BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-26
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian employees have been deleting my account information after XXXX XXXX sends false debts to the credit bureau. 

As shown by the pdf photos provided, there is no payment history on my Experian account member ID:XXXX for the month of XXXX, yet there is a debt balance of {$1.00} for the month of XXXX. 

( This {$1.00} amount is consistent with my on time XXXX XXXX payment for the month of XXXX as shown by the pdf photo provided ) I also have confirmation transcripts from Experian employees stating Experian deletes account info. 

Experian Dispute Department of Experian Employee : XXXX team : XXXX, Site : XXXX, Texas XXXX XXXX- 1 hour 32 minutes 39 seconds XX/XX/2020 " XXXX XXXX did not report for the month of XX/XX/2020 '' " XXXX XXXX reported to Experian before the due date was even due, and it has been like that since XX/XX/XXXX and they had been reporting on the XX/XX/XXXX of each month '' " a lot of information is missing from the report and erased from the account '' Direct line for the Dispute Department Experian agent women named XXXX XX/XX/2020 at XXXX XXXX : " XXXX XXXX reported no information for the month of XX/XX/2020. '' " Your account information has changed since the Experian agent XXXX spoke with you last week, your due dates are now noted as the XX/XX/XXXX of each month '' Furthermore, as seen by the pdf photos of Experian and XXXX XXXX, it is fact that XXXX  XXXX has sent false multiple debts to Experian for XX/XX/2020 and XX/XX/2020 which negatively impacted my credit score. 

FCRA regulations state creditors ( XXXX XXXX ) has to report accurate information to reflect on the credit report. 

XXXX XXXX is in violation of FCRA regulations as shown by the evidence pdfs provided. 

Experian employees are deleting information sent by the creditor XXXX XXXX and have erased information from my account. 
Experian also has a XXXX  XXXX system which is not providing accurate information. As shown by the pdfs, when a false debt is removed from my account, my score dropped 27 points.

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 2015-09-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
An XXXX report indicated that Equifax provided my credit information to " XXXX, XXXX XXXX XXXX, XXXX '' without my permission on XXXX/XXXX/15. " XXXX '' is actually " XXXX '', which apparently has a very long record of this behavior. Thanks for your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Seterus, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is my third complaint against Seterus, a mortgage company. In XXXX 2015 my XXXX mortgage account was transferred to Seterus " in arrears '' with " funds held in suspense ''. In XX/XX/XXXX XXXX finally admitted in a letter to me and to Seterus that this was their mistake, not mine. My XX/XX/XXXX payment had been misapplied. The attached letter from XXXX received in XX/XX/XXXX further clarifies that my account was current when transferred to Seterus. All mortgage payments to Seterus since XX/XX/XXXX have been made on time or early. After three months since XX/XX/XXXX explained to Seterus that my account was never delinquent, Seterus has failed to acknowledge this, and is still billing me for past due payments! Seterus is a TERRIBLE and INCOMPETENT company. I have never been given a case-worker as I was by XXXX. I have been treated disrespectfully by Seterus phone representatives. I have spent hours making phone calls, writing letters, sending faxes and emails with copies of checks documenting my on-time payments since XX/XX/XXXX! I demand that Seterus bring my account to " current '' status, and repair all damage to my credit rating!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I requested to have a verification of a tax lien filed XXXX, Equifax keeps giving me this as verified XXXX. I need this to be verified as of now XXXX. I do not want old information, I need an updated verification. If they can not verify it as of XXXX then this needs to be removed or it is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2020 I made a purchase for {$520.00} on my Citi double cash card. The item I received from the purchase was faulty/incorrect so I sent it back ( within the company 's ) return policy. The company never refused me so I made a chargeback dispute on my credit card. Citi gave me an initial credit, but then decided in the end that I shouldn't get my credit and reversed it. I don't know how they could side with the merchant in my dispute. It was very obvious I had returned my item and hadn't gotten a refund. I had tracking that proved I returned my item. Citi didn't side with me in my chargeback and now I'm out {$520.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$5900.00}, {$620.00}, {$1100.00}, {$1000.00}, {$2400.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXXwith a balance of {$6900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax keeps sending you a response that says I have not provided additional communication. That is not true, I have provided the same additional documents that I have provided to you. I am not sure what the asterisk in front of the statements provided in the response. Additionally, I no longer get a case number from Equifax when I dispute my credit report. Since I have been blocked from online reporting and mail documents. This does n't seem to be in line with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am very confused by what is being reported by Equifax. They have a XXXX account with a balance and payment status that is wrongggg! I have proof that its paid off and not past due at all! I want this fixed right now! I also see that they are reporting my XXXX mortgage as currently past due but there is no payment history reporting at all! How can this be past due????? I am so confused and frustrated here. This has to be fixed now!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax is allowing XXXX or XXXX or in Equifax case no name collections to report on m credit file in Breach of the HIppa laws Privacy act also MY XXXX was paying this so this company has no legal right to report Equifax is allowing them to do so and sharing this information with out the my consent MY medical records are mine and can not be shared for any reason my medical bills are part of that record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax continue to violate my rights and the law by constantly verifying the un-authorized inquiries listed on my credit file. 

In my last letter I gave them the new and relevant information ( proof that the creditor did not have authorization ) they needed to conduct their investigation. Yet they still verified these inquires. It 's troubling that Equifax continues to violate the law and hurt consumers on a daily basis. The law is clear, if the creditor does not have permissible purpose to pull a credit report, they ca n't pull. They have failed their responsibilities to me as a consumer and I will explore all legal options that are afforded to me under the law. 

Because of their willful non-compliance, I 'm sorry but you left me with no choice. I will be filing complaints with the following agencies : FTC, XXXX, XXXX in your state, Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX, XXXX, Advocates for Fair Credit Reporting, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

These complaints will be filed because Equifax just simply refused to follow the law of the FCRA. I had no choice as you forced my hand by not deleting the un-authorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: EQUIFAX, INC.
State: AK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a recent new address on my report : XXXX XXXX XXXX XXXX XXXX, XXXX SC, XXXX Also, there is a XXXX credit card that was opened in XXXX and not used since XXXX. That was closed and it is still showing open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Financial Corporation of America
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took my wife to the hospital ( XXXX XXXX in XXXX ) on XX/XX/XXXX - XX/XX/2019 to deliver our XXXX  daughter. Everything went well. The staff at the hospital told my wife and I that with our insurance we would not owe anything for the delivery. We were discharged and we never received a bill of any kind. Fast forward to about a month ago, we are getting a bill from a company called Financial Corporation of America ( FCOA XXXX. ) saying that we owe {$150.00} to a company called XXXX XXXX XXXX. The date of service shows XX/XX/2019, which is when we were at XXXX XXXX. We called the hospital about a month ago and they stated that we did not owe anything. We called FCOA XXXX  and told them this and they stated that we still owed money. They sent us another bill a couple of days ago, the same bill. I called and they would not provide any information unless I gave them confidential information such as address, date of birth, and social security number. They do not seem to be a credible company and I do not owe what they are saying I owe. Can you please fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Inquiries not authorized being reported on my credit report XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX XXXX/XXXX/XXXX XXXX Bank, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX Bank XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I found out I had a collection placed on my credit report around XXXX 2015, information appears to be related to an apartment rental at an address that I am not associated with and I disputed as fraud and the credit bureau refuses to remove. I was sent a copy of a lease from the collection agency, but it is not for an address that I have ever lived at and does not appear on my credit report. I have notified the credit bureau of possible identity theft, but the collection has remained on my file. I was never notified by the collection agency prior to this being placed on my credit report, but disputed as fraud and they continue to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax conducted an investigation on XXXX XXXX, 2015 on report late payments from a creditor that were incorrect. ( XXXX XXXX XXXX ) - the very next day I received results stating that the historical information was deleted from my profile. To date, the report has not reflected the change.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XX/XX/XXXX, I issued a complaint regarding equip ax having incorrect information on my credit report. They were putting bad credit issues that belonged to a XXXX XXXX, who is not me on my report. XX/XX/XXXX they sent me a letter that they had removed that information and put an extended fraud alert and blocked my file for promotional purposes until XX/XX/XXXX. Yep, it just expired and I 'm already getting creditor calls for a XXXX XXXX! Obviously they never fixed the problem. I understood the problem was XXXX XXXX 's social security number has the last same XXXX digits, but somewhere in the middle it 's different. How do I make Equfax stop reporting false information? Do I need to get my attorney involved? This is pure harassment from them and it 's been going on for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was working on a shortsale with Bank of America on my home that I could no longer pay. I hired a licensed real estate agent and they got me a shortsale approval then Bank of America could n't find the XXXX mortgage and when we finally figured out a resolution bank of america foreclosed on my home even though it was in active review. We had confirmed with the negotiator that the sale date was on hold a day previous to them foreclosing on me. I did everything the bank requested. I turned in paperwork and have been completely cooperative and now I feel like I was done an injustice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In the transfer from XXXX XXXX to Navient, I was unable to set up automatic payments. I was unclear which payment option to choose and unable to get an answer from Navient which option I should choose. I chose the wrong one, leading to my payments required being {$0.00} for a long time. No payments were being taken from my account I set up, leading to higher interest stacking up. Manual payments have got me back on track now, but not through any help of Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home was foreclosed on XX/XX/XXXX. This left a second mortgage account with Bank of America that was not discharged. Even though they were notified that the property was no longer my responsibility, they keep making tax payments on the account and charging me an escrow balance. These payments keep being returned, with the last XXXX being returned XX/XX/XXXX. After XXXX attempts to have the escrow account removed, and after Bank Of America actually agreeing to do it once, they have once again re-established my escrow account and made another unrequired tax payment on my behalf. Now they are reporting my account past due, because I can not afford to make the bloated payments they are requesting to cover the tax liability. To make matters worse, they refuse to address the issue while the tax payment is being processed, and the subsequent request to have it refunded is in process. I literally can not get them to address the issue before they make another payment!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
First, I was never told I was signing up for a private loan. All I did was fill out my fsfa form, and the dispertments came out. At no time was I notified that I was into a private loan, by the school nor navient ( XXXX XXXX ). Second, when I call them to work out a payment plan, which I only make XXXX a year, I am being asked to pay almost XXXX a month, which is crippling my ability to be a single dad, and provider. All I get is threats, and I try to explain that I dont bring in enough to pay the bill. they have even suggested myself get a second job to take care of student loans. This place is a grotesque place, and to the point of harassment. Ho w can I try to raise my son, and pay rent, and misc expenses with this company sucking the life out of me. They act like that they are doing me a favor, however others, through other companies, make about the same and pay way less, for private loans. I never choose to go to Navient, or XXXX XXXX, or even get to select the loan, I feel like this is the biggest scam ever. All I want is help. So please help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I applied for a home loan at Bank Of America in XXXX, NC on XXXX XXXX. 
I provided insurance information and agent contact information on the XXXX unit condominium complex on XXXX XXXX. Closing documents were sent to me on XXXX XXXX for a closing date of XXXX XXXX XXXX XXXX XXXX. I learned that BAC did not want a coinsurance clause in the policy. Evidence of adequate replacement insurance was provided to XXXX but I was told on XXXX XXXX that the loan was not approved. Even if the criteria was valid, it was unfair to continue the loan process for 1.5 months and finally cite criteria that could have been known at the start. In that time period rates climbed 1.25 percent and my interest charges are significantly higher with the loan I received at another bank at a XXXX XXXX closing.

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