BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have notified Equifax on many different occasions that the following addresses do not or never belonged to me. I would like these addresses removed from my credit file. Since they was a result of identity theft. 

Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT

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 2022-09-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
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:
There is an account listed on my credit file that still says I owe, this is inaccurate, untrue, and needs to be removed. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX tied to temporarily lift a credit freeze that I placed in XXXX for a mortgage application. XXXX website no longer uses the pin number I was issued and gave me no way to lift my freeze, even though I could access my report and see it was frozen. I tried several of their phone numbers and was unable to get it lifted through any of them. This could jeopardize my ability to purchase a home. No issue with the other two agencies, whose freezes were placed at the same time. Easy to do online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of the privacy. 

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

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 2022-09-07
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My mother, XXXX XXXX XXXXXXXX passed away XX/XX/2022. She had a checking account with US Bank which I attempted to close starting on XX/XX/2022 when I sent the requested death certificate, power of attorney and my identification to XXXX XXXX XXXXXXXX ( XXXX ) I received an auto reply directing my to make any further requests to US Bank Life Events. I have sent additional emails and left phone messages with US Bank Life Events throughout XXXX with absolutely no response other than 1 generic email sent XX/XX/XXXX stating that someone from US bank would contact me which no one has.

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 2022-04-13
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone used my personal information to obtain services with XXXX XXXX XXXX in my name without my knowledge or consent. Franklin Collection Services has placed this fraudulent account on my credit report in the amount of {$640.00}. The last activity date was XX/XX/2020 I contacted Franklin Collection Service and informed them that this account was fraudulent and they stated that they would have to contact XXXX XXXX XXXX regarding the account and wait for a response before they could give me a response about the account. 

I sent Franklin Collection Service a copy of the FTC report and ID Theft Affidavit that I filed as well as a request for them to validate the debt. I have not heard anything else from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$2800.00} Dear Sir or Madam, I am writing in regards Null Medical account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

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

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: NJ
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 have submitted a dispute letter three times for the past four months and have not received any update or progress on the status of my dispute.

