BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-12
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to Equifax on line site and filed a request for my credit report they wanted {$10.00}. I did n't see where there was a free option available. After filling out the required information my request was rejected. I then received an email stating that I had tried to excess my account and that it had been rejected there for the account was locked and to call their number on the msg. When I called the number I talked to a lady who did n't speak my kind of english and I could n't get enough information across to her to take care of my problem. I finally gave up. I want my score and I do n't want to pay {$10.00} for it this is the first time in years I 've asked for my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Where to begin, stuff with Equinox just keeps getting worse. After pulling todays report, Equifax has broken the law so horribly I seriously pray the CFPB sues them. They have done the most nonsensical and illegal activity one can imagine and I am glad I have proof. 
They had received my ID Theft report, Police Report and all originals when my SSN was first stolen and misused in XX/XX/XXXX. They hesitated but none the less blocked XXXX Fraud Student Loans, Inquires that I never applied for, and other accounts. Ironically a XX/XX/XXXX closed XX/XX/XXXX XXXX XXXX XXXX account that was Paid on time and in good standing they deleted purposely as the facts and reports i attach will prove. None the less the reports are so filled with inconsistencies like fraudulent addresses, accounts, and timelines that make absolutely no sense. They EVEN REMOVED MY FREEZE THAT I AM ENTITLED TO UNDER STATE LAW. ONCE A CONSUMER SENDS A COPY OF HIS OR HER ID THEFT REPORT AND POLICE REPORT IT IS REQUIRED THEY DO SO. Now I have a plethora of reinserted ( and never told why or how they came to that idiotic position ) accounts, inquires, and as a form of retribution XXXX positive never disputed old but not beyond the SOL accounts DELETED. Please look closely at the evidence I upload, and the corresponding dates, you will quickly see NONE OF IT MAKES SENSE NOR ADDS UP. EQUIFAX IS IN CLEAR VIOLATION OF FACTA AND FEDERAL LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The state of Kansas filed a State tax Lien on XXXX/XXXX/XXXX, for tax XX/XX/XXXX-XX/XX/XXXX.The last time I owe a home was in XX/XX/XXXX.file CHAPTER XXXX BANKRUPTCY DISMISSED/KANSAS DOCKET # XXXX. I move out of this house in XX/XX/XXXX.On XXXX/XXXX/XXXX order of sale for this house. On XXXX/XXXX/XXXX ORDER OF CONFIRMATION OF SALE. THIS ACCOUNT HAS BEEN RE-AGED BY THE STATE.A COPY OF XXXX CASE # XXXX SHOW TAX PERIODS DUE FOR XX/XX/XXXX-XX/XX/XXXX.THE DATE OF FIRST DELINQUENCY UNKNOW. THIS ACCOUNT INACCURATE AND OUTSIDE THE STATUE LIMITATION. ON THE TRANSUNION CREDIT REPORT SHOW ME LIVING AT XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. AND BEFORE THAT AT XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX. THE STATE SAYIN I OWE TAX FOR XX/XX/XXXX.COPY INSIDE. THIS WAS RELEASED AND TERMINATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several accounts that are listed with this bureau that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed and the bureau refused to remove the items with the information I have given themMy Name has also been used fraudulently as XXXX XXXX but my name is XXXX XXXX SS # XXXX date of birth XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient is my loan servicer. I tried to renew my IBR plan and had to go through several different websites to do so, and then submit paperwork on top of it. They dragged out the process so the loan went into a high dollar repayment even though they had my submissions two weeks before the due date. Now they are saying I am late. Because I am not working, this means going from XXXX to over {$900.00} payment which I can not afford!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: Fay Servicing, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been with Fay Servicing since they took over servicing of my loan late last year. I scheduled a mediation as per my rights, and met with their Attorney. I did not have an attorney present. The mediation was a scam. They stated " will give you 90 days '' and under duress I signed the documents. I asked during the mediation that if I had a well paying job would I be able to submit for a review and modification, they said yes. I found a job XX/XX/XXXX and submitted all required documents. I was in constant contact with my servicing representative. I have been trying for years through XXXX to get a mod. Each time we 'd get close I was laid off. Then I started over. My representative is now trying to push a short sale - or deed in lieu, even though I have a job and submitted all documents. The foreclosure is running in parallel and I feel the stress of running out of time. Why are they not following the comprehensive loan modification program as I meet the Eligibility? I bought in 2004, paid {$420000.00} for XXXX bath XXXX car garage modest house. I put down $ XXXX. and paid off the XXXX in the amount of $ XXXX. It is now work {$250000.00} max. They are still charging 6.8375, they are still charging the old taxation rates. Why ca n't they write down my loan? I did n't walk away, I stayed when all my neighbors disappeared dumping their properties. I do n't want to get foreclosed. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There are XXXX liens on my credit report in the public records section. I challenged the information because I do not have any record of being sued. Equifax dispute resolution stated that the information had been verified with the XXXX XXXX XXXX. I contacted the court using the information listed on the credit report, no agency listed had any information on my name having liens. The case numbers listed are incorrect or nonexistent no one could help me find the information listed on my credit report. I have no idea who has placed this information on my credit report or how to contact them to resolve this issue. 
I also need the XXXX XXXX XXXX addressed because they have that I owed {$150.00} and my account was closed. My account was closed by someone other than myself without my knowledge or permission. When I notified the gas company that an error was made they setup a new account for me. The {$150.00} was already paid, so I would like that information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted a dispute with Experian after seeing a XXXX on my XXXX XXXX personal loan account, after calling XXXX XXXX they reported a XXXX late occurred between XXXX and XXXX but could not provide specifics. when I contacted Experian to have this derogatory item removed they stated it was reported accurately with no proof of action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Old Debt ... that should be off of my account. Charged fees when I travel abroad. I was hit with excessive fees. When My phone was unable to be of use. I had no cell service when I traveled abroad but was charge cell phone fees when I returned to the states.

