX, in XXXX XXXX, Va. I have pulled my credit reports in the past year, and I do not see the positive feedback/report of my Vehicle Purchase. I have a letter from XXXX XXXX that my Vehicle was " Paid in Full, No Late Payments ''. I do n't understand that! That was an XXXX purchase paid for in Two Years. What can you inform me, or help me to understand all this situation, because to ME ... it was a real big deal, having paid for this new ( new to me ) Vehicle. Thank You. My credit score was Low when i bought this truck, and i see no difference for my sucessful payment in full. Also, there is a " pay or quit '' notice showing, but the lease was NOT a contract between Me and the Apartment. It was an agreement from the in which i live, and i had to experience a city employee that did NOT do her job properly, hence, I ... got the legal papers that were degrogatory, I called her to get her to " do her job '' so, she Did pay the City 's portion of this One Year Lease, but the bad marks are STILL on my credit report. ... ALSO, I went to return an antiquitated cable box that I found sitting IN a box for 9 Years. To sign in at the Cable co. they TRICKED me into giving my Social Security number, I did return the box, *trying to do the " right '' thing, YET ... the cable co. is trying to get me for an XXXX Bill XXXX that I had NO idea of ... my Ex.B.F. ordered cable w/o my knowledge, and has moved away, i have no idea where he is ... nor do i care, so ... how can they stick ME with that bill, when I did NOT even order it, nor, watch it.? Please help me with these issues, i will NEVER pay that bill, one reason being the " Principle ' of the matter ... second being ... I ... never ordered that service. Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Never ever have I had XXXX in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax sent me an email offering a reduced price for a 30 day subscription. When I tried to sign up for the subscription, the transaction was charged to my debit card, but Equifax sent me a message saying they could not complete the order. I called Equifax about the problem and the customer service representative informed me that I was trying to sign up for a 3 in 1 offer that was being offered by XXXX of the other credit bureaus. but that Equifax would not honor it any longer because I have a freeze on my account. I informed the representative that I never placed a freeze on my credit report and that the offer was from Equifax not a 3 in 1 deal with the other XXXX credit agencies. After about 5 minutes of a combative conversation with the representative I asked the rep if he would refund my money they charged. The representative informed me that Equifax had not charged my card and that he did n't know who had charged my account. 

I received an email confirming the order from Equifax and the charge on my card said Equifax along with their XXXX number. My worry is that Equifax is false advertising it 's products to consumers and not wanting to honor their specials. I asked the representative who I could talk to about the freeze on my credit report and he told me that he did n't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In reviewing my credit report I found that my account XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, MO XXXX had an incorrect " Date Opened '' of my account. This account was not opened XXXX XXXX, XXXX. This account was opened with XXXX Bank in XXXX and sold to XXXX XXXX XXXX in XXXX. This error is illegally decreasing the age of the account by more than 3 years. The attached letter dated XXXX XXXX, XXXX which notified me that my XXXX Bank card was being reissued by XXXX XXXX XXXX with a new number, proves that the account was opened prior to XXXX XXXX, XXXX. By reporting a later, incorrect date they are shortening the average age of my accounts to my detriment. I am trying to refinance my house and this error is making it more difficult. I requested that they please either report the correct date the account was opened or delete the account as required by law. Equifax has done neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In 2008 we moved out of our home in NJ, requiring the return of a cable box to XXXX. I have a receipt from when the box was returned. I tried explaining to XXXX XXXX, the collection agency retained to service this account, that I paid this amount in full but they refused to listen. I disputed according to credit bureau instructions but XXXX XXXX refuses to even investigate. This has done significant damage to my otherwise perfect credit in the past 4 years and I demand this be corrected and removed from my bureau report. I should also be compensated given their obstinacy in recognizing my case is unjustified to be in a collections status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The following information is incorrect : under PUBLIC RECORDS, it shows : Docket # XXXX - XXXX- Federal Tax lien for {$7100.00}. 
and Docket # XXXX - XXXX - Federal tax lien. 
These tax liens are associated with address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I never lived in that address and the tax liens should not show on my credit report. Please verify the social security number associated with the tax liens, and take them off my credit reports. The name, address, social security number associated with the tax liens in XXXX XXXX, XXXX are NOT mine. May name is simply XXXX XXXX and I live in XXXX. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Theres a whole bunch of credit inquires on my credit and i barley turned XXXX yrs old i havnt done anything to mess up my credit please help i need toget a loan n want to get a credit card n havnr tried but says i have??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nearly  one year ago, I c ontacted the CFPB to inquire about specific transaction details regarding my mortgage that was purchase d by Goldman Sachs  on  XXXX   XXXX ,  XXXX  from  XXXX   XXXX   XXXX   XXXX   XXXX  .     The company has not provided an adequate response to my inquiry and representatives from the CFPB indicated that followup emails had been sen t to Goldman Sachs for a   response. Yet, no reply has been received.      Goldman Sachs was  asked to provide details about the dates that my loan was sold from its controlling interest (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    )  to  XXXX   XXXX   XXXX  .     Additionally, my loan that was purchased on  XXXX   XXXX ,  XXXX  via a securitized transaction did not include the note, as an assignment was ultimately crafted in  XXXX  of  XXXX .     The bank purchased a loan without ownership control of the note. So, I want to know how it was able to sell the securitized mortgage notes / trust without ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have multiple accounts on my credit file that were added within the last month, non of these accounts are mine, I was informed that my credit file may have been merged with someone with the same or similar name, someone with a pervious address. Equifax refuses to fix this problem and continuously adds new accounts to my credit file every single day. They wo n't help me, they wo n't delete these accounts, and they wo n't un merge these XXXX credit files. I have personally called all these companies, and they ca n't find any information because my SSN does n't match anything they have on file. I 'm sick of doing Equifax 's job! They should be calling, NOT ME. They need to do their XXXX job. The accounts are n't mine, and I do n't want them on my file anymore. Furthermore, I have multiple accounts added to my credit file due to identify theft, and Equifax also refuses to remove those accounts as well. I 'm so sick of dealing with these rude mean people in their Consumer Affairs Department. They are mean, unhelpful, and just plain awful! I have the accounts that are n't mine listed below. 

