BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My daughter XXXX XXXX, that is with me in the mortgage, was trying to refinance her apartment and her bank denied saying she had a debt of {$7.00} XXXX in the mortgage of my house. I called XXXX XXXX XXXX Bank and they told me to call XXXX. XXXX told me, more than a month ago, they will check and fix the problem. My son in law sent to XXXX XXXX XXXX XXXX XXXX XXXX from the XXXX. of XXXX of XXXX the report of the investigation Equifax did. After that XXXX XXXX never answered my calls, in spite I have been calling her and leaving messages several times. I spoke to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX ( XXXX XXXX XXXX XXXX, they do n't give me an answer either. Yesterday, XXXX told me to email him a copy of the report. I already sent that report for thee second time. 
I feel desperated. I am getting sick. I want an explanation. My mortgage is in Bankrupcy because my huseband filled for Bankrupcy, but he is not in the mortgage or in the title of the house. Because my mortgage is in bankrupcy I ca n't see my account in internet. I have to pay and nobody tell me what month I ' m paying o what is going on with my mortgage. XXXX NEVER sent me a letter letting me know about that debt that I DO NOT KNOW WHERE IT COMES FROM. They 're delaying the answer and this is afecting my credit and my daughter 's credit. 
I ask you to help me, please. I do not has a debt of that amount. Somebody needs to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
My information was compromised, someone applied for multiple credit but none of the application were approved as I had an alert on my SS #. Although they were unable to open any accounts the inquiries still show up on my credit reports. I have attempted several times within the last year and a half to dispute and have an investigation done but I have never gotten a response. The latest dispute was submitted  XX/XX/2017    and still I have no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I asked for a dispute on XXXX for XXXX XXXX XXXX of Deed about a tax lien placed on my credit report. I called the number listed and it was the wrong number, I found the XXXX XXXX XXXX of Deed office and they did not have a tax lien against me. I gave that information to Experian and they refuse to remove the item, nor did they follow up on the information. I again am trying to dispute this item and they refuse my dispute. The same information was given to XXXX and XXXX and they verified and remove the line item on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX and XXXX reported my accounts to XXXX for checks being returned and causing overdrafts. It was not my fault those checks returned. They penalized me for a check someone else sent me.

