BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have ask EQUIFAX XXXX times, to provide me with a copy of the original signed credit application and signed contract to provide proper verification of the account listed below. Per FCRA sec 609 ACCOUNT : XXXX XXXX ACCOUNT NUMBER : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax keeps giving me a new confirmation number, and staring the process all over to correct my credit report of errors. They can not process some changes online and want copies of social security cards, drivers license etc. either by fax or mail. I.m not comfortable with that process. 
Also their interpretation of how long your information need to be on your credit report is different than their competitors. I believe they are wrong I do I correct that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: VIRTUOSO SOURCING GROUP, LLC.
State: KS
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Enrolled at XXXX College in XXXX Colorado, in XXXX of 2009. I did not attend XXXX class or use any resources of the college and tried calling XXXX.. A counselor or student advisor at the time.. To tell her I am not attending and drop me from the school ... She never called me back or responded and I was unable to go to the college in person at the time.. Therefore XXXX College went ahead and charged me at the time {$4900.00}. That debt is now with a collection agency and now the total due is {$6300.00}. I never accepted the debt. The collection agency now has called me over and over and at unusual hours. Past regular business hours. They 've called my father recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: Colony Brands, Inc.
State: ID
Product: Credit card
Issue: Transaction issue

Complaint:
I received a " thank you for your order '' e-mail from Swiss Colony company, although I never submitted an order. The customer service person said that the order was on it 's way and there was nothing they could do. They said I could n't return the package, assuming it arrives at my address, since it is perishable food. They said I could not get a refund to my pre-approved credit account. They said that they were not authorized to close my credit line with XXXX, so this person can and probably will order again, using my name and account number and line of Swiss Colony credit, which is over {$2000.00}, although their first 'bogus ' order is {$130.00}, and XXXX. said I am responsible for the bill. I ca n't believe this! It is an outrage. I am the victim here, but cust. service told me I must get a paid, notarized letter explaining/proving that I did not actually place this order. The phone number on this order is not mine, however, they would not give me the phone number of the person so I can figure out who placed this order, citing " privacy '' concerns, of all things. Can you help? XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
My concern is not listed, but here it is. 
My XXXX and XXXX scores are only XXXX or less values in difference. 
XXXX and XXXX respectively. Equifax, however, consistently has my score at almost XXXX points less than both. I have been told that because I live in a predominantly XXXX area, this is a racially motivated discriminatory practice based on zip code. Meaning the score is deliberately manipulated this way in predominantly XXXX zip codes to prevent us from obtaining fair and low interest rates and even to deny credit altogether. I would like an investigation into this. My score with Equifax should not be cosistently XXXX points lower than the other XXXX reporting agencies and all XXXX have the same credit profile. This has happened with others in my neighborhood as well as my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Navient hired XXXX XXXX XXXX XXXX to collect on student loans. XXXX XXXX XXXX XXXX is alleging that I have only paid {$1000.00} in total for the last XXXX payments that I have made on my account. This is false. Financial Asset Management Systems is flagrantly violating the Fair Debt Collections Practices Act by not accounting all my payments properly. XXXX XXXX XXXX XXXX is asking me to provide proof of payment when they should be the ones that should be correctly totaling my accounts. Each monthly payment on my account has been for at least {$250.00}, however XXXX XXXX XXXX XXXX is incorrectly claiming that I have only paid {$1000.00}, which is patently false. Navient and XXXX XXXX XXXX Systems are engaging in deceptive debt collection practices. Under CFPB complaint number XXXX, XXXX XXXX XXXX XXXX is incorrectly claiming that I have only paid {$1000.00} on my account. XXXX XXXX XXXX XXXX is engaging in deceptive debt collections practices because I have paid way more than that amount of my account and it shouldnt be up to me to proprerly credit my account, it should be up to the debt collector. XXXX XXXX XXXX XXXX is misrepresenting the payments I have made on my account and not properly accounting all the payments that I have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
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 status incorrect

