BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In XXXX of last year, I was provided with a copy of my credit reports from my bank XXXX after applying for a loan for my business. The loan officer informed me that my rate was a little higher than expected because there were collections reporting on my credit report. I advised her that this was an error because I take great care of ensuring that all of my bills are paid as soon as I receive my statements and every bill is always paid early. She advised me to contact the credit bureaus, Equifax, XXXX, and XXXX to dispute the accuracy of what they were reporting and I did that in XXXX and XX/XX/XXXX. After I notified them of their mistake in reporting items on my file that were not mine, they removed those items from my credit report. I recently applied for a loan again for my business from XXXX and it appears that they are reporting collection items on my credit file that does not belong to me again. I am tired of these credit bureaus reporting inaccurate collection items on my file. I want these items removed from my credit report because it is costing me in having a much higher interest rate than I should have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04
Company: EQUIFAX, INC.
State: SC
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this 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 XXXX 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 n 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 XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
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: Was not notified of investigation status or results

Complaint:
I have sent several letters to the reporting agency with no prevail. When i sent these letters I will attach the letters I have sent. 

After the letters was sent I have not received an response from either bureau. 

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, For the following accounts : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I simply asked for these accounts to be verified as mines. 

This is over the course of 4-6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
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:
Please pull the phone records for a conversation that took place approximately   XXXX   XXXX   XXXX   between myself and a   XXXX    customer service agent. I had received a statement saying I owed a very high payment. My understanding was you do n't have to pay until 6 months after graduation. So I called in because I had graduated only 3 months prior. The representative told me that I was correct and that   XXXX   starts sending statements nearly right away and I could ignore them until my 6 months grace period was up. After following the directions given to me by the  XXXX  customer service agent on approximately   XXXX   XXXX   XXXX    I w aited another 3 months in " grace period '' and it goes by and all of the sudden   XXXX   XXXX    notifies me that approximately 45 late payments were posted to my credit report. 1 for every sub-loan account on record with  XXXX , and for every month, for 3 months in a row totaling to approximately 45 late payments. Even if it was true and I was late I would 've been late paying one payment per month not one separately for every single sub-loan account with  XXXX ! 45 late payments is malicious and has indescribably made my life a living  XXXX . I 've been rejected to buy a house, I ca n't get a decent rate on my car loan, and basically my credit score has been brought down to the 590 's solely due to   XXXX   XXXX   customer service giving me misinformation and their false reporting of every single sub account as separate payments when in reality you only make 1 payment not 15 separate payments to separate sub-accounts! I have submitted disputes directly with  XXXX  3 times detailing my story and never once have I been able to state my case to a human. I send it in and the system rejects it and then I have appealed it every time as well and the appeals have been rejected too. I have called in and talked to customer service representatives who have confirmed that this has been a problem with many others and they told me to keep submitting more disputes ; which I have to no avail. I have also hired   XXXX   XXXX   which I have been paying {$100.00} a month for, for over 2 years and they have filed many, many disputes with all   XXXX    reporting agencies against these  XXXX  false reporting s. All of this time, money, and energy has been to no avail. This is ruining my life. I graduated and I got a good career and I have had my   XXXX    student loans set to Autopay ( never missed or late ever ) and yet I am be rejected for a home mortgage and can not move forward in life. Please help me consumer financial protection bureau! Please do n't let them just ruin my life!

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 2022-09-14
Company: EQUIFAX, INC.
State: MD
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:
I, XXXX XXXX am a natural person, consumer in commerce and I am writing this complaint to address several issues that I've encountered with XXXX XXXX XXXX XXXX. I have been misled by XXXX XXXX XXXX XXXX AND Agents thereof to think that I have received benefit for the XXXX XXXX XXXX XXXX ending in XXXX and the XXXX XXXX ending in XXXX. XXXX XXXX XXXX XXXX has failed to disclose the following : I have the right to opt out of disclosure of my nonpublic personal information being disclosed to non affiliated third parties, I extended value to the instrument with no consideration, XXXX XXXX XXXX XXXX received consideration and unjust enrichment from my open end consumer credit plan as defined in 15 US Code 1602 ( j ). XXXX XXXX XXXX XXXX has shared adverse information on my consumer report that has harmed my financial reputation, disclosed false and misleading information concerning the private consumer credit transactions, XXXX XXXX XXXX XXXX has continued to take adverse action against me even after I've sent notices to remove all adverse items from my consumer reports. Had I received full disclosure, I would have not entered into any agreement with XXXX XXXX XXXX XXXX. I did NOT knowingly and willingly agree to an unconscionable agreement. XXXX XXXX XXXX XXXX has conspired and restrained trade and commerce which is ILLEGAL. XXXX XXXX XXXX XXXX has closed and charged off both of my credit cards which is discrimination and an adverse action. XXXX XXXX XXXX XXXX has sent deceptive billing statements requesting payments knowing that one can not pay on a credit balance. XXXX XXXX XXXX XXXX has used unfair and deceptive trade practices and I am demanding removal of all adverse items on my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX/ {$430.00} / XX/XX/XXXX XXXX XXXX/ {$0.00} / XX/XX/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 2017-06-23
Company: Conn's, 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: Information belongs to someone else

