BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-13
Company: DISCOVER BANK
State: TN
Product: Credit card
Issue: Other

Complaint:
I am XXXX, draw Soc. Sec. and live XXXX sometimes. I have a credit card account with Discover ending in XXXX. I was having problems paying the account and I entered into a hardship program with Discover in XX/XX/XXXX. They took my XXXX information and the account number. They read me a statement that I agreed to pay {$150.00} a month from XXXX XXXX XXXX XXXX, account ending in XXXX They have removed payments of {$150.00} a month from that account from XX/XX/XXXX until XX/XX/XXXX. I pick up my mail from my daughter 's. I picked up my mail on XX/XX/XXXX. There was a XXXX and XXXX Discover statement listing nonpayment, late fees, etc. I called Discover and the lady explained that they sent in request for payment in XXXX to my XXXX XXXX XXXX XXXX, account ending in XXXX. I explained that the account number is XXXX. Where did they get this XXXX number? I had an old XXXX account ending in XXXX but it has been closed for over a year. The woman could not explain where the XXXX number came from ; she could not check to see who had been in my account and made changes ; she could not reinstate my old payment plan I agreed to in XX/XX/XXXX. Discover made unauthorized changes to my account and they are telling me it is my fault. I had to pay all late fees, over the limit fees, etc. plus an increased monthly payment. I did not contact Discover and change the agreement I agreed to in XX/XX/XXXX. I did not authorize a change in account or account numbers from the ones I agreed to in XX/XX/XXXX. Discover supervisor XXXX XXXX said she would look into it and I should call back in two days. Somewhere, Discover went in and made unauthorized changes. What can be done to correct this and ensure it does not happen to someone else? I did n't think Discover could make changes to your account without your approval/agreement? Please help. I feel like this is unethical business practice from Discover Credit Card to defraud a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
The above dispute # is for an incorrect name, XXXX. They still had only my married name & i have been divorced for over XXXX & legally reverted to my maiden name in the divorce decree. I tried to correct online & had trouble signing in since the security questions had nothing to do with me. I called & tried to explain the name change, thought all was settled, Found out that a few days later that instead a Fraud Alert was placed on my account. I called again & tried to have it removed. Also, called XXXX & XXXX since I got a notice from XXXX that a Fraud Alert had been placed. I have since called & finally was able to get someone that immediately updated my name after pulling copies of my drivers license & SS card that I had sent earlier in the dispute. But I have been unable to get the fraud alert lifted, I applied for a credit card & had to send copies of my DL, SS & Bank statement to prove it was me applying. I do n't plan on any applications in the near future but would like to have this Fraud Alert removed since I never requested it. Thank you for your anticipated help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax reports that a XXXX XXXX Secured Card that I cancelled is in dispute. Nothing could be further from the truth. I closed the account myself. It was paid off completely. There is no dispute. I believe that this inclusion is hurting my Equifax credit score and it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: JPMORGAN CHASE & CO.
State: CA
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: Problem with personal statement of dispute

Complaint:
I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: HW Holding, Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this company or alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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

Complaint:
XXXX was deleted from my credit report on XX/XX/2016 and has been reinserted without any notification. Additionally, Equifax claims this account is still under investigation as of XX/XX/2016. I 've called Equifax to remove the item & they 're claiming they ca n't because it 's still under investigation. I 'm including the results from my original investigation which shows the account was deleted. I need this removed from my records IMMEDIATELY!!! This is a gross violation of the FCRA & I 'm entitled to {$1000.00} for this violation. Please see this matter is resolved NOW!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
EQUIFAX HAS VIOLATED FCRA VIA RE-INSERTION OF XXXX. XXXX SEVERALS WITHOUT 5 DAY NOTICE TO CONSUMER IN VIOLATION OF F.A.C.T.A. AND DODD-FRANK XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax, XXXX and XXXX credit reporting agency are reporting a Public Record Bankruptcy inaccurately. The agencies are stating that the derogatory entry has been verified to be accurate by the Bankruptcy court and XXXX XXXX Reporting company. However, the Bankruptcy court DOES NOT verify information to the agencies as it is against Federal law. XXXX XXXX has confirmed that a Public Record does not reflect on my credit reports. Although I have challenged this inaccuracy with the agencies, they are refusing to remove the entry and update my profile and score. I am requesting that the CFPB advocate for me regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dates from 2019 til now from same institutions over and over

