BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a public record / judgement on my credit report which does not belong to me. This public record has kept me from financing my home, and has even kept me from getting a job. On XXXX XXXX, 2015 I appeared in court before a judge to clarify the judgement was not mine. On this day I was given a court order specifying that the judgement belongs to an individual with a social security ending in a sequence of numbers which does not match mine. After sending a dispute to Experian I was told the negative listing can not be investigated because I did not include my entire social security. ( I sent my last XXXX, name and address ) This issue continues to keep me from doing the most basic things in life like purchase a car, a home, or even get a job. Please Help! 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There have been unauthorized inquiries put on my credit report and after contacting both the bureau and the companies have not been removed. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$990.00}. They were reporting on a XXXX XXXX credit card that I did not have. I disputed both accounts with XXXX XXXX, XXXX XXXX XXXX and all XXXX credit bureaus. Neither company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both companies and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all XXXX credit bureaus to remove the incorrect information from my 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 2016-09-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a bankruptcy filing that was dismissed, within two weeks. I never had a discharge and it was my choice not to proceed. I have requested numerous times to have the dismissed bankruptcy removed, as it is reported as a bankruptcy to potential creditors. It is false and misleading. 

I was advised to file the bankruptcy from an attorney so I did. His advise was that it would not be reported on my credit report if it was dismissed and not discharged. 

You can see by the attached documents from potential creditors how Experian is reporting my credit.

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 2016-04-06
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am in the process of a refi on my home. It is important that I have my credit score as high as possible. I spoke with Eqiufax regarding a credit inquire that will be 2yrs old on XXXX. I would like it to be removed on XXXX. They say it will take another month. All they wanted to talk about was selling me a security monitoring plan. VERY AGGRESSIVELY!!! PLEASE help me to have this removed on the 2year date. TIME IS OF THE ESSENCE. PLEASE. 
Thank You So Much, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX *********** XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX our monthly mortgage payment was made by phone to the customer service department of HSBC. We were told that due to our account being in good standing we were eligible for refinancing. We were referred to the refinancing department and spoke to a refinancing personnel of HBSC by the name of XXXX, who completed with us the initial application for refinancing. We were then assigned to another of HBSC employee by the name of XXXX XXXX who took over the application process and told us that closing date would be sometime in XXXX XXXX, and that we should not make the XXXX XXXX XXXX mortgage payments as they were being included in the refinancing. He also told us that our first mortgage payment would be for XXXX XXXX. 
We received a call around XXXX from HSBC employee XXXX XXXX XXXX informing us that the closing date had to be changed to the first or second week of XXXX XXXX. Our insurance agent also received a call from HSBC employee XXXX XXXX XXXX, making request re paper work, pertaining to the refinancing of our home. HSBC through XXXX XXXX XXXX contacted us again by XXXX XXXX informing us of a final closing date of XXXX XXXX, XXXX. After that no further communication was received from HSBC. 
Numerous calls were made by us and messages left on XXXX XXXX 's HSBC extension voice mail and direct line ( XXXX ) XXXX - XXXX at HSBC. Our insurance agent also made several attempts to follow up with XXXX XXXX XXXX of HSBC refinancing department but to no avail. At this point we desperately tried to obtain information re our pending refinance closing and was able to obtained information through HSBC customer service that the mortgage payoff was given to XXXX XXXX in the refinancing department and that they were awaiting the closing. 
While waiting for the closing to our dismay, we received an intent to accelerate letter from HSBC dated XXXX/XXXX/XXXX which added stress to an already stressful situation. We at this point sacrificially made the XXXX Mortgage payment, believing that, HSBC would resolve the matter, which they did not. Verbal and written complaint was made to HSBC emphasizing that our financial hardship was brought on by the breach of contract by HSBC. 
It is hereby unbelievable that even in the light of the overwhelming evidence of breach of contract and fraudulent activities by HSBC, including but not limited to forgery, HSBC did not do the right thing of resolving the matter by completing the refinancing process. This, they themselves initiated which if done would not result in us being in foreclosure. 
We hereby seek your help in investigating this urgent matter. 
Contact number XXXX XXXX XXXX XXXX - XXXX email : XXXXXXXXXXXX Yours Truly, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Managing, opening, or closing account

Complaint:
I bought a {$200.00} Amex gift card around XXXX XXXX. It had n't been authorized properly by the store clerk, so I could n't use it. After calling Amex, I sent them everything they asked for via the fax number they gave me - copies of both sides of the card, the sales receipt, and my NY XXXX i.d . 