XXXX XXXX XXXX XXXX XXXX, XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$1500.00} XXXX XXXX XXXX, XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$47.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$35.00} XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$890.00} XXXX XXXX XXXX XXXX, XXXX {$360.00} XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX {$0.00} All these accounts were added to my credit file from XXXX XXXX, XXXX - PRESENT. I personally find it odd that the 3 years I have had a credit file that none of these accounts have been on my credit file until 1 MONTH ago, when some of them are 8 YEARS OLD! Equifax is a scam and they need to remove these accounts now. I will be filing a report with my local law enforcement as well as the attorney general about their practices. I have filed a police report about Equifax and these accounts with the XXXX Police Department, the report number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid XXXX XXXX Systems back in XXXX. They sent a letter to all XXXX credit bureaus and my wife and I showing that the account was satisfied in full. The problem is that all the credit bureaus are reporting this account in the remark section as " settled for less than full amount ''. I asked them all to remove the remark from this account. I uploaded and faxed documentation from XXXX XXXX XXXX showing this account was satisfied in full. It 's now XXXX, and we are in the final process of getting our first home, and the remark is still showing on our reports. We need to have the remark removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I spoke with a representative from United States Senator XXXX office regarding credit errors on my credit report. I was informed by Senator XXXX 's representative that they spoke to Equifax representatives and they would review my credit report immediately and remove the unauthorized and fraudulent accounts listed on my Equifax credit report because the accounts do not belong to me. Review the letter from Senator XXXX 's office attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX is reporting the same account twice on my Equifax credit report, once under the name " XXXX XXXX. XXXX XXXX and a 2nd time under the name " XXXX XXXX XXXX '' who issued the credit card on behalf of the credit union. Both of these are the same account although they reflect XXXX different account numbers, thus being reported separately and are duplicated on my credit report at Equifax ,. XXXX of the XXXX should be removed so that my credit report only reflects the credit card once, either under XXXX or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I ordered an item off of XXXX and paid using Paypal Credit. The item was supposed to be delivered within 7-10 business days but was never delivered to me. I checked the status of the delivery online and it said it had been " delivered '' but not to me or anyone in my household. I opened an investigation with the USPS and they said that it was mistakenly signed for by someone who was not me and had no verification of proof of identity even though it was an insured package that was supposed to require proof. It was also GPS-tracked to be delivered to a location that was not my delivery address. I opened a police investigation into the stolen package and received a copy of the report. I opened a dispute with Paypal under their Buyer Protection Claim because I had never received the package and was thus entitled to a refund. They kept closing the appeal and denying the claim and I would reopen it because they did not open the documentation they had requested as proof ( the two investigation reports ). This occurred several times over the course of seven months. I spoke to a customer service rep on the phone on XX/XX/XXXX and they assured me that I would get a refund and they would appeal the decision to close the appeal. I received a notification less than five minutes after this conversation on XX/XX/XXXX saying that the appeal had been closed again and the appeal was still denied. I spoke to a representative again on XX/XX/XXXX who assured me again that I would get a refund and escalated the appeal, and assured me she would contact me again in 24-48 hours to update me on the status. She nor Paypal never contacted me again. I called the company again on XX/XX/XXXX and escalated my issue to the " top customer service representative '' XXXX ID # : XXXX. He was incredibly rude and condescending to me, and said the appeal would be closed and the refusal of the refund would be upheld because the " package had been marked as delivered, '' even though as explained and proven with the evidence the package had been stolen. They refuse to comply with the terms of their own Buyer Protection Service and refuse to issue me the refund that I am entitled to because I have proof that I never received the item as it was stolen.