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I've been going back and forth with Transunion and XXXX trying to ensure that my credit card is being reported correctly. I have had excellent history and had this XXXX since XXXX. I've contacted both agencies 3 times in order to resolve the issue. Each side continues to say its the other 's fault. XXXX stated that there is some sort of ID block or fraud, I contacted Transunion and they said they removed a freeze and a lock on my report and to have chase resubmit a reinsertion request which chase has done. I keep going back and forth with these XXXX companies and no one can seem to resolve the issue and I just want it fixed. I believe when I had some identity theft back in XXXX they XXXX have messed something up on transunions end and filed something incorrectly. They say the Transunion XXXX XXXX can fix this but I'm tired of being on the phone. I've spent over XXXX hours total talking to both of these companies and am Fed up and need a resolution. Thanks!

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 2022-05-05
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
After reviewing my credit report, I am not happy to see the below items that are still showing in there as negative. An error to my credit report have not yet fix I've sent you too many letters to correct your record which is my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Shellpoint Mortgage has reported on XX/XX/2020, " Between XX/XX/2020, and XX/XX/2020, the following remark was added to this account : Affected by natural disaster. '' This statement is neither authorized nor correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. I have faxed and mailed my identity theft affidavit and police report to Equifax Credit Bureau as well as letters from companies stating that they will remove my information from their data base ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX that are reporting fraudulent accounts on my credit report. Someone has obtained a personal loan from XXXX XXXX XXXX XXXX and a auto loan from XXXX XXXX XXXX. I am not sure if Equifax Credit Bureau is even submitting my disputes with my documentations to XXXX XXXX XXXX XXXX & XXXX XXXX XXXX to support my claim. I also reached out to XXXX XXXX XXXX regarding fraudulent activity on my XXXX XXXX credit card. Someone made a duplicate credit card with my information and made over {$3000.00} of transactions. I sent XXXX XXXX all of my supporting documentation ( identity theft affidavit & police report ) but my credit card is still maxed out when my balance should be nearly {$1700.00}. " PLEASE HELP ME '' ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax refuses to investigate correctly and validate debt and correct dates and amounts. They continue to show items the items and also they have not provided me with an updated report. I want disputed items investigated correctly and updated correctly on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, 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 sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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

Complaint:
Equifax has me listed as having XXXX credit cards, the XXXX credit card was closed out and replace with a new number and that account should be removed from the credit file, the only XXXX account that should be listed is the one that 's says open XXXX XXXX, XXXX that was last reported on XXXX XXXX, XXXX. By them having these XXXX accounts listed it dropped my credit score by XXXX points which is not right

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
What's Happened? 

I opened a Home Equity Line of Credit with XXXX on XX/XX/XXXX for {$42000.00}. Using my bank account, I set up an auto payment for {$500.00} a month and on XX/XX/XXXX paid {$500.00} so the total amount due from {$42000.00} was down to one final payment of {$150.00} ( so I thought ). It was actually {$150.00}. I went ahead and paid through a one-time payment from my bank account {$150.00} on XXXX XXXX, XXXX and didn't cancel the {$500.00} auto pay. Thinking the home equity line of credit was paid off and not worried about payments, the auto pay continued to send {$500.00} on XX/XX/XXXX, another on XX/XX/XXXX and one more XX/XX/XXXX. I was credited back each time for {$500.00} and my bank stopped the auto payment on XX/XX/XXXX. -- THIS IS NOT MY COMPLAINT. 