Complaint:
When I applied for XXXX XXXX Bank credit card I asked to receive paperless billing because I was in a process of relocating. I have not made any purchases on the card and did not expect to receive bill yet the credit card company sent paper statement in a mail to my old address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX when I specifically asked for paperless billing. When I realized the account was deliquent I asked again to change it to paperless billing and to update my mailing address to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX bank reported that I was late in XXXX  of XXXX and XXXX of XXXX. I asked them to remove it from my report and spoke to them several times and they agreed to remove it verbally. I also disputed the late payments with credit bureaus. Based on their favorable response that it will be removed I paid {$5000.00} XXXX money towards purchase of home. When I called them again they said that my request to remove the late payment was declined. They lied to me saying they will remove it and I lost {$5000.00} XXXX money because I was disqualified for a mortgage. I want them to remove the incorrect information that was late. I did not made any charges on the card and did not expect a bill. Moreover, they did not act on my request to change to paperless billing and so when I moved I did not receive the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is showing an installment loan that is closed as open. The account # is XXXX with XXXX in the amount of {$15000.00}. This account shows duplicate as a collection as well with equifax , but that has been handled appropriately. XXXX no longer show this installment loan as open. I disputed this directly with equifax and the account shows as closed in there database. I simply need equifax to report it as closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I named XXXX XXXX in a bankruptcy, the bankruptcy has been discharged yet the account is now showing up as " in collections '' on my Equifax credit report. Copy of Bk discharge attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
About two years ago I used a XXXX credit card to make a XXXX purchase, then went to XXXX for 3 months. The bill arrived by mail. Of course I was not home to make the payment. I paid it as soon as I arrived home, with two months late fees, so my {$35.00} original bill became {$100.00}. This is the problem : XXXX referred the bill to a credit agency, equifax. 
Both Equifax and XXXX say that despite the circumstances and the bill being paid in full with late fees, nothing can be done to remove it. My {$35.00} bill is now a " Serious delinquency '' on all my credit reports FOR 10 YEARS! If you can not intervene, I would hope you can propose a law or procedure that assures that once a bill is paid, it can not remain on a credit report for more than a year. Thank you, XXXX XXXX Please respond

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
XX/XX/2016 Equifax apparently has some incorrect information about my identity in their files. They refuse to supply me with my free credit report, so I can not even begin to look for problems myself. They have failed to make a good faith effort to correct their error. 
I first encountered the problem when trying to create a My Social Security acct. online. I was blocked when the system could not identify me. Social Security told me that XXXX of the credit reporting companies was used to identify me and may contain incorrect information about me, and recommended that I get my credit reports. When I tried to do that, Equifax blocked my request saying that they were not able to " match your records ''. I have spent hours on the phone and online trying to get Equifax to fix whatever the problem is. They first told me to file a dispute online, but when I tried to do so their system blocked me again. On the phone they tried to tell me that the problem was my middle initial. They filed a dispute and I have received a letter XXXX Equifax conf. # XXXX XXXX saying that they have fixed my name by adding my middle initial. Not surprisingly, this did not fix the problem. Back on the phone, they gave me the run around, telling me that my information was correct, did I want to file a dispute again, etc. They refused to transfer me to anyone who could help ( the Customer Representative is a phone bank in the XXXX and they do not have adequate access to my records. It is abundantly evident that their job is to make me go away. 
In the past I have had my identity stolen twice, my address changed online without my knowledge, my credit card used fraudulently, etc., so this is a very urgent problem. Amazingly, this is causing Social Security to block me. I am nearing the age when I will file for XXXX and Social Security benefits, so this is no trivial matter. 
Please help. My request to you is : 1 ) XXXX Equifax to fix this problem 2 ) XXXX Equifax to provide me with a full and complete explanation of the error, the origin of the error, and what they have done to fix it. 
3 ) Force Equifax to completely investigate my credit information and determine what damage to my credit has been done. 
4 ) Force Equifax to contact Social Security XXXX to correct all errors regarding my identity and place an explanation of this event in my Social Security file. 
5 ) Force Equifax to give me the required free credit report. 
6 ) Force Equifax to extend the XXXX alert on my credit files ( I currently have another year or XXXX on a XXXX alert caused by the events noted above. ) Thank you sincerely, XXXX ( aka. XXXX to Equifax XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-24
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is the XXXX hard hit I have received in the last week. XXXX being from some company called XXXX and now this XXXX XXXX which is apparently XXXX. Both of which have done this without any consent on my side. I have no clue who XXXX is and XXXX I have never signed up for their credit always used my bank accounts. When started to dispute the first hit XXXX claimed to have put a fraud alert on my SSN so anyone who requests anything would have to get secondary permission. Well apparently not since this just happened again today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a letter from XXXX stating they have requested to be removed from my credit history. Equifax refused to remove account. I have called and faxed over same letter. They are not being compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax is unlawfully reporting accounts without verifying or validating the debt. They are in violation of Section 609 of the Fair Debt Collection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Student Loan Finance Corporation
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have filed my complain previously to CFPB ( Case number : XXXX ) against SLFC regarding cosigning student loan. SLFC, in response decided that it will make the necessary transactions to remove me as cosigner from the loan and also agreed to take necessary steps to remove and repair my credit report and score that has been affected. Unfortunately my latest credit reports ( XXXX 2016 ) from all XXXX credit bureau indicating that the student loans still active in my reports. SLFC should take necessary actions to remove all these " active '' delinquency from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I do not have social security number, and I tried to get my credit report ( both annual free credit report or paid credit report ), however, I only got my credit report from XXXX. However, XXXX and Equifax refused to provide me my credit report, for the reason that I am not US citizen and I do not have social security number as an XXXX ( not entitled to a social security number unless have an employment authorized by XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: APR or interest rate

