BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Problems with Equifax -- ( 1 ) Unable to lift credit freeze on my account ; ( 2 ) Unable to access my online account at <myEquifax.com> : My credit account is frozen because of a major identity theft problem in the past. However, I needed to temporarily lift the freeze so that XXXX XXXX could run a credit check. I tried initially to do this online but the Equifax website would not accept my user name and password ( which have been recorded on a spreadsheet and have never changed ). After going through a much more tedious phone process, I was given a 10-digit confirmation number and told that my account would be open after 1 hour. However, when the merchant queried my account ( after 1 hour and again after about 20 hours ), they were still unable to complete their inquiry because ( according to their rep. ) the account had been locked. Because it was the weekend, I had to wait 2 days before going through the process again today ( XX/XX/20 ). This morning I reached another phone rep. ( to whom I again provided detailed personal information ). The rep. " verified '' my information and said he was able to unlock my credit information ( confirmation no. XXXX ) but needed to transfer me to another rep. who would assist with unlocking my account. However, the connection was lost during the transfer and I had to call back ( and wait on hold ) again to reach someone who could assist with online account access. I gave that rep the identical identifying information that had just been " verified '' by the prior rep but was told by the online support rep that it couldn't be accepted. I repeatedly offered to provide whatever additional identifying information necessary to restore access to my online Equifax account but was told that wasn't possible and that I needed to send copies of my drivers license and social security card to Equifax. I then requested transfer to a supervisor and, after additional waiting, was connected with XXXX ( ID # XXXX ) who only parroted back the same information. I then requested transfer to a manager and, after additional waiting, was connected with XXXX ( ID # XXXX ) who queried my record, said she was able to access the necessary identifying and account access information that would enable her to restore my online account access. However, after another long phone hold, XXXX came back on the line to tell me that my blocked online account access was actually due to a " technical problem '' that had to be escalated to the Tech Support department. She generated an escalation request ( Case no. XXXX ) and told me that I would receive an email from the tech support department within 48 hours which would include an explanation for the problem and detailed instruction regarding how to reset regain access to my Equifax online account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Medical All the accounts above I was a joint card holder, I need all 3 credit Bureaus to fix the error we are now on month 3 with no resolution. It caused me to loose my score that I was building up and when I addressed the score that is reporting incorrect due to their own error, they told me to work with a credit consultant. So now I have to hire someone to fix their mistakes? Then all my accounts that were closed were suppose to be removed under agreements. They do not want to do a proper research and correct the issue nor my score. This has caused me to be rejected for credit and loans that I need to support my household.

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 2021-10-02
Company: EQUIFAX, INC.
State: MD
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:
Equifax is reporting my name incorrectly ( XXXX " XXXX '' XXXX ) in connection to two XXXX XXXX XXXX accounts on my consumer report. 

Attached you will find a copy of my USA issued passport ID as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Kramer & Frank, P.C.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Kramer and Frank had 2 XXXX XXXX accounts. They failed to communicate with me to settle these accounts. They didn't answer phone calls, emails or calls. XXXX XXXX  did not either. I have been trying to resolve since 2016. This is unprofessional and unethical. Being reported by XXXX XXXX in collections all this time and none of these business will communicate. Very wrong. I demand this be fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 tried to have fraudulent information erased from my XXXX  credit report without any luck and Im not able to dispute information on XXXX  website. 
Bank of America was removed from my XXXX 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 explanation
Consumer complaint received 2020-08-18
Company: EQUIFAX, INC.
State: GA
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 have attempted to resolve this matter from since XX/XX/2020. XXXX XXXX XXXX XXXX XXXX XXXX XXXX has placed an hard inquiry on my credit report that should not be on my report. I have spoken to both Equifax and XXXX XXXX on multiple occasions about this matter. They both have given me the round around, and willfully neglected to follow through their promises to get the matter resolved and get the item deleted from my account. As per requested by Equifax, I have also sent a notarized affidavit that the item was not my item, and they refuse to follow through with said information. I was told by multiple representatives at XXXX XXXX that they will be communicating with Equifax about said matter, however they have delayed and not reported the inaccuracy of the inquiry as of XX/XX/2020. Equifax is willfully closing my disputes and ignoring any written legal documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
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:
On or about XX/XX/XXXX, I contacted the XXXX  credit bureau in writing and I asked XXXX  to ask XXXX ( credit reporting company ) to promptly delete their 2 unauthorized inquiries ( dates : XX/XX/XXXX & XX/XX/XXXX ) from my credit file. 

Unfortunately, and as of this present date, Equifax has recently reported that these 2 unauthorized inquiries are still currently reporting on my Equifax credit file. 