In XX/XX/XXXX, after what I thought was my final payment XX/XX/XXXX of {$150.00}, XXXX XXXX app updated and showed that XXXX closed my account at the same time ( XX/XX/XXXX ). Learning now, it wasn't because the account was paid off. They sold my mortgage of {$150.00} to XXXX ( Who are they? I had no clue ). I thought they were a scam company. Neither XXXX or XXXX reached out, never showed another mortgage company on my credit history and had no idea XXXX sold my {$42000.00} loan from XXXX for {$150.00} right before my final payoff. The account was closed or so I thought. On XX/XX/XXXX - XXXX just reported to Transunion and XXXX that I haven't paid my mortgage and my credit score dropped like XXXX XXXX in XXXX XXXX XXXX PunchOut. After hours on the phone with XXXX, I was told that I couldn't payoff the amount of {$150.00} because it has to be a certified check or money order ( Unfortunately, we are now dealing with CoronaVirus and that isn't getting sent out any time soon ). AND, They are charging me the {$150.00} PLUS, interest of {$8.00}, PLUS, {$16.00} late fee, PLUS {$100.00} recording fee. So not only my credit was hit, but my final payoff amount went from {$150.00} to {$280.00}. Oh, and please don't forget I had my auto pay set up this entire time to XXXX until XX/XX/XXXX getting the payments credited by to my bank account.

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 2016-07-28
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have tried to before and was successful with XXXX, but Equifax has not even updated my information but is sure to to put any negative. They have XXXX collections that are not mine, have wrong addresses, and when I try to dispute it said I had the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of 2021 I received a court document from a collection agency stating that they had served me they had gone to court behind my back and they won by default. I was never served in any way shape or form I was never notified by this collection agency I don't know what the debt is for where the debt came from or even if the debt is mine. The three pages of the Court docs didn't include the name of the original debtor the name of the person that I owe the debt and when the last payment on this supposed to get was made which means I don't know if it's mine where it came from and it is more than likely a time-barred debt. Since they won by default because they falsified documents and they serve me when they didn't I'm now on the hook for almost {$5000.00} which I don't know and I don't know how to fight it. I need help ASAP before deleting my home or if they try to garnish my husband 's wages we would not be able to make our mortgage payment and we would lose our home. I never received all the full court documents and if you'll notice on the image I attached the page that is supposed to provide the original debtor how much does XXXX on the last payment was made with never filled out it was incomplete. They did not provide me with any of their evidence to prove to the court that I guess it wouldn't have to because I knew I wasn't going to show it because I wasn't served so they knew they were going to win by default

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: WI
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 report act these accounts has violated my rights XXXX # XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX/XXXX/16 Complaint Department Equifax Credit Information Services , Inc XXXX XXXX XXXX, GA XXXX XXXX I am writing to dispute the following information that your company provided to XXXX my Report number is XXXX on XXXX XXXX, 2016 I have circled the items I dispute on the attached copy of the credit report I received. 
This item Federal loan services Credit Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed. Account Number : XXXX ... Date Opened : XXXX Status : Transferred, closed. 
Account Number : XXXX. Date Opened : XXXX Status : Transferred, closed. 

These above accounts are been rehabilitated according to the XXXX Account Number : XXXX Date Opened : XXXX Status : Open/Never late Account Number : XXXX Date Opened : XXXX Status : Open/Never late Account Number : XXXX ... Date Opened : XXXX Status : Open/Never late. 
Further more I have contacted federal student loan my account number with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX ) my account is XXXX. 
According to the XXXX the above duplicate accounts listed XXXX XXXX XXXX should be removed. The XXXX further reports that credit bureaus should contact the XXXX while these items was disputed. While the credit bureaus never contacted the XXXX provided me the letter as evidence mail to Equifax. According to the XXXX these items should be removed. Please removed these items, or contact the XXXX Furthermore Account Number : XXXX Date Opened : XXXX I have contacted the company and they told us that I do n't have any account with them and while this was disputed XXXX never contacted them all. Please provide me the evidence that I owe them any money. 
I am requesting that Equifax have the item s removed to correct the information. 
On my credit report there are several information that is wrong including my name. 
I have enclosed copy of my XXXX passport and driving lic, as evidence that I have XXXX single name. 

Supporting my position. Please reinvestigate these matters and contact the national credit reporting companies to which you provided this information to have them deleted the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX Pennsylvania

Company response to consumer: Closed with explanation