BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax did their investigation and came back with updated informtion. Well i called the creditors which i will and they all came back and said they have no record on file, how did Equifax investigate without calling the creditors to see if this was my accounts. Also in 2013 i was a victimn of ID theft which Equifax could have done a better job at investigating the inaccurate information becasue its still on my file. 
1.XXXX spoke with XXXX @ XXXX Account # XXXX ( no record on fiel ) 2.XXXX spoke with XXXX Employee i.d # XXXX XXXX XXXX account # XXXX ( no record on file ) XXXX this is the same creditor so its being reported twice. 
3.XXXX spoke with XXXX @ XXXX Account # XXXX ( no record on file ) 4.XXXX Account # XXXX. I have enclosed a letter from them saying for you all to delate this off my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX XXXX Accounts : XXXX, XXXX, XXXX, XXXX This collection agency took the original creditor XXXX Acct XXXX total {$1100.00} and reported XXXX separate collection record on my credit report resulting in Acct 's XXXX {$630.00} & XXXX {$490.00} Original creditor XXXX Acct XXXX total {$1500.00} and reported XXXX additional collection records on my credit report in Acct 's XXXX & XXXX In summary XXXX took XXXX original creditor accounts a generated a total of XXXX collection accounts on my credit report. 
I am requesting that all collection records from XXXX be deleted and prevented from reporting in the future to my credit. 

I feel that this information is not being reported correctly ; which is unfair and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
SETERUS GROUP IS GUILTY OF LOAN FRAUD, LOAN SERVICE FRAUD, LOAN MODIFICATION FRAUD AND ILLEGALLY CLAIMING TO BE THE FEDERAL GOVERNMENT. THEY ARE ACTIVELY ENGAGED IN DECEPTION AND THEY ACTIVELY WITHOLD INFORMATION FROM CUSTOMERS. 

WE HAVE HAD A MORTGAGE NIGHTMARE DEALING WITH THIS XXXX MORTGAGE FRAUD THAT THEY ASSUMED. 

CUSTOMER SERVICE HAS BEEN XXXX. EVERY EMPLOYEE FROM THE SUPERVISOR DOWN LIES TO THE CLIENTS ABOUT WHO OWNS THE MORTGAGE. 

THIS " : WE ARE FANNIE MAE '' SCRIPT IS COMMON IN THE MORTGAGE INDUSTRY. 

THEY ARE ALSO ENGAGED IN LOAN MODIFICATION FRAUD, PRETENDING TO HELP WHILE INTENTIONALLY BEING UNRESPONSIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a withdrawn Federal Tax Lien still showing on my report that was withdrawn in XXXX 2016. On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the IRS release form XXXX that has been stamped and signed by the County Courts. I have attached a copy of this form with all court seals and sign off. Equifax continues to improperly report the liens and refuses to recognize the withdrawal which is against the law. The other CRAs ( XXXX and XXXX ) removed the liens from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
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:
There are seven student loans that don't belong to me I have not applied or signed for these loans I have not been in school for years and years I have no idea who applied or ruined my credit I need these off my account and credit report asap. 
Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$6300.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$6500.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$13000.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$20000.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$6100.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$6000.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$29000.00}

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 2016-06-21
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is in reference to complaint number XXXX company never responded by XXXX/XXXX/16. Long story short I was denied for a loan modification and I accepted this fact. I was informed by PNC that I could submit for a short sale. I am currently in active review for a short sale however, the short sale specialist is stating that the sale date will not be postponed even though I am in active review for short sale. I do not understand how this company is giving me any options to foreclosure, I asked the specialist just yesterday what my options to foreclosure are and she said " nothing ''. Please do not allow this company to continue to treat american citizens like they are trash and have no value. I am trying to do the right thing, submit for mod, then that was denied, so now I am trying to do a short sale so I do not have a foreclosure on my record. They are not willing to help. In addition, they NEVER responded to the previous CFPB complaint, this shows you how ethical they are.

Company response to consumer: Closed
Consumer complaint received 2016-03-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Hi, I 've been providing instructions to Navient about how I want overpayments that I 've been sending applied but they have not been honoring my requests. I recently downloaded and submitted the form from the CFPB article " Stop Getting Sidetracked by your Student Loan Servicer '' and the only response I received was a form letter telling me how Navient applies overpayments ( the only sentence in the letter that even seems to match my request to have overpayments applied first to higher interest loans, then to loans with lowest balance, etc seems to be " Once all loans are current, the payment will go to each loan in the billing group, prorated according to its monthly payment amount, or a lesser amount if some of the the monthly payment amount has previously been paid '' ). 

I would really like to be able to pay off my highest interest rate loan first, but Navient does not seem to allow this, and does not even seem to be responding clearly to my request. 

My account is in good standing ( loans from XX/XX/XXXX-XX/XX/XXXX, and I have never had a late payment ). I have XXXX FFELP loans and XXXX PLUS loan, with interest rates ranging from 5.8 % to 8.4 %. The loans were taken out from XXXX ( which had much better customer service ) and sadly were purchased by Navient a number of years ago ; had I known this would happen I would have chosen a different provider at the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Opportunity Financial, LLC
State: UT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I 've had a loan with Opp Loans ( Opportunity Financial ) for over two years, and had always made my payments on time, they raised my credit line from {$1600.00} to {$2200.00} because of my record. 