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 2015-12-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I requested a credit report from Experian for XXXX dollar and found out they also set me up for a membership I did not want and they will not refund my money. My credit card company acknowledge this happens frequently with this company. This is a very deceptive practice and need your help in recovery my money and stopping this company from continuing this practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I ask Experian credit bureau to delete old inaccurate information, which they have return a letter with an statement that saids we received a suspicious letter and we determined it was not you. I want them to delete old inaccurate information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX is reporting a 30-day delinquency on my credit report that is not correct. I have always paid account as agreed and never late. The account is currently in debt management which has been paid as agreed. Although the account is closed and in their approved debt management program, they continue to charge late fees and monthly annual fees. This is not correct and they are not honoring the terms of the debt management plan as agreed. They issued some credits for fees, but have not corrected the erroneous credit report with Experian. I have a separate claims for XXXX and XXXX XXXX to do the same.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I pulled my Experian credit report and I have multiple fraudulent credit inquires on my report that need to be removed. My report number is XXXX. The following inquires do not belong to me and i have never applied to any of these I was a victim of ID Theft. 

The following inquiries are not mine : XXXX XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX XXXX/XXXX/15, XXXX/XXXX XXXX/XXXX/15, XXXX/XXXX XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX XXXX XXXX XXXX/XXXX/15, XXXX/XXXX/15 XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX Card XXXX/XXXX/15, Staples/CBNA XXXX/XXXX/15 THD/CBNA XXXX/XXXX/15, XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX XXXX/XXXX/15, XXXX/XXXX/15 XXXX XXXX XXXX XXXX XXXX/XXXX/15, XXXX XXXX XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15 XXXX XXXX XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone is beginning to use my identity. They have requested a credit card under my name from XXXX which was denied. Was hacked into XXXX of my credit cards with XXXX XXXX. So far no problems. I suspect who is doing it, but none of the XXXX agencies are doing anything to help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My divorce decree indicate that my ex wife to pay all medical expenses created by her children. A collection was placed on my report resulting from her failure to pay the medical bills from her daughter. 
I have disputed the issue with Experian and they sent a report stating the collection will remain and to work out a payment arrangement with the creditor

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Fay Servicing, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a late property tax notice with late fees attached on   XXXX   XXXX   XXXX  . I tried to call Fay Servicing , LLC that day and also emailed them. Since then I have sent numerous emails and called several times. I get a random account manager who directs me to leave a message with my assigned account manager. I ALWAYS have to leave a voice mail. The  XXXX  time I reached her on    XXXX   XXXX   XXXX    she stated she would investigate and call me back the same day. Never heard from her. I have attempted twice since then to have anyone call me back, no one has. This is supposed to be paid out of my escrow account, which they have. On   XXXX   XXXX   XXXX   another late fee will be assessed. This is mishandling of funds. I have checked with the tax assessor and it still has not been paid. There have been  XXXX  emails sent to  Fay Servicing  and several voice mail messages left. The one time I spoke to someone they stated it was paid on time in    XXXX   XXXX   XXXX   The   XXXX   XXXX   Tax assessor stated it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
As a XXXX. Routinely, Experian denies my patients their free credit report online, requesting they send in a written request. I myself just requested my credit report, and I KNOW that I had all of the correct information to access my report, yet I was also told to submit a written request. Clearly, Experian is denying citizens their right to a free credit report. I noticed that XXXX plays the same game. This behavior not only needs to stop but be punished. 
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 2016-11-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have never had a XXXX account and it is showing up on my credit report. The credit card was opened because I was XXXX so I could not have opened a credit card.

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 2016-12-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Just like the radio advised me I should do, I pulled a copy of my credit report and there areitems that just are n't accurate on it at all. I am greatly concerned because I am a good paying person and do n't want people to think otherwise because of the mistakes that are on your report about me. 

Please adjust the following items so if whoever looks at my credit report, they will see what a good payer and citizen I am. 


Incorrect Name : XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this XXXX and any accounts associated with it for violating the FCRA. 

XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this XXXX and any accounts associated with it for violating the FCRA. 

Incorrect Address : XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of this debt and would like it to be removed as it 's reporting to the credit bureaus and negatively affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After becoming a victim of ID Theft, I obtained a police report from my local police department. With that, I notified all XXXX credit agencies, to put a fraud alert, or freeze my reports. I then filed a complaint with the FTC, and combined that with my police report, and wrote a detailed letter to Experian, explaining exactly which accounts have been effected by identity theft. I send these certified mail, and it has cost me nearly {$40.00} in mail. 
They simply respond with apparent " Stall Tactics ''. XXXX reply dated XXXX XXXX, says " Take some time and review your credit report, look for fraudulent activity '' I clearly told them of each account. I immediately contacted the Fraud department at Experian, with my " CreditCheck Monitoring '' service I have paid for for several years. The man I spoke with, said he thinks the police report looks " Fake '' and laughed. 
I assured him, it was not fake, and to contact the officer to verify the information. He advised me, this police report was not notarized, and therefore worthless. I got the document notorized, and faxed it to the Experian Fraud department. I followed up, with the notarized copy of the police report, and notarized FTC report. 
Experian 's response on XXXX XXXX, is to now include more information. Now it must have nearly XXXX additional pieces of information, I have already provided. 
I contacted the police department, and they do not complete separate police reports, simply because XXXX credit reporting agency refuses to comply with the law. 
Experian refuses to block the fraudulent information from my report. I am trying to keep up with this fraud as its piling up, and they will not even begin assisting me. I have spent XXXX dollars providing them all this information, by taking time off work, visiting police stations, and investigating several databases. They MUST start doing their job!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been trying to dispute this on my credit report. XXXX is reporting me as failure to pay. I have made over XXXX {$25.00} dollar payments. I have tried to upload a copy of XXXX check that represents over 65 such payments to XXXX. Yet, experian just goes by what XXXX is reporting. what about these 65 payments I have made and have proof of? Why is n't XXXX reporting that? i ca n't get anywhere with Experian and their dispute system and it 's negatively impacting 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 2016-12-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
An former address for a current employer was incorrectly attributed to me. The credit report refused to remove it. It has negatively impacted me as bills have been sent to that address and not to me, because I 've never received them they 've gone unpaid and entered collection status. The address in dispute is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. See pg XXXX of credit 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 2016-09-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have an account on my credit that were supposed to be deleted. XXXX was to be deleted on XX/XX/2015.

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