I waited for weeks, got no response, called Amex & was told they were " working on it ''. More weeks, no response, I call again and am told the copy of my i. d. was too dark to be legible. I send them a lighter copy, more weeks pass, I called yesterday and was told a portion of my I. d. still could n't be read. I informed them I was n't faxing anything else but was contacting CFPBAmex has gone way beyond any necessary fraud protection. There are cites online documenting many, many similar complaints. Obviously, the longer Amex delays refunds, the more interest money they make on the float.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is my current lender. I filed Bankruptcy in XXXX and discharged in XXXX XXXX. My credit report is incorrect. I am trying to refinance my home and because of this inaccurate reporting I 'm unable to move forward. They have not filed any payment history and recorded my bankruptcy as XXXX XXXX. I have remained current on my payments with them since my bankruptcy discharge which reaffirms my debt. I have requested in writing, calls, faxes to have this fixed on my credit report with XXXX as well as XXXX, Equifax and XXXX to no avail. I have attempted three times with all supporting documentation ( Bankruptcy Discharge dated XXXX, payment history, credit report showing inaccurate information ) and neither XXXX nor the credit bureaus are willing to help. Both point to each other that it is their responsibility to correct this on my credit report. I desperately need assistance in having XXXX be added to my credit report with the correct payment history and correct BK date of XXXX XXXX. I can provide all supporting documentation to you if needed. I appreciate your time and assistance and can be reached at XXXX. 

Kind regards, XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On Saturday  XXXX / XXXX / XXXX  I received an alert on my   XXXX   XXXX   about credit card limit. When I checked it out. I noticed a credit card  with Capital One o pened on  XXXX / XXXX / XXXX . I immediately filled a fraud alert 90 day initial alert to   XXXX   credit report and also ordered a credit history report from  XXXX . Afterwards I contacted the company about the credit card. I explained how I had no knowledge for this account until I received a alert from   XXXX   XXXX  . I opened a fraud case with them about the card. They assured me the account was now close and a investigation would take place and report it to the credit bureau. I provided my mailing address as well as email and phone number. When I asked for information on file for the credit crad the mailing address or number I was simply told it shows  XXXX , TX that 's it. I was informed I would be receiving a phone call and an email with information on the matter. As today  XXXX / XXXX / XXXX  I have not received a phone call. I called them back on  XXXX / XXXX / XXXX  I noticed on my   XXXX   XXXX   the account was still opened and how I have n't received a phone call or an email about the matter. I was told it was closed the person could not use the card. As far as the phone call and email no update.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filled Chapter XXXX bankruptcy in XXXX and was discharged in XXXX. I included all debts including the referenced account XXXX XXXX which has now been removed from my credit report previously. The account is now showing back and is duplicated -showing as XXXX negative accounts both owing the same amount of {$5500.00}. 

