BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-31
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed on more than one occasion and for the past several months an account I had with XXXX that is listed on my Equifax Credit Report. Equifax continually lists my account Status as Account Included In Bankruptcy ; Type of Loan Charge Account ; Whose Account Individual Account ; ADDITIONAL INFORMATION Bankruptcy Chapter XXXX ; Bankruptcy. It should be noted that I settled the debt on this account directly with the creditor prior to filing bankruptcy and so I never had a reason to include it in my bankruptcy. Despite the fact that I have filed disputes and sent Equifax proof that my account was never included in bankruptcy, Equifax continually ignores my disputing this account and has exhibited this behavior and negligence to me over the past several months. They never provided me with any detailed explanations with regards to how they determined status on this account and they have refused to correct it despite what I tell them over the phone or through online disputing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-06
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Experian, who has established themselves as the basis for FICO scores, has gone from reporting erroneous information to not giving my credit or FICO score to potential lenders. I am trying to get a home loan and the disgraceful behavior of Experian has repeatedly prevented me from doing so. 

Making matters worse, despite the fact they provided NOTHING, they have still dinged my credit with the hard inquiries to which they did not respond.

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 2016-06-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A Tax lien was placed on my house, by state of Georgia, in XXXX XXXX. This debt was paid in full, I have attached copy of paid tax lien stamped paid XXXX/XXXX/XXXX. I am requesting this be removed from all XXXX credit report agencies from XXXX, Equifax , and XXXX under the Fair Credit Act. I have no late bill mortgage in good standing with good credit history. If State of Georgia has removed this negative report for others then I have right to have it removed from mine. I have attached a screen shot of my Equifax credit report ran XXXX/XXXX/XXXX showing it is on there as negative debt. 
Thank you for your serious consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In a previous CFPB case, # XXXX, I disputed incorrect reporting status from Equifax in regards to my XXXX XXXX XXXX XXXX XXXX XXXX. XXXX responded as follows : " Equifax has reviewed the complaint and its records. The balance on the XXXX XXXX XXXX account number XXXX has been updated to reporting a XXXX balance. XXXX XXXX XXXX account number XXXX is currently reporting a XXXX balance for this account. Written confirmation has been sent to you on XXXX/XXXX/16. '' About 30-days later, that information was updated by XXXX XXXX XXXX! Equifax again reports a balance owed and the account in open status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I paid off ALL my credit the first week of XXXX, including a travel trailer we sold. We should have a zero balance on everything. There is no outstanding debt, except my car, not even XXXX on a credit card and it shows it all and balances even higher than what I paid off. I do n't have canceled checks because it was all electronic from my savings account and the trailer was paid off by the buyer to the bank. Why is this all still showing on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a XXXX home loan from XXXX XXXX XXXX XXXX in XXXX XXXX, made payments constantly until crash of XX/XX/XXXX, missed 5 payments in a row. during the time I was unemployed my mortgage servicer transferred from XXXX to XXXX. XXXX, sent me, as they have done others, a package for modification of a loan, and upon filing the paperwork out, and also being employed again, XXXX systematically and continually denied a home loan modification or refinance option. XXXX, due to bad publicity and muilti-state claims sold the loan to XXXX, who have continually done the same thing. Over 30 faxes, and over 25 emails, my account has been locked accoring to an XXXX representative attending a home free usa workshop, two months ago. All XXXX has done is rack up interest, penalty, debt without offering and approving either a modification, refinance, or allow payments to be made on the loan. Over $ XXXX in interest and penalty. XXXX refers homeowners to government agencies such as XXXX XXXX XXXX, who take all of your information, and resubmit your information back to XXXX! 

