BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried repeatedly to get my report updated and all three bureaus keep reaging my accounts and saying that they were verified when I know they were not verified. The dates and amounts are all incorrect. Last active and Last reported are all showing different dates, the amounts are all wrong and the comments like account closed and when it was closed are all wrong. These are just some of the inaccuracy I have found and Have repeatedly sent letters regarding it but I am very aware they are not actual people looking at these letters. I do understand that they letters go through OSCAR system which will automatically kick out a verified letter. This is unfair.These Bureaus need to be stopped.They can not continue violating the rules and think that it is ok to do so. They are reporting inaccurate information and its causing havoc on my end. They have violated many FCRA Rules especially the 15US Code 1681s-2 and ( 623 ) ( A ) ( 7 ) amongst many others. They are treating many as well as myself unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I file a dispute in the regards of incorrect items on my credit report. I was ask to give 40 days which has been well over the grace period asked.

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 2020-07-22
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My accounts have been hacked so I put a lock at the credit rating agencies. I lost my password for Experian. They told me for {$20.00} overnight me the information to unlock my account I asked them to do it. The next day in the mail was a credit report and they build my account about {$40.00}. And I called back the next day they told me I had to pay another {$20.00} to get the information I had already paid {$40.00} forBut was told would only cost about XXXX. So I had them do it again. I then had to spend about 100 hours on the phone filling out multiple forms multiple times being told multiple things from multiple people much of it conflicting. I have filed multiple complaints with the consumer financial protection bureau regarding XXXX and Experian has responded every time but they have never answered my question. My question always was why did they make meSpend about 100 hours on the phone to get my XXXX bucks back? They responded to my complaint three or four times but they have never answered my question. I think XXXX XXXX works for them because theyve always dance around my question

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 2018-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Transunion but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

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 2022-09-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried repeatedly to get my report updated and all three bureaus keep reaging my accounts and saying that they were verified when I know they were not verified. The dates and amounts are all incorrect. Last active and Last reported are all showing different dates, the amounts are all wrong and the comments like account closed and when it was closed are all wrong. These are just some of the inaccuracy I have found and Have repeatedly sent letters regarding it but I am very aware they are not actual people looking at these letters. I do understand that they letters go through XXXX system which will automatically kick out a verified letter. This is unfair.These Bureaus need to be stopped.They can not continue violating the rules and think that it is ok to do so. They are reporting inaccurate information and its causing havoc on my end. They have violated many FCRA Rules especially the 15US Code 1681s-2 and ( 623 ) ( A ) ( 7 ) amongst many others. They are treating many as well as myself unfairly.

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 2019-10-21
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened up a discover card and was told I would have 24 years interest free, today I called and spoke to XXXX ( XXXX ) in XXXX, Arizona. I told her I spoke with a man back in XX/XX/XXXX she informed me his ID was XXXX and I told her I called him when I was at the XXXX store in XXXX XXXX, Florida he raised my limit and said have fun spending its interest free, I double checked with him. Now they are billing me for the year XX/XX/XXXX and refuse to fix the issue. Please let me know what I can do? 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a complaint against CCS.The reason for this complaint is that I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: BOK FINANCIAL CORP
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
As a result of a car wreck I got behind on my mortgage. I have lived in my home since XX/XX/XXXX and only owe under {$10000.00} total to pay off mortgage in full. Bank of Oklahoma refused to work with me on a repayment plan early on in the stages of my being in arrears. Since then they have fast tracked foreclosure proceedings. As of today I gave correspondence from the law firm hired by the mortgage company stating if I pay approximately {$5000.00} by XXXX XXXX the loan will be completely on track again. I will have the full amount to the law firm by XX/XX/XXXX pursuant to our agreement. On the interim Bank of Oklahoma has contacted my homeowners policy provider, XXXX XXXX, on numerous occasions stating they own my house now, that I do not reside their any longer and instructing them to cancel my policy. I have kept in contact with XXXX XXXX and told them they are not to listen to the mortgage company and today I received a check from XXXX XXXX for the refund of my policy as it was terminated at the instruction of Bank of Oklahoma. Additionally, Bank of Oklahoma has continued it 's malicious conduct by having XXXX separate appraisers contact me at work stating they need entry into my home to appraise it immediately. I am beginning to fear I will pay the {$5000.00} requested and they will claim it was not received or just take the money and not honor the written agreement I have with the law firm they hired and who is acting as their representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a XXXX XXXX credit card ending in XXXX XX/XX/XXXX. In XX/XX/XXXX or XX/XX/XXXX it was closed by XXXX XXXX. Not sure why except that they told me the credit bureau said it was reported as fraud. Not sure who or why that happened, but it did. Meanwhile, I couldn't make payments and the account wasn't available online. I made numerous calls through XXXX, XXXX, and XXXX to see what I needed to do and to make any payments. I was told every time that I couldn't make a payment and the representative even telling me it was greyed out on their end and they couldn't even accept payment. I made a call at the end of XX/XX/XXXX, due to another letter coming to me by mail to fill out a fraud report. I had told him there was no fraud and asked what I needed to do. He said they had finished their investigation and would send me a letter. I specifically asked if I needed to make a payment and told him about my past calls and not being able to. I also asked specifically about what I needed to do to ensure that my credit wouldn't be affected. He said I would receive a statement when the investigation was done, which it was and I could make a payment. 

Once I received the statement I made a payment. I wasn't able to access online but called. Later in XXXX, I received notification from Experian that XXXX XXXX reported XXXX as a 30 day late which shows as a late on the credit bureau reporting. 

On XX/XX/XXXX I called XXXX XXXX 's fraud department that I had been in contact with during this entire process. After the person helping me realized it was XXXX XXXX 's mistake due to me not being able to make a payment and the rep 's all saying the same thing, she got them to send a letter to the bureaus to say it was XXXX XXXX 's error. 3 days later, the late reporting was removed from my reports. 