Open Account # XXXX {$5500.00} Balance XXXX XXXX Original Creditor {$5500.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Consumer disputes this account information Remarks Account # XXXX {$5500.00} Balance XXXX XXXX Original Creditor {$5500.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Consumer disputes this account information Remarks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have started and paid for a monthly fee to monitor and dispute inaccurate information on my XXXX bureau report through Equifax. For the last several years, although I have proven that I have paid the accounts in full, and also provided the release of lien information, the bureau 's continue to state that the trade line will remain unchanged. I have been unable to get credit, purchase a home ( which would reduce my living expenses by {$600.00} per month, and have been harmed as I have been paying monthly for the service that does not do what they say they will do. The disputes I have submitted, even with proof have remained unchanged. The liens in question are from XXXX XXXX County for the State of CA FTB. I have verified with CA FTB the account is at a XXXX balance, yet they have not yet published the release of lien. I have also requested this several times. Therefore this complaint is also filed against the state of CA Federal Trade Bureau for not reporting the lien as released or resolved in a timely manner which has not only affected my credit report but also my financial capacity to borrow money, be seen as credit worthy, and has cost me money each and every month for the membership to Equifax to attempt to resolve these issues. I have called FTB on many occassions as recent as XXXX/XXXX/XXXX. The wait time to speak to a representative is up to nearly 3 hours. When I do speak to them, it is verified the account is at a XXXX balance and that I am in good standing. I am told the lien will take 2 weeks to release, but as of 3 weeks ago when I was last told this the lien has not been released. I lost the contract on a property as this is one of the major issues we could not overcome. We have nearly {$4000.00} invested into the purchase contract which is now lost and cancelled. I am considering filing a lawsuit to recapture these losses and the monthly expenses for the membership, as well as puntative damages. The liens were filed and should have been released no later than XX/XX/XXXX. In XX/XX/XXXX I began to request the liens be released. To date the liens are still active. Going to FTB website they recommend contacting the bureau 's to resolve the mis-reporting. I have done this however, the bureaus indicate that FTB has to initiate the release. Either way, neither is doing anything about the lien although the accounts are all at a XXXX balance and I am in good standing. I wish to be made whole financially as well as have my credit restored to the condition it would have been if not for the mis-reporting and delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is holding hostage my XXXX credit file once again, below are actions of discriminatory practices implored by these XXXX : 1. Bankruptcy case number XXXX was filed XX/XX/XXXX and should have been removed from my credit file over 3 years ago, still to-date Equifax , these XXXX are still Reporting this XXXX on my credit report, they ca n't STOP me from functioning, that wo n't HAPPEN on my XXXX WATCH! Now they 've tried and it 's not been successful, EXAMPLES : 2.50 % on auto loan, 2 % on the biggest XXXX ticket item of a life time, Mortgage loan 2 % XXXX. XXXX 's XXXX credit card SHOWING XXXX closed, this account does n't belong to me and I 've asked them to remove it, its XXXX with my credit score, just as the Bankruptcy is doing! Would CFPB implore these XXXX to remove the CLOSED XXXX 's Club account off my XXXX CREDIT Report, they are not STOPPING me from doing the credit business. Remove this XXXX account at once! XXXX BANK is n't reporting this XXXX Equifax has created this account. Question? XXXX CFPB, Have Equifax to forward me the last transmission by XXXX account that CLOSED, get this XXXX off my Credit Report, NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I have been a victim of multiple cases of identity theft within the last XXXX years. Most recently, i have been a victim of identity theft about XXXX times in the last XXXX months. I have purchased a protection program with Equifax and have set up Fraud Alerts with all XXXX major credit reporting agencies. Even though I have fraud alerts set up, the credit reporting agencies are still authorizing the opening of accounts without my verification. I have had accounts opened in my name with all XXXX credit reporting agencies. Each agency is failing to contact me to verify that I am opening these accounts. This issue has now negatively effected my credit score. I will be filing XXXX separate complaints for each of the XXXX credit reporting agencies. This complaint is specifically for Equifax, as I have purchased their product that charges me {$19.00} a month, but reap no benefits of the product except for receiving emails that accounts have been opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been requesting Equifax to remove an old negative account in my record titled " XXXX XXXX XXXX '' that was opened in 2009. Both of the other credit monitoring companies removed the account due to the elapsed 7-years time, but Equifax is not budging because they state that a collections company took the debt years later, so they are going to make me wait years. It is ridiculous because the account is the only negative mark on my credit report AND it 's been removed from the other credit companies ' reports! I do not understand why Equifax is being so stubborn, especially now that I am trying to apply for a mortgage and this one ridiculous negative mark is holding me back. Please investigate this account and explain to Equifax that there should be no reason to hold me back from my mortgage with this pointless negative account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: Experian Information Solutions Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Experian ( and I suspect all XXXX credit agencies ) have decreased my credit score because an older unpaid loan from XXXX ( XXXX Account Number : XXXX, ) that had passed the time frame to affect my credit score, was purchased by XXXX ( XXXX, CA XXXX XXXX Account Number:XXXX 
This loan is too old to ( again ) affect my credit score. They are treating it like a new default and decreasing my credit score and ability to borrow. I believe that that is illegal. 
Besides, as I have recurrently argued, the property involved belongs to XXXX ( who informs me that there has been no foreclosure filed! ) XXXX somehow got the property in his name and left me with the mortgage ... ..

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 2016-07-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian 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 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 2015-05-18
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We bought a house XX/XX/XXXX, for XXXX with a XXXX and a XXXX mortgage. We refinanced to get out of a 2-year ARM and increased the amount of the second mortgage.  XX/XX/XXXX, the economy went south and my husband who is XXXX as a XXXX, suffered setbacks with his XXXX but also with his health, needing a XXXX. I lost my job and got a new one, but lay-offs meant that I had to look for work again.  We struggled to keep our house and became delinquent with the XXXX mortgage on XX/XX/XXXX.  We have been through XXXX loan modifications, and we knew that we should concentrate on the XXXX mortgage so as to keep our home. We do not want to file for bankruptcy, and we want to keep our home. We did not make any payments on the XXXX mortgage after XX/XX/XXXX. Greentree, also known as XXXX sent us a letter dated XX/XX/XXXX advising us that the statute of limitations has run out.  XXXX, their debt collector, sent us a summons with a letter dated XX/XX/XXXX to court for XX/XX/XXXX to appear before a judge over the debt. I thought that when the statute of limitatinons has run, that XXXX are to stop pursuing the debt under the law.   I am afraid to contact them because any communication with them may be seen as an admission to the debt and revive the debt with respect to the statute of limitations.  Greentree continues to send us a bill for the debt, hoping to trick us into making even the smallest payment in order to revive the debt with respect to the statute of limitations.  XXXX sent us a letter that tries to get us to pay something in lieu of going to court, but that is also in order to revive the debt.  I don't think they should be allowed to try to trick homeowners into thinking its safe to pay a little without informing the homeowner that it will make them fully liable for the debt for another 6 years.

Company response to consumer: Closed with explanation