How many others have experienced this level of fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX, XXXX reported to EquiFax in XXXX XXXX that my responsibility for the $ XXXX mortgage had been Discharged in XXXX XXXX. 
I sent EquiFax , along with XXXX and XXXX, the Re-Affirmation Agreement executed by XXXX XXXX XXXX, my husband XXXX XXXX and I to prove that the note was not Discharged. 
XXXX removed the XXXX, XXXX account from my credit file for violating FICA rules, but EquiFax , in this complaint, have allowed XXXX, XXXX to change the status of my account from Discharged, in Default, back to Discharged but Consumer Disputes this Information ; Re-Affirmed, Consumer Disputes this Information, Re-investigation in Process, to currently, Foreclosure proceedings in process. XXXX XXXX XXXX has only completed the Military Service not filed an Affidavit with the Registry of Deeds, such that Foreclosure process has not begun as yet. 
In each instance of a change to XXXX account status, EquiFax does not change the " Date Last Reported '' - it 's been XXXX/XXXX/XXXX for six years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX keeps reporting an account that is charged off and they are trying to collect on it. The original issuer sold it to them who is XXXX XXXX. Why are XXXX companies trying to collect off of the same debt. This should not be reporting on my credit report at all. It is hurting my report and Equifax has not did a thoroughly investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: DISCOVER BANK
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In XXXX 2014, based on XXXX reporting, I received a 30-day late on my monthly loan amount of {$620.00} which was due on the XXXX of every month. At the time, my payments were being managed under the agreement of my debt collection company XXXX XXXX XXXX, who was responsible for drawing money out of my personal bank account and making payments directly to my creditors. 

On XXXX XXXX, 2014, XXXX XXXX XXXX transmitted a {$620.00} payment towards my Discover Personal Loan debt. The payment was to be deemed 30-days late on XXXX XXXX. XXXX XXXX XXXX made the payment on the XXXX and Discover Loans did not recognize or process it until XXXX XXXX. When this happened, they deemed the payment as 30-days late even though it was transmitted to them on the XXXX. 

After receiving the 30-day late on my credit report, both myself and XXXX did a XXXX call to try to resolve the matter but the Discover supervisor would not work with us at all. I have since paid off this {$25000.00} loan and I had never received a 30 day late accept for this XXXX and I feel that Discover had some error in it as their system did not recognize the payment until later than expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
An unauthorized inquiry appeared on my credit report. I contacted Discover about the inquiry and it was determined that the inquiry was fraudulent. I was told that the inquiry would be removed and have a letter from Discover stating the same. It 's been 6 months and the inquiry is still on my XXXX and XXXX reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-22
Company: DISCOVER BANK
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Already submitted case # XXXX. This is an update to report further harassment. Today, XXXX/XXXX/16 at XXXX, I was again harassed to pay a late payment in error. Payment was withdrawn from my account by Discover nearly a week ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
EQUIFAX SOLD A CREDIT COMPANY XXXX XXXX XXXX A DEBT I HAD ON MY CREDIT FILE AFTER IT WAS 10 PLUS YEARS OLD WHEN ACCORDING TO FCRA LAWS A DEBT IS NOT ALLOWED ON YOUR FILE AFTER 7 YRS. WHEN EQUIFAX WAS WRITTEN A LETTER IN XXXX BY ME THAT THIS DEBT WAS FROM 2004 AND SHOULD NO LONGER BE ON MY CREDIT FILE AND TO REMOVE IT AT ONCE THEY. ( EQUIFAX ) SOLD THE DEBT TO XXXX XXXX XXXX XXXX IN XX/XX/XXXX INSTEAD OF ABIDING BY THE FCRA LAWS " NO DEBT CAN BE REPORTED ON A CREDIT FILE AFTER 7 YRS. " A CLEAR VIOLATION OF A FCRA LAW. WHEN I WAS NOTIFIED BY XXXX XXXX XXXX XXXX IN XX/XX/XXXX I TOLD THEM WHAT OCCURRED THAT EQUIFAX SHOULD OF AND WAS NOT ALLOWED BY FCRA LAW TO SELL YOU THAT DEBT AND I SHOWED THE CREDIT FILE THEY IMMEDIATELY SENT ME A LETTER STATING THEY ARE NO LONGER COLLECTING ON THIS DEBT AND I AM NO LONGER OBLIGATED TO PAY THIS DEBT. THEY HAVE VIOLATED MY RIGHT AND I WANT THEM TO REMOVE ALL NEGATIVE ITEMS FROM MY CREDIT REPORT AND HELD ACCOUNTABLE OR I WILL SUE THEM IN COURT FOR XXXX XXXX DOLLARS ALLOWED BY THE LAW ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Misleading sale practice Complaint Description : Agent XXXX XXXX pulled my credit report without my permission nor did I sign any papers giving her consent to do so. I spoke with her concerning renting one of their properties. XXXX XXXX stated it was ok for my mother to fill out the application and stated we had to pay the XXXX dollars before seeing the rental property because she had other clients who wanted the home. I and my mother asked her not to pull our credit report several times, even calling the office speaking with XXXX XXXX asking whether XXXX had pulled my credit report because I did n't want it pulled knowing that she did n't have all of my information to rent a home and she told me she would wait before pulling my credit report until she got all our information before processing with the application. XXXX told my ( Mother ) it has n't been pulling after calling her several times asking her as well, later finding it had been pulled without my consent nor did I sign any papers for them to do so period. They refunded the XXXX dollar charge because they were ask not to pull my credit report now they need to remove the inquiry. I never agreed to become indebted of the pulling of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and I am disputing the following unauthorized and fraudulent inquiries on my credit report : XXXX XXXX XXXX, XXXX/XXXX/16, XXXX XXXX XXXX, XXXX. The unauthorized inquiries do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Since XXXX over and over and over at huge expense have sent proof that XXXX XXXX is gone, forever! Despite receiving the XXXX of XXXX letters, still they put XXXX XXXX on and the XXXX XXXX XXXX for the same exact student loans. XXXX XXXX IS GONE FROM MY LIFE FOREVER, THEY SHOULD NOT BE IN ANY WAY ON ANY OF MY CREDIT REPORTS. Instead it continues to say something like " transferred to another office. '' We all know XXXX XXXX in bed with XXXX XXXX but THEY ARE NOT ANOTHER OFFICE OF THEM. XXXX of XXXX owns the loans, they are XXXX, and they are closed. The only thing that should be on my credit reports is the XXXX of XXXX, period. and they are all XXXX, and they are all closed. XXXX of XXXX said XXXX XXXX would be off last XXXX XX/XX/2014 but there they still are on all my credit reports, like I have XXXX student loans. They are duplicated on every credit report. In addition, always in deferment yet on purpose XXXX XXXX has put " late payments '' AS IF! all gone! ALWAYS GONE! We all know what crooks XXXX XXXX is and I am sick of this when THEY ARE GONE FROM MY LIFE FOREVER. GET THEM OFF ALL OF MY CREDIT REPORTS AS XXXX SAID THEY WOULD BE BY XXXX XX/XX/2014.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Transunion apparently had a security glitch. I contacted them in reference to inquiries on my account that were not mine and they told me I was not affected by the glitch ; even though they never brought it up to me first, I had to tell them I knew about it. They put me on hold to see if I was affected ; which I already knew I was but the agent told me I was n't. I have XXXX inquiries that should be on my transunion, equifax, and experian reports ; no more and no less. I have an excessive amount of inquiries that I did n't authorize or apply for on my credit reports. Please assist and advise.