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 2022-05-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I have placed a fraud freeze on my credit reports. Recently, I attempted to get a new credit card. The freeze worked exactly the way it should ; XXXX sent me a letter saying they needed a pin, or for me to release the freeze to continue. 

The problem is with Equifax. Through their website, they asked for indentification from me, but did NOT request the pin I have recorded from them. Immediately after, they refused all further contact by phone or internet : " We 're sorry ... we can not process your online request concerning an Equifax security freeze. To assist us in processing your request please submit in writing the required items outlined below. '' I am not comfortable with sending information that is already sensitive in the clear, and especially when it includes the PIN that is the master key to my credit report with XXXX. 

But I have no other option.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: RI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Since XXXX of 2013, I have been going submitting documents to modify my home and the company who I have my mortgage with has been asking me to submit the same documents over and over again. My interest is going up this month XXXX XXXX XXXX 4.75 %. The reason I need to modify my home is because I was getting child support of {$750.00} and it ended in XXXX. I submitted my documents 3 mths in advance in order to give them ample time to work on my modification. However, they are giving me the run around and continue asking me for documents they already have. I have continued paying my mortgage and because of this I can no longer pay.. I want this resolve asap. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
After taking out student loans in order to finish school. I was unable to make payments. I contacted my lenders and was instructed to send in documentation regarding my financial situation. I did do so, however it was n't credited to my account. XXXX claimed to not receive the documentation required after several attempts to send the documentation. When they did admit to receiving the paperwork, they claimed it was one day too late. This not only affected my credit but it kept me from obtaining employment. I feel their actions were fraudulent. I would like my credit report to reflect that all of my loans were in deferment at the time. Additionally they gave me the wrong information regarding my student loans and was under the impression that they were my only servicer and was responsible for me not contacting department of Education regarding the same loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax did not address my concern. The courts did not report any public record information to the CRA, therefore an indirect party, third party, has provided the CRA with this information. They CRA 's credit summary is misleading, as if the a Gov Agency, the judicial system, is the equivalent of a creditor or data furnisher, reporting public records to the CRA, which the court does not. 

Equifax Credit Information Services said : Explanation of closure Please be advised the creditor verified the Judgment case number XXXX correct as reported. Please be advised Judgment case numbers XXXX, XXXX and Bankruptcy case number XXXX has been verified as reported with the following Name, Social Security Number and address. Written confirmation has been mailed to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX and XXXX XXXX XXXX are reported as open. They were both included in my Bankrupcy which was settel in XXXX in 2015. Both have been

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Equifax Credit XXXX is reporting XXXX dismissed judgements on my credit report. I have disputed XXXX judgements and Equifax is responding to my disputes with the same response, " The judgement has been verified as correct and is being reported correctly. '' The Creditor/Lender agreed that once the judgement had been satisfied ; the satisfied debt would be removed. Equifax will not remove this from my credit report even though these judgements are not showing on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: CREDIT ACCEPTANCE CORPORATION
State: KY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Credit Acceptance corporation are falsely reporting on my credit report which has been hurting my ability to purchase consumer products from other companies. My identity was stolen and used years ago with out my permission with Credit Acceptance 6 years ago. I filed a report and also notified them that I never co signed a loan. I was told that it would be taken care of but instead Credit Acceptance has been listening negative payments on my credit report for a vehicle I have never seen nor have any ownership of. Now it 's list repossessed on my credit report which makes it very difficult for me to get a fair rate on an auto loan. I request this this company send me all the original contracts that they said I signed or delete themselves from my credit reports immediately.

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 2015-04-01
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
They keep sending me this!! I know it belongs to me!! I 'm not denying this point! Its just from back in XX/XX/XXXX and XX/XX/XXXX..And is outdated and should be off my file by now! It was all part of a Bankruptcy back in XX/XX/XXXX..Remove it! 

We have researched the credit account. Account # XXXX The results are : We verified that thisitem belongs to you. Additional information has been provided from the original source regarding this item. If you haveadditional questions about this item please contact:

Company response to consumer: Closed with non-monetary relief