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 2022-04-13
Company: EQUIFAX, INC.
State: NJ
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 have submitted a dispute letter three times for the past four months and have not received any update or progress on the status of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat c payment on a credit card account under an + open end consumer credit plan as late for on purpose. 
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 2016-03-01
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have stuff on my report that does not belong to me, I do not go by XXXX, i go buy XXXX, The Credit Bureaus see the info is not mine but told me to dispute this stuff with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax continues to report unverified information and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Equifax is in violation of this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed with Equifax XX/XX/XXXX, XXXX XXXX account is not accurate and is not a debt I owe. They investigated and acct deleted XX/XX/XXXX, now, the account for XXXX has been reinserted again. Equifax is not following FCRA procedures and has gone against the law. I have called Equifax this morning on XX/XX/XXXX, and filied a complaint over the phone. I want Equifax to permanently delete the XXXX account off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, my name is XXXX XXXX and I have for the past 6 months reached out to experian, XXXX, and XXXX in hopes of fixing my credit submitting all information required such as identification, dispute items, with account # XXXX and still to this date I have had no traction in my disputes. Experian for the past 3 months have been sending me my results for the disputed accounts pending, then saying its completed with an empty report # saying I have to pay {$20.00} for the results and then saying it can not be found. The debt I am disputing is still unverifiable nothing has been sent to me and I am just trying to get an apartment in which I can not have my credit fixed for the life of me. As these reporting agencies are just taking advantage and violating FCRA laws in which they just are not responding especially Experian, XXXX and 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 non-monetary relief
Consumer complaint received 2017-05-23
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have  two student loans with Navient, one was charged off, the other one  remains in good standing. My loans have been deferred while i 'm in school, I have never been out of school. This information can be verified via student clearinghouse. I recently discovered upon checking my credit report, that Navient charged off  one  of my loans, and is now having a collections agency collect funds on the loan. Prior to the loan being charged off, I never received any correspondence via telephone or mail. Navient did not make an attempt to contact me at all regarding my student loan. Upon discovering that my loan was charged off, I immediately contacted navient via telephone. I was informed that my loan had been charged off because I stopped attending school. This information was incorrect, as still to this date, i have never stopped attending school. If this were correct, then why had n't my other student loan with them also been charged off? The other loan still displays a " deferred '' status. I explained to Navient that I was never contacted regarding my loan, and to please provide me with when they attempted to contact me before placing my loan in a charge-off status. I was not given the information, and was told that I needed to speak with the collections agency, as nothing else could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
i have a on my account a credit card account that was part of my bankruptcy and it should have gone a way but its is still reporting and it is reported as closed the card is XXXX the last time it has reported XXXX XXXX so it goes buy this when it should have been gone XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2016-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 'm having a difficult time understanding how I can send physical proof that they are reporting these accounts inaccurately and illegally and nothing is done. I am also making complaints with the attorney general because this is absolute willful negligence on their behalf. I do n't care that they have to do 10 disputes an hour ; that 's NOT my problem. They are required to do a full investigation and they do not even have the information in their files so because I am sending the proof that they are in violation, these items must be removed immediately. Refer to my credit report to see the way they are reporting this : XXXX XXXX XXXX The date XX/XX/XXXX does not exist A bankruptcy must be reported as a bankruptcy and not as a " XXXX XXXX '' Liability amount " XXXX '' is not valid XXXX is not the correct accurate Court must be listed with the city and state XXXX XXXX The date " XX/XX/XXXX '' does not exist A bankruptcy must be reported as a bankruptcy and not as a " XXXX XXXX '' Liability amount " XXXX '' is not valid XXXX is not the correct accurate Court must be listed with the city and state XXXX XXXX The date " XX/XX/XXXX '' does not exist A bankruptcy must be reported as a bankruptcy and not as a " XXXX XXXX '' Liability amount " XXXX '' is not valid XXXX is not the correct accurate Court must be listed with the city and state

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My home was flooded twice ( XXXX and XXXX 2016 in which I asked XXXX for their assistance. I wanted help to make my payment and to avoid any derogatory information placed on my credit report. On XXXX XXXX, I called XXXX for assistance again so I could finish paying contractors to more back into my home. XXXX told me to pay XXXX and the next payment would be due XX/XX/2016 but I only had XXXX to spare. I asked several times would it affect my credit report because hey were mainly concern about the payment and not the customer. I made another payment in this manner and XXXX did not report a derogatory credit information. The payment was n't 30 days late yet which is why I continued with making the payment arrangement. If you are past due 1 day the robocalls start and they will call 8 - 10 times a day. Now I can not get a loan to finish repairing my home. DEAL WITH XXXX AT YOUR ON RISK!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have XXXX judgements against me. At the time of service I had medical insurance to cover me. Instead of my insurance being billed I was directly sued by the medical provider. I 've contacted the XXXX and XXXX XXXX about this matter & was given proof that I had insurance coverage at the time of of service. I sent a written letter to each credit bureau with a copy of proof of insurance at the time of service requesting they remove it immediately off my credit and they have yet to do so. Please help me because I 'm being denied credit cards home loans and renting a place because of these derogatory remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Maximus Education, LLC dba Aidvantage
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
We have a XXXX loan and a XXXX XXXX loan with XXXX different companies. My son has been paying on these loans since XXXX. The last XXXX years the interest was taken off, however, on all of our loans, We owe more now than when we started. What the heck is going on? We started out with Navient and XXXX. This year we were transferred to Aidvantage and XXXX. We never got a statement from anyone until this year. My son never stopped paying the entire time regardless of XXXX. How can we owe more now than when we started?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Experian Information Solutions Inc.
State: SC
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 HAVE SENT THEM MY LETTERS TO REMOVE MY FAULTS AND NEVER GOT ANY REPLY AND ITS BEEN OVER 60DAYS

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