In XXXX 2016 I became unemployed, at first they worked with me for what I could afford, then they pressured me to try to make payments I could n't afford ( in XXXX of 2016 ). I tried to keep up, but ultimately I could n't any longer. 

Finally in XXXX of 2016, the collections manager ( XXXX ) said to me to log into the website and to make weekly payments of what I could afford, so there 's activity. He said as long as I made these weekly payments, no interest would accrue, I 've done this for 3 months now. 

I had a payment due XXXX XXXX, I forgot to make it, so I made it one day later on XXXX XXXX, I 've made another one today, XXXX XXXX. 

It seems their system does n't recognize my payments, as they added {$230.00} of 'interest ' to my balance, and send me threatening emails and texts every other day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
I received a prescreened credit card offer from XXXX XXXX for which I am not eligible. Their offer said to call XXXX to stop receiving prescreened offers so I called the number, which represents all XXXX credit bureaus, and the automated system asked for inappropriate information such as social security number, date of birth, home phone number, etc. Consumers are continuously warned not to give out these identifiers because of privacy and identity theft concerns so I hung up. Why are credit card companies asking for this information just to opt out of a prescreened offer? A better way is to change the system to an opt in system so that consumers are not burdened with having to opt out of the numerous sales offers they receive. My complaint is that credit card companies should not be allowed to ask for those private personal identifiers that are used for identity theft. This practice must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
i have several accounts that are over 7 years, I have sent letters to XXXX and Equifax and I have not once received any action notice and XXXX says I 'm deceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Good day! 

I would like to complain about my paypal account that has been put on hold last XX/XX/2021. According to them I am not complying with the documents to submit for my proof of identity. But the truth is I've been doing and trying to upload it on the system since the time I received an email from them regarding compliance. 

I told them that there has been an error message whenever I tried to upload my document. I've been trying to tell them that there is an error message and been asking to get help from them. They just keep on giving me instruction on how to upload the file. It is very easy to follow but the thing is there is the error message that they should look into my account. 

I am using paypal for XXXX  XXXX  and I really need it to run XXXX  XXXX. Hoping to get help or at least they give attention to my complain. 

Thank you very much. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
PNC had an account opening bonus for a checking account. I completed all the requirements for the bonus but the bonus was never paid. This is a UDAP violation. When contacted about the bonus, PNC refused to honor the bonus as stated in the advertisement and even failed to meet their own timeframe for responding to customer service requests.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX has frozen all of my accounts and would like to perform a financial review, however they wo n't release what caused the financial review and in general seem to be very secretive on the process. They are asking to review tax forms released to XXXX through IRS form XXXX, however they do not state how the information will be used once obtained or what information will be used once obtained. XXXX XXXX is also basically forcing this review to occur - if you do n't comply then they blacklist you which could lead to the loss of accounts at all other financial institutions. I think the customer should have a choice, and if you choose not to release all your financial information to XXXX XXXX ( which is very nosy of them, considering they wo n't even tell you why! ), then it should n't affect any relationship besides XXXX XXXX. 

Tax forms are to be released to - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX Here are my questions I would like XXXX or XXXX XXXX to answer - What is collected by XXXX and XXXX XXXX and how do I obtain a copy? 
How will the information be used by XXXX XXXX XXXX? 
What information does XXXX share with XXXX XXXX? 
What information does XXXX share with other third parties and how do I limit this sharing? 
What information does XXXX XXXX share with other third parties and how do I limit this sharing? 
How long does XXXX and XXXX XXXX store the information that is collected? How is it stored? 
Does the information collected get merged with my XXXX credit report in any way? If so, what information gets incorporated with the credit report and how long does it remain on the credit report? 
If the information gets stored or merged with my credit report, what happens after my taxes are filed for XXXX since I received a raise in XXXX, which means reported income in XXXX will be higher than the income stated on my XXXX tax return?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
As two of the primary methods for consumers to correct errors to their credit files so that they can conduct the business required of them in order to function in this country, Equifax and XXXX are committed to exacerbating the difficulties involved for consumers in doing so as much as possible in the name of profit. Equifax has a procedure set in place wherein a request has to be submitted through AnnualCreditReport.com to obtain a credit report from the merchant in order for consumers to submit a dispute with Equifax of the information contained in their credit files. If the credit report expires after 10 minutes of inactivity, it is impossible for them to either to use it to make any further updates to their credit files or to request another credit report online. Furthermore, the " WebMail '' form Equifax offers for consumers to make requests to update their credit files will not allow for the full 100 word Personal Statement, as mandated by Federal Law. Meanwhile, XXXX similarly has a feature in place to make it all but impossible for consumers to add a Personal Statement to their credit files online, as I have noticed that the merchant 's webpage for uploading documents ( XXXX ) will only recognize the Tagged Image File ( " .TIFF '' ) and Portable Document ( " .PDF '' ) Formats, but will not permit the uploading of documents which have been converted to the latter format from editable formats such as " .txt '', " .odt '' and " .doc '', and that the only way for consumers to add a Personal Statement to their credit files with the merchant online is to type it out in the space they are required to use for describing or commenting on the files being uploaded ( however, at least one file must be uploaded successfully in order to submit a Personal Statement in this manner ). 

