BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a letter from Discover bank stating that i owed {$5200.00} for this credit card on XX/XX/2022. 

I never applied for or received a credit card from this bank. 

I have received credit reports from XXXX, XXXX and XXXX and have disputed this information with them as well and they have come back to me stating it has been verified as belonging to me. 

I wrote a letter demanding that they show me an application that bears my signature. 

I did not receive anything other than a generic response stating : at that time were provided with a name and address and other identifying information. 

This account is not mine. I did not apply for credit with this bank and i have received a XXXX form for this debt. I will not be responsible for this account and i want it removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX XXXX XXXX said that they requested for this account to be removed because it was not my responsibility to pay. Medicaid said they are the ones who have to take care of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 've sent XXXX XXXX XXXX And Equifax multiple requests regarding removal of an old mark on my credit file regarding an old Student XXXX through XXXX XXXX XXXX that was paid/closed. 

Accordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way. 

I have attached copies of correspondance and a copy of a draft complaint which I intend to file if Equifax is unwilling to directly resolve this issue.

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

Complaint:
On Equifax, there is still a " XXXX, TX '' address. I have never even been to Texas. That is not mine. I contacted someone in the past, it must have been XXXX, as I see it is not on that one anymore. I need that removed. I have paid off XXXX large debts within the past 3 months and my credit score keeps going down. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: CMG MORTGAGE, INC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Have not received XXXX for closed loan ending XXXX. Contacted CMG through the portal on XX/XX/2022 requesting document status. Received reply on XX/XX/2022 that the document center was not available and XXXX had been mailed. 

Sent second inquiry on XX/XX/2022. No response. 

This document is needed for tax filing and the respondent is required to send it if interest paid is over {$600.00}. Interest paid on loan ending XXXX was over {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I applied for credit line increase and I was denied because the bank told me that 's I had a previous credit card back in XX/XX/2004 and I explain to bank of Americ I did n't open this card and send me a fraud packet and I never received it and I called again and they could n't find any records that I applied for credit line increase or a credit card I feel like this is n't right nor its fault I currently have the secured credit card and I made all my payments on time and early and I do n't get rewarded for my hard work and they wont increase my credit line I explain to bank of America that my credit score is XXXX and I do n't have any outstanding debts on my credit report I want a credit line increase and they refusing to do so

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 2016-01-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
These inaccuracies are damaging my credit score which is causing me serious personal and financial hardship. 
I am, therefore, requesting that your agency assist me in this matter. 
For the past several months, I have been disputing several inaccuracies that are XXXX in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am buying a house and the mortgage company reported that they were only able to see XXXX ( XXXX ) score. That score is by Equifax. I tried to purchase a XXXX bureau credit score by Equifax but instead they send me a copy of my credit report which I already have from the mortgage company. Equifax has a policy that if you purchase a one time copy of your scores or report it is non-refundable [ Buyer Beware ] .Their XXXX bureau score report is XXXX Neither XXXX nor XXXX scores are available. I would be able to get a better rate if those other scores were available. We tried myFico ( twice ) and called XXXX/XXXX/16 and the same problem. I have tried twice and gave up. When I try to go online and purchase those scores, they are always unavailable and they refund me my $ XXXX.Twice!! 
The agent at XXXX said he can see my score. But when I tried XXXX.com, they want me to purchase a 7 day Trial credit monitoring subscription and then {$19.00} thereafter before I can get my score. I refused because I only want a copy of my score which the agent says cost {$9.00}. THERE IS NO EASILY VISIBLE LINK ON XXXX to purchase such a score for such a price. To date I am still unable to get my scores

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
this is an account for {$470.00} medical bill that was covered by XXXX XXXX because I did n't have insurance and it was suppose to be 100 % covered. it was investigated by the Credit Bureau 3 years ago and removed and then it showed backup on my reports a few moths later.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am buying a home with the closing scheduled for XXXX XXXX, XX/XX/XXXX. When my loan officer recently tried to access my credit report info with XXXX and Equifax, he found that I was classified as DECEASED on XXXX agencies ' records. This apparently happened when XXXX Bank reported my husband 's death in mid XX/XX/XXXX to the credit bureaus. ( He and I held a joint home equity account. ) It is imperative that the deceased designation for my name be removed at once so we can continue to prepare for the house closing. Both XXXX and Equifax indicated that XXXX made this report but XXXX denies having submitted info that I was deceased. I just need to have this issue expedited and resolved ASAP. XXXX agencies indicate that the issue can be resolved but it will take up to 30 days. As of today it is only 22 days until my home purchase closing, so I am panicking.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have an account with XXXX I opened an account to them back in XXXX for a furniture cost {$4600.00} and agreed to pay {$140.00} monthly payments and have financial struggle back in XXXX for at least 6 months and I tried to catch up with all my bills and they agreed to accept my payment arrangement to pay them for {$140.00} XXXX last payment was made is {$140.00} for the month XXXX XXXX and my remaining balance is {$1100.00} and COMPANY REFUSED TO UPDATE MY CREDIT REPORT REFUSED TO UPDATE MY BALANCE ON MY CREDIT REPORT IT SHOWING THAT I OWED {$2000.00} ISNTEAD OF {$1100.00} AND I AM PAYING THEM MOTNHLY COMAPNY SAID HTEY WILL ONLY UPDATE MY CREDIT REPORT IF I PAID IT IN FULL REGARLESS OF MY BALANCE RIGHT NOW.. I dont thind this is fair for me that I am trying to pay my bill to them same as my other outstanding bill I hope I can get this fix

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a hardship with Covid was encouraged to skip payments and was told after the 18 months that there would be an easy process to resume making payments. After 18 months I called dozens of times while waiting on hold for hours at a time was told a different story every time and then after four months was told that I would have to fill out a XXXX page application and submit documentation of income and other things to be considered to resume payments, I did as was asked and then called multiple times was wasn't told there was anything I needed to do. A month or so later I get a letter saying I didn't provide enough information. I called and told them what had happend and they said I need to start the process over again and so I did this time including my W-2 's as well as paystubs showing I personally make over {$80000.00} a year and want to start making my {$400.00} loan payment. The then tell me that my application is incomplete cause my reason for hardship wasn't what they wanted ( no clear understanding of what they want ), that they don't have my home loan information from where I live ( never asked for it ) and they want paystubs and from my wife even though I make more than enough to pay the loan, then after asking me for all of this I get a letter from a debt collection law firm demanding payment of my loan in full in two weeks or else. I have spent hundreds of hours being mislead and fighting with this company and I am tired.

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 2017-01-26
Company: Markoff Law LLC
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Markoff Law LLC added my sister 's {$12000.00} debt to my credit report which resulted in a plummeting credit score. After calling to inquire and to ask for something in writing to confirm it was n't my debt, XXXX, the representative, responded that it was for sure my debt and they have been garnishing my pay check since last year. I had to remind her several times what my name was and what my sister 's name is. She took my information and promised to contact me after doing a further investigation, but that contact was never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax has been reporting a student loan balance and liability for me in excess of {$120000.00} and payment terms that are also inaccurate because I am a participant in the Public Service Loan Forgiveness Program due to my status as XXXX. I have asked them repeatedly to correct the student loan information showing XXXX XXXX account with the following notation ( which is less than XXXX words ) : '' The debtor is a XXXX of the United States and due to that status, he participates in the public service forgiveness program for student loans. Under that program, the debtor need only make 120 total payments over his XXXX career in order to have the loans completely forgiven. Thus, the outstanding balance on student loans being reported in this credit report is inaccurate and much higher than the debtor 's actual liability which is simply 120 payments of {$620.00} each less the number of qualifying payments he has made since XXXX XXXX, 2007. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Experian Information Solutions Inc.
State: RI
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:
I signed up with student loan relief to reduce my student loan payment and I have been paying {$46.00} a month for a very long time. I was told that {$10.00} a month would be going towards my principal and the rest was the fee to pay the company for the service. I believe that they altered my information with the federal loan servicing. I was not aware that nothing was being paid and now my loan is in collections. I was never contacted because my personal information was changed somehow. I had no idea my loan was in default. Every month, the money was taken from my account. I was a victim to their scam. I want others to be aware that student loan relief is not legit. I have tried to call this company several times, with no response. I am always told, no one is available.

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 2017-04-26
Company: EQUIFAX, INC.
State: RI
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:
I signed up with student loan relief to reduce my student loan payment and I have been paying {$46.00} a month for a very long time. I was told that {$10.00} a month would be going towards my principal and the rest was the fee to pay the company for the service. I believe that they altered my information with the federal loan servicing. I was not aware that nothing was being paid and now my loan is in collections. I was never contacted because my personal information was changed somehow. I had no idea my loan was in default. Every month, the money was taken from my account. I was a victim to their scam. I want others to be aware that student loan relief is not legit. I have tried to call this company several times, with no response. I am always told, no one is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On  X/XX/2017    my roommate reported that I needed to ca ll Citi Cards to pay  my debt. They discussed the details of debt including amounts. I have not given permission to speak to anyone other then myself regarding my debt. They have violated my privacy and put mt in an uncomfortable position.

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 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The credit card balance reported for XXXX XXXX XXXX account ending in XXXX is incorrect. Please update with the accurate balance of {$460.00}.

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 non-monetary relief
Consumer complaint received 2016-10-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been working on my credit report for the past two years, I came close to completing the task in XXXX of XXXX. I state that I came close because shortly after that XXXX XXXX XXXX decided to insert a collection account into my credit report. I did n't receive any documents regarding the debt beforehand and was caught completely off-guard. I called the company and was told that I owed a debt to XXXX XXXX XXXX XXXX. In an effort to check into the matter, I visited the hospital and requested any information pertaining to the alleged debt. There was no debt to be found, the original debt was incurred in XXXX and had already been paid by my insurance provider. At one point in the multitude of times that I have tried to plead my case with XXXX XXXX XXXX XXXX the account was removed from all of my credit reports. Months later, they decided to re-insert the collections account onto all but XXXX of my credit reports. It appears that this company plays by their own rules and figured that I would n't notice what had transpired ... as if they could simply attach that same account to my report again in hopes that I would pay without questioning their allegations. I have never retained services from these people, I have no contract with these people, and do not have in my possession any documents showing that XXXX XXXX XXXX XXXX XXXX XXXX XXXX have rendered any services to me that require payment. Prior to filing my dispute, neither my husband or I received any information regarding this account that would have allowed us to satisfy the alleged debt before reaching the point of reporting. I feel that my rights have been violated and plan to fight this injustice until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: Focus Holding Company
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: PLANET HOME LENDING, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a divorced mother to XXXX wonderful children. My ex-husband is a Veteran. In XX/XX/XXXX, we purchased a home using his VA entitlement. In XX/XX/XXXX we had to modify the mortgage after I was placed on XXXX due to a XXXX and was unable to work. We were able to afford the payments after the modification. However we separated in XX/XX/XXXX and he agreed to maintain the payments for the marital home. I maintained the payments for the condo where the children and I are currently living. During divorce proceedings in XX/XX/XXXX, I was advised the property was in default due to nonpayment of mortgage note since XX/XX/XXXX. He was subsequently awarded the home and I was awarded the condo. He was awarded sole liability and responsibility for the marital home from XX/XX/XXXX onward. A Quit claim was filed to him. He was to remove me from all liability associated with the property. He has not done so. I contacted the mortgage company, Planet Home Lending , LLC. The Loss Mitigation specialist advised that " there is nothing we can do for you. You will need to pay the outstanding back mortgage and he would have to refi, modify the loan or sell the property thereby removing your name. '' I advised her that his VA entitlement guarantees the loan in case of default. I was again advised that I will continue to have negative the reporting on my credit associated with the property because I am listed as a co-borrower on the loan. I advised her that the unfair negative reporting practices of Planet Home Lending , LLC. is causing me severe credit casualty. I 'm asking for any relief because the VA has already affirmed that his VA entitlement insures the mortgage against default, the home was awarded to him in the divorce, he has assumed all liability from XX/XX/XXXX to present and I have already Quit Claimed the home to him. I understand that the mortgage is still in effect until he completes the modification process. I 'm just asking for the negative reporting to the credit bureaus to stop. Please provide any assistance you can so I may also move forward and provide for my family. Thank you.

Company response to consumer: Closed
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX has stolen my info. Tried to chase this guy down, but he died before I got resolutions. He lived in XXXXTx at the time I lived inXXXX. I applied and received XXXX from XXXX while this thief was using my social sec number. I tried to contact the Social security adm but was ignored!!! Now he is dead and myife is still being wrecked by his illegal use of my info. Do I have to XXXX  also to be relieved of this 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