BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone opened up a credit account in my name with XXXX XXXX. I informed the credit bureaus as well as the creditor that this account did not belong to me. They wrote back and said they have a name that matches my name and they verified the account. Im not sure what that means in terms of someone having the same name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Financial Management Solutions, LLC
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: Information belongs to someone else

Complaint:
The credit bureaus are in serious viloations of the FCRA and FDCPA laws.

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 2020-12-24
Company: BANK OF THE WEST
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a checking account with no overdraft protection selected when account was opened and yet Bank of the West charged the account {$70.00}, since " as a courtesy '' they covered 2 items on XX/XX/XXXX, which seems immoral and illegal. 
The opening and closing balances were positive on that day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-24
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: Old information reappears or never goes away

Complaint:
XXXX, XXXX, and Transunion are reporting on my credit report an account with XXXX  XXXX XXXX  XXXX OPENED ON XX/XX/XXXX!!! This account is TEN years six days old and negative information is nine years old. It was never reopened it is erroneous reporting by XXXX XXXX. 

These account is greater than TEN years old as of today XX/XX/XXXX. 

XXXX, XXXX, and Transunion Transunion are reporting this in violation if FCRA and UDAAP by this creditor. 

The reporting must be removed as it exceeds the statute of limitations

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 2017-01-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My loans were originally through XXXX XXXX, and now they are through Navient. I pay an astronomical amount each month. I was told if i entered into this special reduction program, my payments would then drop after a year. After the year ended, I was then told that was incorrect, that what I had been paying was the reduced amount, and they tried to double my payments when I could barely afford the original payment. Now every year I have to beg them to reduce my payments. They try to bully me and my cosigner - who is unable to pay. On multiple occasions they have taken out too many payments and I have to call and beg them for a refund so that I can eat. They also never take the payments out on time which causes overdrafts constantly with my bank. 
Their customer service is rarely helpful, and every time I call I am given different information. I am constantly told i have been misinformed. It is very frustrating and demeaning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: TN
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 reached out to the credit bureaus and have explained to them numerous of times that I am a victim of identity theft. I supposed to have a fraud protection on my account but someone is still trying to use my Information and has gotten credit cards and revolving credit in my name. I never opened a kikoff account on XXXX XXXX or XXXX XXXX, I never opened a self account on XXXX XXXX, I never went to the hospital on XXXX XXXX or XXXX XXXX. I have health insurance that pays for my bills. I also did not authorized these inquires : XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  XXXX  on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
This bureau is plainly in violation of FCRA law Code XXXXProcedures in cases of disputed accuracy. I will challenge their disappointing investigative abilities in this complain and set forth any legal action necessary from this point forward. 

XXXX. # XXXX ... is outdated and past due in terms of deletion. By law items can not surpass the 7 years mark in regards to being on my credit report an this account in plainly in violation of that LAW The problem I am having with this company and their false and illegal repotting is that they have DELETED the ENTIRE payment history after each of my disputes in order to cover their tracks regarding anything and everything i am challenging. I have gone from having a payment history showing from XXXX to having no history of payments and therefore no ability to verify or deny anything that is being argued regarding this incomplete and invalid account. This account, XXXX, is clearly non-verifiable and over due to be deleted. 

Another concern I have is that this account, from XXXX, has been re-aged and made newer to reflect a XXXX date, even though all of my payment history has mysteriously been wiped out. 

This is unacceptable behavior and so very unlawful. Why delete information that I am disputing an then tell me it was verified? I called the number XXXX XXXX XXXX and got no response nor a dial tone. Therefore, I am curious WHO you have contacted to verify this terrible account through and HOW! I have never held an education loan with XXXX Bank, I have FEDERAL LOAN with the government and that is it! My account was transferred when my school violated FDCPA laws against its students and the government took over every students loan. I have never in the last 7 years been involved with any other loan. This is well passed that date an though it has been altered and change NUMEROUS times, I will challenge it until it is removed! It is clearly outdated and unverifiable. I am being lied to by your company and I DO NOT APPRECIATE THIS! No proof, NO descriptions and procedures, as the law CLEARLy requires under FCRA section ( XXXX ) : A Consumer Reporting Agency Shall Provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by no later than 15 days after receiving a request from the consumer for that description. 

THIS ITEM HAS NEVER BEEN PROVIDED TO ME! I have requested proof and validity on this account on numerous occasions. You have not fulfilled your duties to me as a consumer and therefore have no right to keep reporting this account to my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing a complaint because EQUIFAX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I DISPUTED THE XXXX ACCT XXXX as inaccurate/incomplete : that there isno date closed, no last pymt date or amount, no chargeoff date or amt, no date of last activity. 
without those dates I can not proceed against the creditor for usurious charges beyonddefault rates from the date account was closed to further purchases and the subsequent chareoff.the charges are more than double the credit limit " as if it were a payday loan '' but it was just a standard credit card.the investigation results say these were all updated, yet they are blank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Seterus, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In reference to case # XXXX, Seterus made inaccurate statement when it stated that escrow account was open by XXXX Mortgage. It was never open by XXXX. An escrow account requires payment of principal, interest and taxes. I never paid taxes to XXXX Mortgage. Payment records shows that. In fact, even after it is transferred to Seterus, first few months I paid only the principal and interest. Therefore, there was never an escrow account when XXXX transferred mortgage service to Seterus. 
As per loan modification, all the documents signed are null and void, because loan modification never went into force. 
In any case, the original act by Seterus to set up an escrow account caused financial stress resulting in the damage of credit and unable to take advantage of low interest rates, resulting in serious financial losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XX/XX/XXXX I received a XXXX from XXXX, reflecting a cancellation of debt. I paid tax to the IRS for the amount owed. As of XX/XX/XXXX XXXX is still reporting this cancelled debt amount on my credit report as a balance amount past due. XXXX insists that in order for them to report a XXXX 'balance owed ' to the credit bureaus, I will need to pay XXXX the entire cancelled amount. This balance should not be reported to the credit bureaus as an amount past due. The account was written off by XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Income tax lien filed in XXXX in the XXXX XXXX Court. I have lived in State of XXXX since XXXX, and this liens were filed in XXXX for income taxes owed for a XXXX taxpayer with similar name. If I am not living there in that period how can I owe income taxes in State where I am not living or working or having any investments. Finally, my social security if different from that taxpayer. 


Consent to publish the

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
NE CRDT COL Company violating the law. They never mail me a letter giving me a chance to disputes the claim { XXXX REPORT }. This is a Zombie debt .They did the same thing on my XXXX report, they could n't validated debt. The law is clear they supposed to send me a letter first ( XXXX ) before posting it on my report. CFPB need to stop company illegal debt this illegal debt practicing, They do n't have account number associate with account {$67.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Hello, I am XXXX XXXX XXXX. My household income is solely based off SOCIAL SECURITY for me and my XXXX children. I am XXXX since XX/XX/XXXX. On XX/XX/XXXXXXXX last known use of all and any type of Internet or Wi-Fi usage for XXXX XXXX. I was XXXX on XXXX/XXXX/XXXX in the county of XXXX. At my residence remained XXXX XXXX XXXX along with my XXXX children. Bank Accounts from me both checking and saving along with XXXX son his Bank Accounts checking and savings were being misuse with out my consent or agree to the transactions occurring on and after XXXX/XXXX/XXXX. I am attempting to gather all and every document needed to prosecute this person/people who still continue to misuse my personal information at will.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The following shows up on my equifax credit report. 

( Preferred Customer Account ) Account Number : XXXX Account shows open with a balance of XXXX. This was included in my chapter XXXX bankruptcy and was discharged on XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX we became unemployed. We initiated contact with Wells Fargo in XXXX of XXXX to let them know about our situation and asked for any options to prevent us from going into foreclosure. 
Wells Fargo offered us a forbearance program for both first and second XXXX XXXX mortgage loans. 
On XXXX XXXX, XXXX my payments were twenty-five dollars each for both first and second mortgages. 
I 'm contacting you because XXXX XXXX from Wells Fargo was my Point of Contact in XXXX, XXXX. This was the last point of contact I had spoken with. Since then we have had XXXX other points of contact, neither of which have responded to our phone calls, or faxes. We are hoping you can help us get answers to our questions regarding our situation. 
XXXX XXXX told me my first and second mortgages were being combined and that she was handing me off to a new point of contact as of XXXX XXXX. I was unable to reach our new point of contact on XXXX XXXX, XXXX to make my payment. Therefore, my payment was made with a call center employee. 
Another attempt, on XXXX XXXX, XXXX was made for information regarding my second mortgage. Call center employee said payments were being taken for a forbearance program that my mortgage was accepted into, but that they were not applying them due to a lack of signature. I indicated that I would look for paperwork for her to verify, and she said it did n't matter. Since then the Presidents office has contact us about getting this situation amended. To this date nothing has occurred. 
In XXXX of XXXX a modification for only the first mortgage was included and no programs were applied to our unemployment or underwater mortgage situations that would give us financial relief. We were told that there were programs available for these types of situations. However, they extended my mortgage for an additional 40 years. 
Additionally, We noticed in this XXXX XXXX letter that {$800.00} was added and we have no explanation as to where this amount is coming from. 
XXXX we have faxed over questions regarding this mortgage modification as we were instructed to do per Wells Fargo. We have included a copy of the modification agreement and forbearance paper work. 
See attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
This is a dispute to case # XXXX and XXXX. Still no answers, and it 's very apparent they are not going to answer and are liars. 
This company preys on minority 's and there continued targeting of them should be labeled as a hate crime. They should not be allowed to execute mortgages or anything else. I have paid in advance, excessive mortgage insurance premium to HUD, with no justification of the amount. A year worth of PMI insurance. Paying excessive property taxes and PMI insurance to drain my escrow account which causes shortages in escrow account. Being retaliated against for exposing the fraud. This company has no respect for the law or the hard working citizens, I hope this case helps others and remember to FIGHT cause the truth will always stand. Just follow the paper work. I did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: WELLS FARGO & COMPANY
State: NM
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
In an understanding for 'Formal Disputes ' of Bank Transcations with Merchants, only certain Banks file Formal Disputes where as, in the Past if ( you ) did not. Contact the Bank within Days or Hours in receiving a Letter the Bank would impose Excessive Fines and Fees on Top of, Additional Fines and Fees.

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 2016-10-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
in the last 60 days i have requested from EQuifax credit reporting agency a physical verification of consumer documents in their in their files of a CH XXXX Dismissed Bankruptcy that has been placed on my credit report i have ask them for a physical verification of how the this information was obtain well it be from third party source, i have not receive this information as of yet, this dispute falls under the fair credit reporting act section ( 609 ) i have a right to this information since it is on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had an account that had gone into collections for the amount of XXXX with XXXX XXXX through XXXX different collection agencies. XXXX that had opened XX/XX/XXXX through CBA with no closing date yet last reported on XXXX XXXX, 2015. 
I then had another through XXXX that was opened XX/XX/XXXX with no closing date that was last reported on XX/XX/XXXX. 
This account was directly paid through XXXX XXXX on XX/XX/XXXX in full. It shows on the credit report through XXXX and Equifax that the balance through both companies was paid to collection with a {$0.00} balance, yet they are still on my credit report affecting my credit score. Due to the fact that both have given specific dates that this was reported and paid in full I believe they should both come off of my credit report helping to restore my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
Pressler & Pressler sue me for an account I do n't own. I went to my local court to retrieve information about this account only to find out they where sending information to the wrong address to get a judgment. When the judgment was awarded to them they mysteriously had my correct address and employment. As of today estimated {$2000.00} has been garnish from my wagers. The company name on the report does not exist as do the account number. Note garnishment was suppose to occur in XX/XX/XXXX but when I informed them I obtain legal counsel it was put on hold but my wages was garnish in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
It seems every other month there is issues with all XXXX credit agencies. My score now has dropped in just the past year. XXXX points. The way I found out is a chapter XXXX I filed in XXXX and XXXX XXXX XXXX XXXX was part of the chapter XXXX I filed back then. The case ended in XXXX XXXX, XXXX and the XXXX were reporting I had a balance. So I sent them all the report from the court that it was paid and closed to take it off. Now just in the past year I found ( XXXX ) HARD Inquires which I never applied for anything.. ( XXXX ) - from XXXX XXXX XXXX ( XXXX ) - from XXXX, XXXX XXXX ) -from XXXX XXXX and XXXX card, XXXX XXXX XXXX XXXX XXXX NCS, Factual data/XXXX. I contacted them all and they say they ca n't take them off with out a letter from each Inquire. I do n't know what to do it ruined my credit I am working hard to restore. I am sure it is Fraud!! What can I do to get this taken off all my reports.XXXX points went down in 1 year.. Please I hope you can help do n't know what else to do. Like I said I tried contacting all XXXX agencies and put a fraud alert on my reports for 5 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 2017-01-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed a claim against XXXX XXXX XXXX , XXXX for their blatant violations and fraudulent claims of debt owed. I have supporting documentation to support my disputes ; however, they refuse to remove the accounts from my credit report on ( XXXX ) of the the ( XXXX ) credit reporting agencies. I have retained legal representation and will continue to fight this injustice of commercial business practices. Being charged XXXX {$4000.00} from an apartment complex who has transitioned ownership three times in the last 24 months and told that there are no " written records '' of my decision to vacate upon lease expiration is madness ... how long can commercial muti-family management companies be allowed to do this??

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