With the economy still undergoing a fragile recovery from the turmoil of the Great Recession, it is unconscionable that Equifax and XXXX would jeopardize that recovery in this manner by exploiting the normal difficulties involved in functioning in a recovering economy by making it is as difficult as possible for consumers to update their credit files in the name of profit. It is particularly disconcerting that both merchants focus these efforts specifically on making it is difficult as possible for consumers to add the Federally mandated Personal Statement of 100 words or less to their credit files, as this would tend to suggest that these difficulties represent collusion against consumers on behalf of businesses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I contacted Equifax recently to dispute a trade line entry in the credit report Equifax compiled in my name. In the dispute I indicated that XXXX XXXX billed me a fee ( note : at termination of the service ) and has failed to provide the details of the charges in spite of repeated written and verbal requests for the details. Equifax indicated that the dispute would be investigated and a response provided within 30 days. Equifax closed the investigation without addressing the substance of the dispute ; rather Equifax performed a superficial inquiry of the original report by XXXX and ignored the context. As disturbing as this is, even more problematic is the fact that Equifax allowed XXXX to submit this one-time entry of collection status in spite of a 10+ year solid, on-time payment history ( which XXXX did not report ) ; Equifax facilitating this coercive behavior of XXXX in attempting to collect an unsubstantiated debt. Equifax has also failed to provide the details of its " investigation '' in spite of my request. It seems unfathomable that a company holds so much power to impact a consumer 's financial health and takes such a reckless approach to a request to have the party that is filing the negative report prove the substance of its report. Equifax 's recommendation to solve the issue - contact XXXX. If they had responded to my original request for the details of the charge, I would n't be here.. .Reckless!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Better Mortgage, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Sir or Mam I would like to file a complaint against Better Mortgage. ( www.Better.com ) The process of refinancing with them was difficult and in the end was denied due to discrimination against my industry. I work as a XXXX for a XXXX XXXX and they are discriminating due to the COVID pandemic against this industry. The process was filled with agents that wouldnt respond or communicate in a timely manner. They used agents on the west coast to relay messages to east coast underwriters and lost days in the process. They would ask for items weeks later that I had already provided. Each day they would create additional documents needed to continue, delaying and piecemealing the process. I provided all information requested in a timely manner and in the end my refinance was denied. I have excellent credit history ( +800 ) and verified employment income that well exceeds the amount required to qualify for the loan. They created reasons and loopholes to avoid completing the transaction due to the industry Im in and the COVID pandemic. They created unrealistic, insulting, and borderline illegal request of my employer for verification. They added these request to the 1005/FNMA form item 20. I rate locked at a low point and rates have since increased. They credited me over {$2500.00} in lender credits during the process because of their failures and problems along the way. They verbally told me the reason for denial and I requested an official letter specially stating the reason. When it arrived it was for a completely different reason than I had been told verbally. The combination of them losing money on the refinance and the industry Im in is why they denied the loan. Horrible experience that is filled with problems and discrimination. This company should not be allowed to operate like this. Additional documentation is available upon request and contains large amounts of data.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have the same released CA state tax lien reporting on my Equifax and XXXX reports twice. The tax lien was filed in XXXX different counties, apparently, the one I reside in and the county of the XXXX, so it is showing up as XXXX separate liens. Which obviously creates XXXX separate public records on my reports. XXXX was the only one that removed XXXX of them, while the other XXXX just sent back a standard letter saying they were both reporting correctly. I do n't know how to send proof that it 's the same XXXX, although you can see that they were both filed and released the same day and the dollar amount is the same. When I contacted the state of CA, they confirmed that there was just XXXX lien and to ask the credit bureaus to remove it, they could do nothing on their end. The tax lien to begin with was part of our bankruptcy discharge, and it was discharged because of the nature of the tax, but CA state tax board refused to acknowledge it, so I had to just pay it. I have more than once disputed the tax liens, the case number I provided was just XXXX that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
In the last copy of my credit report from Equifax ( Confirmation # XXXX, dated XXXX XXXX, XXXX ), Equifax continues to falsify my identity while hiding and protecting the source of the false birthdate it entered into my file. 

Throughout XXXX, and earlier, I filed numerous CFPB complaints against Equifax 's wanton, deliberate falsification of my identity, to no avail. Sometime in the last year or two, it changed my birthdate in its credit file for me and refuses to correct it, while it will not divulge why it inserted the false birthdate into my file or what the source of it is. 

I have no way, short of suing it, to protect myself against Equifax 's active and malicious falsification of my identity and its persistent collusion with traffickers in false information that threatens my identity, all so that they can profit illegally from my private, personal information while causing me great harm. I should not be put in the position of having to hire an attorney to protect myself from this despicable company and its undeterred, perpetual injuries.

Company response to consumer: Closed with explanation