Complaint:
On numerous occasions I have called Conns and the credit bureaus and both of them will not comply. I am not liable for this debt. I do not have a signed contract for this debt and I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: MI
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:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries and Accounts have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 
15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Upgrade, Inc.
State: WY
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:
UPGRADE INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX/ XXXX  is showing that XXXX and XXXX of 2020 they where missed/late payments, this is inaccurate and should show 100 % on time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Placed initial fraud alert with Experian. Received letter from Experian with phone number to call to get complimentary credit report. Phone number has automated message with no option for complimentary report, only option is to purchase for {$12.00}. Tried Experian website to get fraud alert related complimentary credit report -- no option there either. All phone numbers I could find to Experian had the same automated message, no option to get credit report except pay {$12.00}. I thought placing fraud alert includes free copy of credit report?

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 2022-09-14
Company: LEXISNEXIS
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company is openly pyramiding late fees. I am attaching a printout of their most recent email to me. I would have appended this to the Complaint I have already filed but was unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have never received any type information about this debt that i owe, never received nothing in writing, i never received anything by phone about this XXXX debt. i have paid XXXX to this agency and that was the final payment, however now on my credit report is coming back that i owe this XXXX this is wrong, this is inaccurate, this is a error, this is a mistake, and this is against the law to not accurate report on someone's credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In or around XX/XX/2020 I entered a 3 month forbearance plan with SPS mortgage servicing company. 
I intended to modify or refinance the high interest loan as soon as the forbearance period ended. 

As a standard most lenders require 3 consecutive on-time payments for a borrower to qualify for refinance products. The only time that SPS allowed me to make installment payments, they notified me later in the month of the month that they would accept payment, then prevented me from making a 3rd payment. 

SPS has drawn out this process ssing the guise of missing " Required Information '' SPS has systemically prevented me from making more than 2 consecutive payments for the past ( nearly ) 2 years to prevent me from refinancing or using any other exit strategies. 

Effectively preventing me from capitalizing on historically low interest rates as well as covid-era governmental mortgage assistance programs. 

In holding me XXXX they have effectively damaged my financial position by keeping me locked into what has evolved into what closely resembles an interest only loan while swindling a great deal of the equity out of my homestead. 

My mother 's mortgage is also serviced by this company and I've learned that she owes more money on her mortgage than she initially borrowed 24 years later. 

Leading me to believe there exists countless of other borrowers in the same position, with the same grievance against SPS. 

Thank you for taking the time to review this and I look forward to hearing from you soon

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a cardholder with Synchrony Bank and its predecessors since  XXXX . I have been making multiple credit card payments each month to pay off my balance - these payments were made online and the funds were from two verified checking accounts that I have - one account I have had for about 17 years and the other account for about 8 years. In my 35 years of banking, I have never had a credit card payment returned. Before  XXXX , as soon as I made an online payment, the funds were immediately available for use. However, since  XXXX , Synchrony Bank does not make the funds from my payment available - they now hold the payment for 7 days even though nothing has changed with regard to how I make payments. I made a payment on  XX/XX/XXXX  and had to call the Bank in order to get the payment released - the Supervisor I spoke with told me that I could call at any time to get my payment posted to available funds because of the length of time with Synchrony Bank and never having a payment returned. I made another payment today and was told by badge #  XX/XX/XXXX  that the payment would not be available for 7 days. Please help because Synchrony Bank is holding my monies when that is not how it has been for 20 years.

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 2022-09-14
Company: EdFinancial Services
State: CA
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:
On Wednesday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that began XX/XX/XXXX. I went ahead and asked them to do that but was flabbergasted when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid {$1700.00} in payments. 
It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 
They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX, XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX 3. XXXX-XXXX  on XX/XX/XXXX 4. XXXX on XX/XX/XXXX 5. XXXX/XXXX  on XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX 7. XXXX/XXXX on XX/XX/XXXX THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX bankruptcy discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

XXXX. Chapter XXXX Bankruptcy-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.

Company response to consumer: Closed with explanation