BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-02
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This company calls about XXXX to three times per day and refuses to say anything ; it appears that someone is listening on the phone but I would hang up. Today on this day of XXXX XXXX, 2016 at about XXXX, they called and refused to say anything and after a few seconds they hung up. However, this time I called the number XXXX and they identified themselves as being Jefferson Capital Systems , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
1 ) NAVIENT failed to apply a payment to my account. I always pay two weeks in advance and all of a sudden, I 'm delinquent. I called and they immediately said I made the error. Once they looked into my account, they realized I was correct and revised my account. 

2 ) In addition, when I asked for forbearance, they set my payment at {$670.00}. I started paying that in XX/XX/XXXX. NAVIENT adjusted my bill to {$820.00} two months later! They said it was interest accrued during forbearance, WHICH I WAS NOT INFORMED ABOUT! 

3 ) While in forbearance, at one point my loan balance double! When I tried to call, the phone lines were jammed. Apparently everyone else 's balance double, too. Makes me concerned about the software they use and how well it is monitored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Please help us : We have a Home Mortgage with Selene Finance LP, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Texas XXXX. XXXX # XXXX. Since XXXX XXXX XXXX sold our loan to this company, we have never received the regular coupon for payment and every single month I have to go to our bank and make the payment On Time via a Wire Transfer ( {$35.00} ). I have spoken with a representative that told me that the issue was going to be resolved but now is already 4 months having to submit the monthly pay using a wire transfer. Plus, they keep sending us threatening letters saying that the account was not paid. Please, let them know to send the communication of Payment Received every month and to send the current payment coupon for normal payment. Trying to make payment online within their website is impossible because there is no option to do so. 
We thank you very much, XXXX XXXX and wife XXXX XXXX. Property address is XXXX XXXX XXXX, XXXX - MA XXXX and our correspondence address is XXXX XXXX XXXX, XXXX XXXX - Florida XXXX. Appreciate your effort into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Before I requested a fraud alert online, I updated my mailing address with all XXXX credit reporting agencies. Out of the XXXX credit reporting agencies, Equifax is the only one that makes it difficult to update a consumer 's mailing address or delete wrong ones. There are numerous online complaints depicting my situation. I do not feel comfortable faxing a copy of my Driver 's License to Equifax when someone misused my identity back in XX/XX/XXXX at XXXX which is depicted CFPB case # XXXX. My wife and I called Equifax more than XXXX times last week and it was difficult to speak to an efficient representative. Although I gave verbal authority for my wife to speak on my behalf, the reps did not want to speak to her. The other XXXX credit reporting agencies had no issues with this. To make a long story short, according to XXXX in Equifax 's XXXX Department, the fraudulent account no longer shows therefore I need an updated copy of my credit file. He advised that he would not mail it to my actual address, instead Equifax can only mail it to my old address which I have not lived at for several years. This is unacceptable and inconvenient. Please your assistance is required. I need an updated copy of my credit report to be mailed to XXXX, FL XXXX showing that account # XXXX XXXX, was indeed removed. Furthermore, I have never lived at XXXX. This is a computer error which Equifax is also known for. I would like for Equifax to remove that address. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The company stated on my request which is Case Number XXXX that a report will be mailed to me on XXXX XXXX, 2015 but I never received the report. I am requesting the report be mailed to me so I can dispute items that are not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed an account name XXXX XXXX with the CRA Equifax. After reviewing my account with a credit monitoring service it showed XXXX XXXX as being removed and then reinserted. I never received any written letter/notice of such reinsertion nor notice that I have the right to place a statement in my credit file disputing the accuracy and completeness of the information. Bottom line is that if the information was deleted as a result of a prior dispute and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide me notice of their reinsertion, then the reinsertion is a violation of section 611 ( a ) ( 5 ) ( B ). Legal restrictions against reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ). Credit reporting agencies can not legally report back an account that was removed from my credit file after a dispute. They will be in violation to the fair credit report act and to the federal trade commission guideline and many other federal and maybe state laws. I was never notified that they had removed it and was putting it back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My now-deceased mom was offered a second mortgage for {$250000.00} on her co-op in XX/XX/XXXX when she was XXXX years old, her only income was XXXX a year social security and in poor health. The lender, XXXX XXXX XXXX, could never have expected this loan to be repaid, as it was a 30-year mortgage with the first ten years 'interest-only, ' not going to the principal. She obviously had no ability to repay but must have accepted the offer to pay other debts, including her medical bills. It was only after she passed in XX/XX/XXXX I discovered these shenanigans. But I have insufficient resources to pay this underwater mortgage. They then declared a foreclosure sale date twice, but canceled both times. Now, the servicer refuses to offer a principal reduction or deed in lieu of foreclosure, and the contact person, XXXX XXXX at Seterus, XXXX extension XXXX, does n't even answer the phone or emails! They keep sending requests for documentation of my meager income, which is irrelevant, as I am not on the mortgage and my mom left no will. When I explained this, they falsely declared I " withdrew my request for assistance. '' My question is : what benefit are citizens getting from the XXXX, XXXX XXXX settlement XXXX XXXX XXXX supposedly paid for mortgage fraud? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting me as deceased. I have the same name as my deceased father ( with a Jr ), and I live in his house, but I am not deceased. I have a different social security number than my father, so I do n't understand why it was not used to determine that the credit request was for me, not my father.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Apparemtly I have XXXX Tax liens on my credit report that should not be there. The Tax lien 's do not specify what they are for. I did own and sell a property located at XXXX XXXX XXXX, Idaho XXXX under a short sale contract. This would be the only thing I could think these tax lien 's are for. However I sold that property and all late house payments and taxes due were caught up and paid from the final sale of the above said property.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Received IRS Tax Lien withdrawal letter and approval. Forwarded to all XXXX major credit reporting agencies. XXXX and XXXX removed without incident. XXXX has not removed after several attempts. They said they would remove, however only released the tax lien. Please see find attached the official/legal IRS Tax Lien withdrawal signed document

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I I mailed a statement in to equifax that I wanted added to my credit report. When I noticed the statement had not been added I called equifax to inquire. The agent advised that she did not see a statement and that she could add it if I give her the information. When I received a copy of the statement that she had added, it was full of errors. To add insult to injury I have had my y credit pulled a copy of times and the only portion of the statement that shows up is " XXXX XXXX XX/XX/XXXX PAYMENT HISTORY SHOWS MY COMMITMENTS OF MAINTAINING A GOOD CREDIT HISTORY '' this was a small portion of my statement. This was intentional by Equifax to not report the full statement as I advised that I am in litigation against equifax on XXXX matter and will be filing XXXX additional suits against them. Again Equifax continues to operate in a malious manner that continues to cause me financial and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I spoke with a rep at Equifax after about my 24th attempt about having XXXX of the inquires off my report that were not mine. I had been sent back and forth between the creditors reporting and the agency several times. They were just running me in circles. The rep apologized for what I had been through and she said she was removing all but the XXXX XXXX which is actually my only one. I was also told I would get something in writing, neither action was taken. This was over 3 weeks ago

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have XXXX hard inquiries on my credit report from XXXX XXXX in the same week. I did not authorize the inquiries and I have communicated this to them on two separate occasions and they will not remove them. The inquiries we made by a third party vendor contracted to XXXX XXXX. I have a fraud alert on my credit report and I did not follow through and give them permission to retrieve the information. The inquiries are listed on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have numerous inquiries on my credit report with XXXX that I have continuously disputed. I did not apply for credit with these companies and would like the inquiries removed. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have paid XXXX accounts on XXXX/XXXX/16. XXXX accounts reflects that but the other still shows as not being paid. I also paid off the receivable account for {$290.00} in XXXX also.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I receive an " updated '' status from XXXX instead of a deletion. I originally disputed a series of student load delinquencies ( XXXX ) on my XXXX, XXXX, and Equifax credit scores. I have only missed XXXX payment to XXXX ( XXXX XXXX XXXX ), which is now paid to date, and they chose to report this late payment XXXX times to the credit company. I have a fairly good score prior to this happening and I want to have it corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XXXX and XXXX I requested a copy of my credit files from each of the bureaus so that I could check my credit after an issue was brought to light by the IRS concerning a judgment which is a result of Identity theft. On checking my reports I noticed that there is account opened with HSBC Bank for over 7 years that is not known to me which is in default and is the reason why my credit is reporting so badly. I need to validate this account. Please ask the company to forward via CFPB all verification documents used to open this account ; signed contractual agreement ; and Identification used to authenticate the account opener.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently was alerted that the XXXX governing the community ( XXXX ) my rental property is located in reported an open installment loan to Equifax for me. This open " Secured Loan '' shows a fixed rate and that it was opened on XXXX 2016. I have not authorized the XXXX or any authorized party to open a loan under my name nor have I been made aware that any XXXX related amounts would be reported to any credit bureau. I would like this information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This account in question was previously deleted due to fraud. It originally was XXXX account. The new company XXXX purchased XXXX and re-inserted the same account on my credit report. This needs to be deleted immediately. I have supplied Equifax with a police report, affidavit and personal identification. XXXX changed the account number to allow it to be re-inserted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have attempted to dispute this item with Equifax several times and they have failed to provide me method of validation/verification used. This account is not mine and I would like for it to be investigated properly and or deleted ... 

Accounts : XXXX , XXXX - Acct # XXXX I have no knowledge or records of the listed account ( s ). 
Please advise me as to the name and address ( es ) of the medical provider ( s ), the date ( s ) and type ( s ) of service, and to whom the service ( s ) was ( were ) provided, as any account ( s ) I might have had may be obsolete. 

If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
HELLO FROM XXXX XXXX XXXX. 

A WHILE AGO THEIR WAS REFERENCE NUMBER REGARDING EQUIFAX , XXXX. THEIR A WHILE AGO WAS XXXX XXXX CREDIT CARDS IN XXXX, VA. THAT REQUESTED EQUIFAX TO BE MAILED TO THEIR OFFICE, AND YOU KINDLY HAD THAT SENT TO THE FEDERAL TRADE COMMISSION, AND THEY CLOSED XXXX ACCOUNTS DOWN. FORMER E-MAIL IS XXXXXXXXXXXX, XXXX DISTURBED THE E-MAIL, WHEN YOU GET AN OPPORTUNITY, COULD YOU PLEASE, SEND ME THE INFORMATION TO XXXXXXXXXXXX. XXXX FYI, I REQUESTED A XXXX CREDIT CARD, AND THEY CHECKED THE MAJOR EQUIFAX IN XXXX GA, AND THE CREDIT NUMBER WAS XXXX POINTS WHICH IS INCORRECT. 

XXXX XXXX! 

XXXX XXXX XXXX XXXX, SS # *********** HAVE A GREAT HOLIDAY, AND BE BLESSED

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: DISCOVER BANK
State: AZ
Product: Credit card
Issue: Rewards

Complaint:
I made a purchase of {$990.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
XXXX have harassed, threatened me for a fraudulent debt they purchased from XXXX XXXX since XX/XX/XXXX. I requested a copy of the signed contract with Discover, an itemized " bill '' and proof that I opened a credit card, they refused. The judgement expired on XX/XX/XXXX and XXXX ( XXXX XXXX ) filed a Writ of Revival on XX/XX/XXXX which is past the XXXX and the Fair Debt Collection Practices Act. Due to similar proven illegal actions, XXXX have recently been fined XXXX for these illegal activities. On XX/XX/XXXX, XXXX XXXX created a new docket number and filed my social security number at the XXXX XXXX courthouse. XXXX never withdrew their " entry of appearance ''. On XX/XX/XXXX XXXX XXXX sent a request for interrogatories, which I responded in to the attached letter. If a debt is n't paid within 180 days, it 's written off. XX/XX/XXXX personally buy these debts, get away with these illegal action because XXXX XXXX sits on different boards, has family members/friends working in the XXXX court house. XXXX XXXX has been noted in a recent Supreme Case and has been warned to stop threatening and harassing, " The U.S. Consumer Financial Protection Bureau has fined a XXXX law firm and the debt collection company it worked with and ordered them to stop filing abusive debt-collection lawsuits. '' This is a violation of the Fair Debt Collection Practices Act. They are attempting to sue me for a debt I did not sign for, the debt is too old to be sued on and are attempting to seize property. I have attached all documents, including a letter to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was under my parents insurance still at this time and is to be paid by them and not myself.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax reports XXXX account incorrectly. Account status is PAID IN FULL. They report it as collection/charge off. The account is paid in full. That is the CURRENT STATUS, and the current status is what is required to be reported by the Fair Credit Reporting Act. The 24 Month payment history should show XXXX, as in no report, as the account was closed in XX/XX/XXXX, there was no reporting from XX/XX/XXXX until XX/XX/XXXX. It was disputed, and was paid in full in XX/XX/XXXX. The reporting should show 3 months of late payments, and then a charge off XX/XX/XXXX, then it was closed, it should show XXXX, until XX/XX/XXXX when it should show pays as agreed, then should show XXXX for XX/XX/XXXX and after that. Balance should be {$0.00}, actual payment amount should be {$1000.00}. The report should show charge off amount of {$410.00}. Date closed should be XX/XX/XXXX, as they re-opened the account to accept full payment, and XXXX agreed at that time to report the account as paid in full, in exchange for the disputed payment in full of {$1000.00}. Comments should read Paid in Full after disputed charge off, the account reporting is still under dispute. 
XXXX promised the consumer to show the account as PAID IN FULL STATUS when they accepted the disputed amount in XX/XX/XXXX. Please correct this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: DISCOVER BANK
State: AR
Product: Credit card
Issue: Other

Complaint:
I opened an credit card account with Discover Card in 2004 and had about {$7000.00} in debt when I quit using the card and it was being paid from my checking account automatically. I assumed the debt balance was being paid down slowly but I discovered it was growing and the interest was increasing to about 27 %. I now owe {$20000.00}. I contacted them and asked for a settlement and they refused. They said as long as I was paying monthly they would continue to collect but if I quit paying they would sue for the entire amount plus costs. I realize my fault was not paying attention but I do n't feel I owe for debt I did n't make.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: DISCOVER BANK
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The problem is with Discover bank debit card. It is going for 6 weeks and not yet resolved. Every time I call they are not able to give me any time estimate for the resolution. Each time they tell me that finance department is working on it. There are 2 transactions dated XXXX/XXXX/2016 in the amounts of {$4.00} and {$4.00}. These are not valid transactions. They are not able to give any information on these transactions. 
Their phone number is XXXX. My last contact was with supervisor XXXX. The debit card is associated with checking account that ends in XXXX.

Company response to consumer: Closed with explanation