***RECORDS ARE AVAILABLE UPON REQUEST*** NOTE : XXXX ( Nissan Motor Acceptance Corporation )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: State Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Around mid XX/XX/XXXX I starting getting calls from XXXX XXXX since my wireless provider flagged the number as suspected SPAM/Fraud. I refused to answer the number. The calls keep coming daily and multiple times per day. I finally out of curiosity answered the a call later in the month XX/XX/XXXX around XX/XX/XXXX of the month. I asked who they were and why were they calling me. They refused to id themselves and asked for my birthday social security number to id me before they would tell who they were and why they were calling. I told them I would never provide sensitive information that could result in ID theft to unidentified caller id as SPAM suspected Fraud by my wireless provider. They still refused to say who they were and demanded my personal info again. I hung up on them. The calls kept coming and I decided this time to co call back around the end of XXXX hoping to hear a company name or information. None was provided Rep picked up refused to say who they were. Again demanded my personal information before they would provide who they were and why they were calling. On XX/XX/XXXX I got letter dated XX/XX/XXXX from State collections Service Inc with XXXX number listed that was calling me. I proceeded to call and asked why? the couldn't have said I'm with State Collections Service Inc and I'm debt collector attempting to collect a debt? The person said we don't do that until we verify we have the correct person. This is appalling a debt collection company will not at least say who they are. How is that in line with FDCA orr ACA  practices? I settlement the final amount owing to the Hospital and bill is not paid in full. But, I wanted this complaint noted as I don't see how the XXXX gives this company A+ with all the negative complaints. How is anyone raving about debt collection company that calls you for weeks before sending the letter on the debt. In this day and age of rampant ID theft how is it fair practice to call people and not at least saying your company name and your debt collector? Where is that problem you're not discussing the account they're calling on or any other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for citi bank credit cardXXXX " Citi Rewards+ ( SM ) Card '' at XX/XX/2019 and got approved at XX/XX/2019 XXXX Please see the attachment file ), I did not receive that credit card until now, the citi bank kept telling me " Citibank has received returned mail from the Post Office pertaining to your account. " However, I checked my address which is correct and I also received the debit card from citi bank successfully which means there is nothing wrong with my address. I made couple calls to citi bank credit card department, they kept telling me can not locate my account and just hang up on me. It has already been 5 months after I got approved of the application but I still haven't receive the card, I don't know what to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$22000.00}, {$42000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$42000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my 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 2020-10-05
Company: EQUIFAX, INC.
State: MD
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:
The following student loan companies still show me having balanced and I no longer do. 

XXXX dates posted ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These should all be removed. 

XXXX dates posted ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These should all be removed. 

US DEPT of EDXXXX reports on my credit report twice and it should only be once. The report on XX/XX/XXXX Should be removed. 

Student loans will ruin your life forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a loan that was transferred from XXXX XXXX thats true. After I made payments timely it was transferred to another company. On my credit report the XXXX company stated I had late payments which my account was transferred and I was notified by another company 4 months after I had completed my on time payment. I need to see why the XXXX company reported late payments while my account was transferred.

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 2021-02-19
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. I did a dispute and they are saying that it's not me. I certified that I am the one submitting the dispute. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting me from getting a house for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
Trans-Union Credit bureau discloses in my credit as the following ( Debt included in bankruptcy ) I have already sent them a letter from the XXXX XXXX XXXX  to Trans-Union stating that the debt was voluntarily paid in full and not included in the bankruptcy ( which is not allowed in CA ) I am attaching a letter again from the XXXX XXXX XXXX, this time dated XX/XX/2018 stating that the debt was paid in full and if they want to investigate for for any questions, they can contact the Dept 's Default Resolution group to confirm the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM IN THE PROCESS OF PURCHASING A HOME AND WAS PROVIDED A FULL COPY OF MY CREDIT REPORT. AFTER VERIFYING MY REPORT, I NOTICED SEVERAL UNRECOGNIZED NEGATIVE ITEMS THAT ARE PREVENTING ME FROM OBTAINING A MORTGAGE. 

I DID SOME RESEARCH ON THE CFPB WEBSITE AND FOLLOWED THE STEPS TO HAVE THESE ACCOUNTS VALIDATE AND/OR DELETED FROM MY REPORT. FOUR MONTH LATER I FIND MYSELF WITH LITTLE TO NO RESPONSE FROM THE BUREAUS. THEY HAVE NOT RESPONDED TO SEVERAL LETTERS I SENT AND HAVE NOT PROVIDED DOCUMENTATION TO CLARIFY/SUPPORT THESE ACCOUNTS. 

I HAVE PROVIDED ALL THE DOCUMENT NEEDED TO PROCESS MY REQUEST WITH NO SUCCESS. PLEASE FIND THESE DOCUMENT ATTACHED TO MY DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Account Control Technology, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have submitted 3 different disputes with XXXX  regarding my student loans with XXXX. I have also contacted XXXX. My payment history is incorrect I have called and have been placed on hold and hung up. My score went down 82 points in XXXX. Once I updated my account I only received 50 points back. Last week I lost another 52 points on account of student loans. 

I have also disputed account control technology collecting on behalf of XXXX university. The balance has been paid in full but they reduced it to {$300.00}. I reached out to account control technology and was told I have paid it but they were not allowed to send proof of payment. 

After 3 months XXXX  continues to say they update the accounts but have not. No one is willing to help explain why my score is dropping as I have been paying off all of my debt. 

I have also requested proof of a dispute by certified letter on 3 different occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
on XX/XX/2020 spoke with XXXX at newrez mortgage. to refi my current morgtage, after calling for months, and signed paperwork to refi 2.62 % for 15 yrs. this would save me XXXX month. told XXXX i am XXXX yrs. old and not that computer savy, he said not a problem. 
Called about the end of XXXX spoke to XXXX and said have not head or received any e-mails or request for paperwork. XXXX said he would reach out to XXXX called yesterday XX/XX/2020 spoke to XXXX said he would talk to his manager and call me back. no one has called, no XXXX -mails. spoke about uploading documents, i said not good with computers. ok i can fax. Later that day i found out the document upload sites are down or don't work at all. 
I mailed paperwork requested to company on XX/XX/2020 XXXX said did not received any doc. This is XXXX  i am XXXX the extra money would come in handy for medical bills. There practices are against the fair lending act and newrez does not want to lend to people with XXXX act. no top of this they are losing XXXX a month for 12 mo. and 15 years. thank you for your help XXXX XXXX XXXX XXXX phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: EQUIFAX, INC.
State: MI
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 sent letter after letter asking them to verify how they are reporting things on my report. They keep sending letters stating that they verified them and they are accurate. I want something in writing about where they got this information and who that meaning name of person that verified this. By law Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete reporting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allegation of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your submission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE entry. 
Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a challenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports.

Company response to consumer: Closed with explanation