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 2015-08-06
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is company on my credit report - LVNV Funding LLC reporting an account with the EXACT same account number that I submitted a complaint about earlier from XXXX XXXX that I do not recognize. I 'm guessing it is a collection agency but I do not know. It was reported XXXX and the status says " chargeoff or collection '' with a balance of {$2100.00}. I do not have anything with this account number not have I ever heard of LVNV Funding LLC .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I XXXX XXXX states a complaint to the Consumer Financial Protection Bureau on a very poor reinvestigation by one of the largest credit reporting agencies. Even though I showed proof that a modification on my mortgage was approved several years ago as I was going through a divorce, the mortgage servicer maintains a continuous 180-day late payment history. The same credit rating states PAYS AS AGREED. This is highly discriminatory. I am a professional XXXX American woman and I find this type of credit reporting to be racially biased and I have XXXX chance of ever refinancing with this abusive rating process. All credit reporting agencies have a responsibility to maintain the strict standards of not only the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, the Fair Debt Collection Practices Act, in addition to the high standards of equal rights protections such as the Equal Credit Opportunity Act. I believe that the Federal Trade Commission should have a full investigation on racial inequality when it comes to credit reporting processes and that all credit bureaus should maintain the sensitivity that is essential for fairness pertaining to matters of race. My previous complaint brought no action, even though the negative payment history must be deleted permanently. If I do not receive the proper reinvestigation by the credit bureau against XXXX, I will proceed a complaint with the attorney general of my state residency. This improper reporting process is causing me hard financial hardship that can only be understood by minorities such as myself trying to better their lives through education, and working several full time jobs and raise a family at the same time. My credit report needs to have the negative payment history purged permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed an account with Equifax and provided proof directly from the creditor that I never paid said account late, yet Equifax completed my dispute as they have verified the item belongs to me. Equifax also stated that there is no historical account information currently on this account. 1. I never disputed ownership of the account. 2. they did n't remove nor address the late payments, and if there is no historical account information, how can they justify leaving a late payment. 
In addition to all of the above, this account was previously reported 30 days in error by the credit grantor, and was subsequently corrected in XXXX of 2014. Now, Equifax is re-reporting this and I have no idea why and why they are n't accepting the documentation I 'm sending them. I do n't understand what 's the point of them acting like it 's to a consumer 's advantage to submit documentation during a dispute if it 's not going to expedite or assist in the resolution of said dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is reporting an account with XXXX XXXX twice and both are showing charged off with a balance. There was only one account and I have spoken to several people at XXXX XXXX about this issue. XXXX XXXX indicated there was just one and there was no balance because it was an account they were given from a different company. The letter that I received from XXXX XXXX and forwarded to all three bureaus shows there is no money owed along with a contact person 's name phone number. I do n't understand why Equifax continues to report it twice and with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
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 was never notified that the payment I made in an auto loan was returned ; resulting in a late payment. Also, the consigner of the loan was never notified ; therefore, there was no opportunity for the payment to be made before it was reported 30 days past due on their credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
So I am being sued for  XXXX  $ dollars for  XXXX   XXXX   XXXX .   Saying I owe all that mon ey. Fidelity Creditors h ave been contacting my work and my cellphone saying I will be sued for this balance. I told them I do not have the money to pay for that. They said if i do n't pay they will sue me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax credit report XX/XX/XXXX : they have not deleted fraudulent soft inquiries for XXXX done XX/XX/XXXX for fraudulent credit card application, and for XXXX done XX/XX/XXXX that resulted in an actual account being opened in another state that was fraud. I want these soft inquiries deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
i complained about this company on XXXX/XXXX/2015 and they asked me specific case that i am disputing,,, i am disputing on XXXX Card on My file they changed the payment dates several times Only ON XXXX, it shouldve Fallen off long time ago but some how they have acces on youre data and change the last payment time which is wrong,, Also i had XXXX accounts on My record which Fallen off due to statue of Limitation but still you reporting the original creditors on my record which has a wrong date on it and these accounts are Showing as Closed accounts but still in my record the XXXX accounts are the ones i am Talking about since XXXX agreed and stooped Reporting XXXX also suppose to Follow not stay in my recordthank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My complain refers to Equifax which incorrectly reports balances discharged in bankruptcy. More specifically, this refers to balances reported for credit cards issued by XXXX ending with XXXX and XXXX. I was trying to resolve it through Equifax however, Equifax does not let me to access my credit report although I answered security verification questions correctly. I was recently denied a credit card because of this incorrectly reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Yamaha Motor Finance Corporation USA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased  a used    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Motorcycle  from  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , GA.  XXXX  During the process I was asked if I wanted to purchase their extended warranty, at a cost of {$2000.00}. I said no. I had someone with me as well who also will attest I said no. I have a document from the company where it says I declined their warranty.   And yet I have a {$2000.00} addition to my loan without my consent. I called  XXXX  at  XXXX   XXXX  and complained about this, stating I had refused the warranty, after I questioned what the amount in " Taxable/Other Non Taxable " was. She said it was for taxes on the motorcycle and the warranty. I told her i refused the warranty, signed off on refusing the warranty and wont take the motorcycle under false pretenses. She simply said " Oh, sometimes they make you take a warranty.. to get the loan '' .. I said I was never TOLD I would be taking the warranty whether I wanted it or not. The documents SHOW i refused this warranty. I was suppose to hear back from  XXXX , she has declined to call me. I called several times, trying to reach her, left messages to the effect I refuse this loan agreement, this is tantamount to loan fraud, and demanded they remove this warranty from my paperwork. They also " padded '' their document fees and " Freight and prep '' fees to the tune of nearly {$900.00} on a USED motorcycle. THERE IS NO FREIGHT AND PREP. they didnt PUT anything together, they didnt even change the oil or air filter or spark plugs. there was no " PREP or FREIGHT '', the motorcycle was traded in. This is an outrageous extra charge to deliberately " Back door '' the buyer ( Me ), as they had a low FRONT end price on the bike, and had every intention of swindling the buyer on the backend.     At NO TIME did  XXXX  go LINE BY LINE and explain the " extraneous charges ''. I had been held up for  3.5  HOURS, was the end of the day, was after I got off work, and they simply used this against me in my signing off on what I thought was a simple loan. The Amount I financed I THOUGHT was the total WITH INTEREST ... I was charged an additional {$6200.00} ON TOP of the {$3500.00} I put down on a {$6800.00} MOTORCYCLE.     This is dealer deception and backroom swindling at its worst.     I told  XXXX  if they refused to take this charge OFF my account, then I wanted a full refund of every penny I put into this bike, some {$4700.00} so far, and they could come and TAKE THE MOTORCYCLE ...   I have yet to hear back..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-31
Company: M&T BANK CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted repeatedly by M & T bank about an amount I owe to them from an account that was never opened by me. My account with them was closed in 2020. They have reported this debt to collections, lowering my credit score!

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 2017-05-17
Company: Experian Information Solutions Inc.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
For almost an entire year, I 've been trying to work with Experian to delete inaccurate information from my credit report. I sent disputes in writing on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX .     Experian is reporting that several of my accounts were " Included in bankruptcy '' but that is not accurate.     The only accounts that were included in bankruptcy have already been deleted from my credit report by the credit grantors.     The following accounts need to either be deleted or updated as closed and " paid in full '' accounts :  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX    XXXX   XXXX    from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  I am requesting validation from Experian because this is not the information I receive when I contact these companies individually. For months, Experian has disregarded my disputes as frivolous and they ask me to contact the companies because according to their investigations, the reporting is accurate.

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 2021-02-07
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX Was facing foreclosure at a residence i shared with past girlfriend with children. Joined in re financing to help save her house. i feel like i was never made aware of how poor our new loan was going to be. Think back in XXXX the house was worth XXXX my payments went up approximatly XXXX dollars, from XXXX a month to XXXX a month and i owe more now then before. Think last time i checked i owed XXXX so on this 30 year loan i feel like i am totally getting taken advantage of. Couldnt ever disagree. would have lost her house. Ive exspressed how much i thought i had the worse loan any one could evr have. they could care less. Wells Fargo.

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 2022-10-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX has been reporting inaccurate information to Experian, XXXX and XXXX. All of my attempts to correct the reporting with XXXX and all 3 credit reporting agencies has failed. XXXX  has not responded at all and the 3 agencies just send me an general response saying the information has been verified without giving me the proper proof. 

Letter written to XXXX XXXX on XX/XX/XXXX requesting for validation pursuant to the FDCPA and the FCRA along with the corresponding local state laws. They have yet to respond. 
XXXX XXXX sent to XXXX XXXX on XX/XX/XXXX requesting for validation pursuant to the FDCPA and the FCRA along with the corresponding local state laws. 

Dispute letters sent to XXXX in regards to the above XXXX  account reported on the following XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX. My name, dates, amount owed and last payment dates are wrong and constantly change on their report. XXXX continuously reports that the account is verified without any proof. 

Dispute with XXXX and Experian sent in regards to the above XXXX  account on XX/XX/XXXX, XXXX and XX/XX/XXXX notifying them that My name, dates, amount owed and last payment dates are wrong and constantly change on their report. XXXX continuously reports that the account is verified without any proof.

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 2017-05-17
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I understand that the law is civil judgments and liens can stay on credit for seven years. Seven years is entirely too long for consumers to be able to regain credit acceptance. Although the law will change  XXXX   XXXX  this is for new debt. What about past debt? Working for a mortgage company you can even buy a house 3 years after you file bankruptcy! Why is the negative impact of judgments allowed 7 years to ruin your life? 7 years is absolutely  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 non-monetary relief
Consumer complaint received 2015-08-06
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been HOUNDED by a XXXX collection agency for more than 6 years now. I disputed the collection with Equifax since they keep holding on to and posting this collection against me! NOBODY SEEMS TO BE LISTENING to the fact that this debt and all others were included in a bankruptcy filing in 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: EQUIFAX, INC.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
For almost an entire year, I 've been trying to work with Equifax to delete inaccurate information from my credit report. I sent disputes in writing on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX .     Equifax is reporting that several of my accounts were " Included in bankruptcy '' but that is not accurate.     The only accounts that were included in bankruptcy have already been deleted from my credit report by the credit grantors.     The following accounts need to either be deleted or updated as closed and " paid in full '' accounts :  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX    XXXX   XXXX   from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  I am requesting validation from Equifax because this is not the information I receive when I contact these companies individually. For months, Equifax has disregarded my disputes as frivolous and they ask me to contact the companies because according to their investigations, the reporting is accurate.

Company response to consumer: Closed with explanation