Complaint:
Because we had dual job losses a few years back, Discover placed us on a few programs to assist us with our payments. We made every payment owed. Our last statement showed that they are now charging us 24.99 % interest. Discover now says that our programs are over and thet we have to wait FIVE years before they will consider lowering the interest rate. It was never explained to us that they would charge such a high rate. We can not afford this. We can not make a dent in the principal because of the extremely high rate. We contacted Discover to ask for help, and were told " too bad. '' I fail to understand why we are being punished when we complied with their programs, have faithfully made our payments to them, and are not behind at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax Dispute : Account that should be closed, but is reported as open in my Equifax report, in error : XXXX XXXX. 
StudentXX/XX/XXXX XXXX, XX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXX that are current, but are reported as missing payments in my Equifax report XXXX although they are current and receiving {$330.00} dollars a month : XXXX BANK - STUD StudentXX/XX/XXXX XXXX, XX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXX BANK - STUD StudentXX/XX/XXXX XXXX, XX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXX XXXX Past Due $ XXXX XXXX XXXX Past Due $ XXXX XXXX XXXX XXXX Due $ XXXX XXXX Past Due $ XXXX XXXX XXXX XXXX XXXX XXXX these loans above are part of the XXXX loan and need to be closed, as they are now part of the XXXX total sum, which is {$45000.00} dollars. These loans have all been consolidated into XXXX loan serviced by XXXX shown below : XXXX StudentXX/XX/XXXX XXXX, XXXX - CurrentNo Missed Payments {$45000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed a bankruptcy dismissed on my credit reports ( Equifax, XXXX, XXXX ) starting on XXXX XXXX 2016 and they all have reported it as verified. I provided them with documentation showing that the bankruptcy court does not report to the credit bureaus and requests under the FCRA sec 609 for there validation procedures and FCRA sec 15 as my disputing the validity of the account. Equifax and XXXX are reporting them as valid and XXXX is refusing to reinvestigate stating that unless I provide them with more evidence they are not going to reinvestigate. I have not been provided with any documentation stating that this debt is mine or with my signature I need this removed immediately so that I can refinance my home loan. they have no way of providing proof of this account and just looking up a case ( docket ) number is not validation that this belongs to me, I have signed certified mail receipts from all XXXX credit bureaus and reports stating that they verified this but no proof that this debt is mine. Please help me to get these removed. they also did not mark my account as disputed within the 30 day time frame which is a violation of the law if it is not marked as disputed then they have to remove it. I have talked to all XXXX agencies on the phone and have been hung up on by the out of country reps ( XXXX, XXXX ) and also the American reps in Nevada especially when I ask for an American Supervisor which I feel is very unprofessional. This account is not associated with any of my personal accounts and has no money attached to it, please help me get these removed off of my credit reports. Thanking you in advance for your support. 

XXXX MD XXXX SS # XXXX PH. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX I am attaching this XXXX account they are not reporting this as a retail account and they are also not saying that this was closed by myself not by the credit granter which if effecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent a letter to Equifax letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and Equifax refuses to delete the fraudulent accounts from my credit report stating in a letter they will not remove it. Equifax provided no physical evidence to why they wo n't remove it, according to the Fair Debt Collection Practices Act and Fair Credit Reporting Act they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

Company response to consumer: Closed with explanation