In XXXX, the late reporting showed back on my reports. I had received a letter from XXXX XXXX dated XX/XX/XXXX that confirmed I was current for XXXX, but the issue is XXXX not XXXX. 

Please help me get this removed from my reports.

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 2022-04-10
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Filed XX/XX/2022 XXXX XXXX XXXX The above complaints were filed after I was declined for credit. The reason that I was declined is that I am deceased. I contacted all three major credit reporting agencies ( XXXX, Equifax, XXXX ), all three of which denied there was anything on my report, at their agency, that listed me as deceased. I then proceeded to file the complaints listed above. 

After filing those complaints, the response from all three companies was, once again, that they had nothing negative on their records. 

To make a long story short, here is what I found when I looked at XXXX today under " Personal statements '' ; " XXXX & XXXX XXXX DOCUMENTATION HAS BEEN PROVIDED CERTIFYING THAT THIS CONSUMER IS DECEASED XXXX '' ( see attachment for screenshot ) In addition to the above, my name and my address are listed wrong. And they show an open Mortgage XXXX for {$320000.00}. 

I do not have a real estate loan, my home is paid for, free and clear. In fact, I do not have any loans. The ONLY financial relationship I have is with XXXX Bank. The only accounts I have with XXXX Bank are XXXX checking account, XXXX savings account, XXXX credit card, and XXXX debit card. I do not have any open loans, credit cards, or other accounts of any kind with any other financial institution. 

I attempted to check myEquifax but after entering my log in information I was presented with the following " We can't complete your request at this time. Please call the XXXX XXXX XXXX '' I also attempted to check XXXX account but my log in attempts there were met with Invalid credentials. The same credentials I used in XXXX and XXXX but now they are no good? 

As stated in my previous complaints, all three of the credit information services mentioned above have had inaccurate information on my file for decades. They have continually confused my brothers and my information and obviously continue to do so. 

My brother is DECEASED, I am NOT. 

Please inform these companies that I have made numerous attempts over the years, and obviously recently, to get these errors corrected. This is my last attempt to provide them the opportunity to correct my information prior to exploring my legal options for recourse. 

Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX   XXXX  is reporting on my credit reports on all   XXXX   bureaus as if I owe them money and this account was established in  2016.  I have never borrowed money or taken money from this company for a loan to default on. I need this collection account removed from a ll    XXXX   bureaus immediately. I have tried to dispute with them and collections agency. They never verify the debt just states that it was verified. I need proof of my signature otherwise they need to remove this from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a medical collection on my report that is not mine, account # XXXX. I have disputed this information with Experian several times since XXXX this year and the collection agency ( XXXX XXXX XXXX ). I have send certified letters and requests to validate the debt and remove it from my report as it does not belong to me. Experian is failing to delete and re-investigate the collection. Experian keeps stating that " They have contacted the furnisher of the information and verified the account ''. The furnisher can not verify the account and because of that they have closed the account. I have filed complaint against XXXX XXXX XXXX ( XXXX ) through CFPB case # XXXX. XXXX is stating that they have closed the account and send the request to delete to Experian. I have disputed the information again with Experian on XXXX XXXX, 2015. Experian fails to re-investigate and delete. Experian continues to report false information on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I had a credit card that was missing but lost in my house and Capital One said they were sending me a new one but never did. 
It was XXXX or XXXX but I do not know the entire number as I never received it. They are sending other bills to me but never gave me credit for a {$30.00} payment I made on the first of XXXX on my bill. I am not sending them any more money as they breached their contract and never sent me a card but have my address of XXXX  XXXX XXXX, XXXX XXXX, Florida XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-10
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Qualified for a better loan than the one offered

Complaint:
XX/XX/XXXX I was disbursed XXXX XXXX XXXX XXXX by XXXX XXXX . In XXXX, I requested a loan repayment plan to begin the XXXX XXXX XXXX XXXX process. I was informed that my loan type did not qualify and instead the company consolidated the loan into a private loan type. Given the recent updates to the XXXX and the temporary waiver put in place, I learned that my original loan type did qualify and that the lender lied to me in order to get me into a high interest private loan product.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Upon trying to obtain a credit report at a car dealership, I was told I am reported as deseased through at least XXXX credit report company. After contacting them, they stated that my former bank told them I was dead and only the bank could undo the issue. I have tried writing to my bank 's credit compliance division ( as there is no phone or email contact info ) with no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-16
Company: ACS Education Services
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have XXXX loans that are currently serviced by ACS ( at total nightmare ). Those XXXX loans are the only loans that I have that I simply can do nothing with. ACS is claiming that my loans were defaulted because they were past due 270 days. No one contacted me or sent any information of such. I have worked with XXXX and worked out a loan consolidation in which I could not even include the XXXX ACS loans. Furthermore, ACS claims that the loans are " permanently uninsured '' in which they have been reporting to the credit bureaus for over a year and it is having a major affect on my credit. On the National Student Loan Database, the loans are showing temporarily uninsured in which ACS is claiming that XXXX ( guarantor ) has not updated the system correctly. I spoke with a representative at XXXX and she advised that my loans were showing a " temporary uninsured '' status since 2015 and was unsure as to why ACS is claiming it is permanently uninsured since the information would be coming directly from XXXX. Also, if my loans are in a " permanently uninsured '' status, ACS should not be reporting to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit report lists an incorrect " 90 days past due '' payment to the department of education for my student loans from XXXX 2012. I had made payments during that time to the new loan servicer ( " XXXX XXXX '' ), and have proof of these payments, so would like this incorrect information to be removed from my credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: OH
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation