BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-19
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My social security number was stolen in late XXXX / early XXXX of 2015. I filed a police report immediately after being notified by a credit monitoring service ( XXXX XXXX XXXX ). Of the XXXX credit reporting agencies, only Equifax continues to claim the inquiries are " factual ''. XXXX and XXXX do not reflect the fraudulent inquiries. I filed a fraud report and even faxed in a follow-up document to Equifax , listing the fradulent inquiries. I will again contact all of the companies that ran inquiries with my social security number and ask them to report to Equifax the fact that these were not performed by me. I believe Equifax should be investigated over similar matters like this. 

Recently, I list these inquires as fraudulent on the Equifax dispute website. Equifax quickly respond by annotating the inquiries are " factual ''. The identify theft happened over a year ago, and these inquiries remain on my Equifax credit report. Please look into Equifax 's business practices with regards to closing investigations as " factual '', when they clearly are not. Of the XXXX credit bureaus, I do not believe they are adequately investigating consumer-requested corrections to reports. If they had, it would be obvious that these inquiries were not made by me. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Advertising and marketing

Complaint:
I opened a credit card with Bank of America this summer that offered a {$100.00} bonus if you made {$500.00} in purchases within the first 90 days of opening. They are now saying that I do not qualify because the purchases were not made until after 90 days. The problem is that I did not receive and activate card until XXXX XXXX, 2015 and by XXXX XXXX, 2015 the {$500.00} requirement was met. However, they are saying the card was opened earlier ( ie they approved account in XXXX even though I did not receive and activate card until several weeks later ). I think this is a bogus promotion and the 90 days should n't start until the card is received and activated. I think it is unfair and deceptive as a consumer has no control over how long it takes to receive the card once it is approved. I think that Bank of America owes me the {$100.00} bonus as I met the terms of the promotion in good faith.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have mailed to them letters explaining my position on student loans ; several attempts with proof from the school financial aid department I 've attended. I have a zero balance! I 've shown this to them and the loan holder and servicer. They will not remove the information from my credit report. Initially there were XXXX student loans on my report, just recently they removed them after my most recent attempt to ask them to remove all of them. They will not remove XXXX of them. They tell me to contact US Dept of Ed, but they only want money from me. They will not accept that it is identity theft. Also, they do not contact me after I contact them. It is so frustrating ; I have medical bills on my report that do n't belong there either. But they will not do anything, but extend the time on the items, so that they will remain on my credit report ; it is so unfair. I am a student and I ca n't get financial aid because of this. They have conflicting information, and they 've all ignored the mistakes they 've made. This is extremely damaging to my life. I gave them information as proof and the truth of the matter. A contact name at the Institution XXXX where I once attended as a student before. I do not have any student loan debt. 
Please help me correct these issues with them, by getting them to remove the student loan fraud completely without it returning. 
Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
TransUnion failed and refused to update current personal information er request. I have submitted a current bill and the information needed.

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 2015-11-19
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have had several issues in the past year with Equifax. I have no issues getting credit information thru XXXX or XXXX. Equifax claims there is no credit information tied to my name, address or social security number. I contacted my bank whom I have had several auto loans thru and they stated they are sending information to all XXXX bureaus every 30 days. I contacted Equifax and they tried throwing everything in my court saying I needed to prove who I am by sending copies of my drivers license and social security card via fax. How is it that XXXX of the XXXX bureaus have no issue with my identity and reporting from multiple lenders yet according to Equifax I do n't exist? Honestly, I am extremely uncomfortable about having to prove to Equifax who I am when I have already done so with all the lenders whom I have accounts with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to 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. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX U S DEPT OF ED/XXXX Account # XXXX Please resolve this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these inquiries. being that they have gone past the allotted days and can not verify these inquiries, under Section 611 ( 5 ) ( A ) of the FCRA. they are requested to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possibly, Thank You Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: National Budget Planners of South Florida, Inc
State: MN
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I was contacted by National Budget Planners and they told me that they could help me re-consolidate and manager my loan repayments for me so they would be affordable based on my income. I was told I would qualify for the pay as you earn program and my payments would be {$39.00} a month which was the charge they had for their services and my monthly payments would be {$0.00}. I also paid an up front charge of about {$490.00} which was broken into three payments. This all happened on XXXX/XXXX/2015. My loans were consolidated by my monthly payments were {$250.00} dollars and National Budget Planners were not helping me with the process. I called them over 4 times in a month period to try and have the problem resolved which has yet to happen. My account was XXXX days delinquent so I called XXXX XXXX to figure out what could be done. The number they gave me were a lot different that National Budget Planners and there was no monthly or up front chargers for me to take care of my loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-22
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
i did not receive a right to dispute letter from them within 5 days of beginning collection NOR have I received evidence from them that this debt is in fact mine. I have asked them repeatedly for over a year! This is obviously how they treat consumers and their rights. I have been asking this collection agency since XXXX/XXXX/2014 to validate the debt they report on my credit report and they refuse to answer while they continue to verify and report on my credit report. I have tried to look them up on the licensing board but I can not even find out if they are licensed in this State. 
I 've asked them simple questions which they do n't answer any of them. They obviously do n't care about following consumer laws. 
They are damaging me financially. They are the only collection on my credit reports and they are stopping me from getting credit that I need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello, In regards to the XXXX report of : {$54.00} that is reporting as a closed debt. This deoes not belong to me and should be removed form my CREDIT REPORT immediately. I am sick and tired of Equifax reporting inaccurate information under my name and social security number. I went thru XXXX years of having a gawd XXXX eviction reported which was just removed after numerous attempts stating it was fraudulenty and not belonging to me. You people have ruined my financial life. Azz wipes! 
You people are pathetic and I hope something really bad happens to you and your business ... REMOVE THE RECORD NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XX/XX/XXXX I did a move out inspection with XXXX XXXX the property XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. On XX/XX/XXXX I received certified mail from XXXX XXXX which stated the final billing and settlement statement and all was paid in full with the termination fee and forfeiture of security deposit. On XX/XX/XXXX I get court notice to appear in court for abandonment, I go to court with all my documents on XX/XX/XXXX and the case was dismissed. I have all documents including move out insepection which was provided in my dispute. I am sending you all the documents I provided to XXXX I dont understand with all the court documents and move out inspection why are they still reporting in accurate information. Reference # XXXX for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: EQUIFAX, INC.
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello, What is happening is that I have pulled a credit report with Equifax and I can also see my XXXX sister 's financial information including bank account details, credit reports - everything. The company filed a complaint but have said that the info can only be taken off their credit system. I 'm worried that when I apply for credit they are seeing all of my sister 's information too on every system, can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from RS CLARK I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RS CLARK in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am sending another complain because i am becoming extremely concerned about some misinformation that is reporting on my credit report. I have been waiting more than 6o days, I have sent a second complaint and I have disputed this companies response and yet I still do not have a proper resolution to some incorrect reporting on my credit report. 

Transunion is reporting false negative items to my credit report damaging my creditability with all of my financial institutions. I would like to extend another complaint to the CFPB with high hopes that my situation will be elevated to a more invasive investigative unit. I am highly concerned that they are continually shutting me down and refusing to properly investigate and validate their wrongful reporting and this process is taking so long that it has left me financial paralyzed. 
1. XXXX XXXX card # XXXX is reporting XXXX late payments and that is absolutely false and I would like the CFPB to join forces with Transunion and properly verify this misinformation immediately. 
2. XXXX is the SAME. For some reason they are reporting the account as PAST DUE and it has NEVER been late. I would like a full investigation with the help of the CFPB in order to validate and verify all information legally and properly. 
3. XXXX, XXXX is an account that has violated consumer safety and protection laws against me as a consumer and has to be deleted for falsely and illegally reporting to my credit report with your company. They are in violation of FDCPA laws and are currently under federal investigation for threats, abusive conduct and illegal documentation and non-debt validation. 
4. The TAX Lien was withdrawn from my name and I DONT REQUEST INFORMATION SUCH AS MY NAME TO BE VERIFIED! I have repeatedly asked them to stop sending me generic and uneducated responses verify silly things such as my name and such. I have told them that there are court orders from 2011 withdrawing these invalid liens. VERIFY THAT OR DELETE THE TAX LIEN immediately because you are ILLEGALLY reporting it! 

*************************************************************************************I will say this again and again. I will not take ANOTHER generic response as a form of validation of my disputes. You are clearly IGNORING me and have messed with the wrong consumer Transunion. I hope the CFPB can see you for who you are, a fake company in the pockets of ally of these companies who pay you hundreds and thousands of dollars a month to ruin peoples lives! Correct these XXXX items immediately, I will not stand for your lack of proof, investigation and evidence. That is not a proper reinvestigation BY ANY TERMS!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: PROVIDENT FUNDING ASSOCIATES
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In order to prevent a late payment due to the busy time during the holidays, we decided to mail payments a week before the end of the year. Dating the payment check on the first of the due month ( as we normally do ), Provident Funding received our payment days before the check could be cashed. Instead of keeping it until the following business week, they decide to return the check to us, along with a polite note stating that they do not accept post-dated checks. The letter was dated XX/XX/XXXX, and the check was dated XX/XX/XXXX. We 're now facing a possible late charge because of their unreasonable policies and practices. We prefer to send physical checks because of the security risks of having bank information stored online, but we now see that this can not be avoided because the companies themselves are encouraging it, therefore making themselves targets of cyberattacks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information, in regards to at least XXXX hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/XXXX or XX/XX/XXXX, and they completed the request on XX/XX/2017. The request that I submitted included at least XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 2-3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. When I received these letters from Equifax, my name was spelled incorrectly on multiple letters. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a derogatory remark on my credit report. I had a surgery that began in XXXX and carried over until XXXX. I paid my deductible, but then the company argued with me that I had to pay it again. I was told my the hospital administration check in that I would not have to pay XXXX deductibles, since it was related and on-going. I was given a summons and immediately paid the debt. How and when can I get this derogatory remark off of my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Seterus, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have been dealing with an identity theft problem for eight years. A loan and mortgage was acquired using by identity XX/XX/XXXX in XXXX XXXX. The owner of the loan is XXXX and the loan serviced by dept collector Seterus Inc . The loan is fraudulent and was acquired by the theft of my identity. I have provided XXXX and Seterus Inc, by registered mail, with all necessary documentation dealing with my identity theft and a stop and desist letter to stop all contact with me as provided by the FDCPA and FFDCPA. The harassing phone calls stopped, they stopped submitting information to the credit reporting agencies and removed my social security number from their records. Unfortunately they have continued to send correspondence dealing with this fraudulent loan to my address in XXXX XXXX in an attempt to pretend that I am the person who is responsible for this loan. XX/XX/XXXX, the property that this fraudulent loan secures, burned and was a total loss. The insurance company that held the hazard insurance paid out {$350000.00} and the payout placed in escrow by Seterus Inc. Seterus Inc has requested that I sign over the insurance payout proceeds so that they can be used to pay off part of the loan. I am not the person who bought this property and will not participate in a fraud by signing over the insurance proceeds that belong to the criminal that stole by identity. XX/XX/XXXX I received a XXXX and a XXXX IRS Forms that they sent to the IRS. The XXXX submitted indicates that I received interest income and the XXXX form indicates an amount paid in property taxes. I have never received any interest payment from Seterus Inc. or have I ever paid for any property taxes on this property. The filing of the XXXX and XXXX forms to the IRS using my name and address in XXXX is a cynical attempt intended to intimidate and harass. I will now have a problem with the IRS and have to spend time and effort to clarify the bogus XXXX, which will cost me money and may require me to pay Federal and State taxes on interest that is not mine and I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Under FCRA sec XXXX, I 'm requesting disclosure of the " original creditors documentation '', on file, that they must maintain to validate all data being reported or remove from my report if unverifiable. They refuse to provide the information or remove from my file. Instead, they continue to state the information is verified without providing verifiable proof. Items are ; XXXX ; account : XXXX XXXX XXXX ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
my equifax credit report is showing my XXXX XXXX XXXX entry as being reaged as its showing the date of last payment as XXXX and the date of first delinquency as XXXX. i am in the process of rebuilding my credit at this time and this type of information hampers my attempts to obtain any new loans. also i am requesting the the credit entries XXXX and XXXX be deleted as well as they will be falling off my credit report in the coming months

Company response to consumer: Closed with explanation