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 2015-07-17
Company: Bison Recovery Group, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has called me multiple times. Today, specifically, they asked to speak to XXXX XXXX. I asked who was speaking. The lady on the line said XXXX. I said, " Ok XXXX, where are you calling from? '' She says, " BRG ''. I said, " What is BRG? '' She said, " Is this XXXX XXXX? '' I said, " What is BRG ''? She then says, " Is this how this conversation is going to go? '' I said, " What is BRG? '' She then says, " I am not allowed to disclose personal information '' To that, I reply, " Telling me what BRG is, is not giving out personal information ''. She then says, " I 'll call back later ''. This is not the first time they have refused to tell me what BRG is. Their called ID is very sketchy and says " Unbound '' followed by 5 or 6 numbers. I have never heard of BRG and have no idea why they are calling but I do n't want to even attempt to find out why they are calling if they are n't even willing to identify the company and what it is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Credit card account for The XXXX XXXX via XXXX is suddenly listed on my credit report, dating from 2003. I do not currently and have never had a credit card from The XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I started a modification with my bank in XX/XX/XXXX. I have supplied the bank with all requested documents. I faxed over they do n't receive and I refax then it 's receive it takes several weeks for a response I supply more requested information it takes again several weeks to get no response. It 's has been 7 months. I have complained to the different " relational managers '' some are rude some make notes in my file and others just do n't care. They refuse my request to speak to a supervisor saying they ca n't assit you they will say what I 've said to you. Each day week and months delay creates a further financial hardship. I have paid the amount requested on my loan statement but they the bank and its representatives continue with delays as a form to discourage me. The continue to say as excuses " we have many files, it takes time '', '' the processing team has your file the underwriter will reject your file, " the gatekeepers will recieve your file soon. I did not pay my XX/XX/XXXX mortgage I do n't know what to do. Please help me. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: FIRST NATIONAL BANK OF OMAHA
State: SC
Product: Credit card
Issue: Advertising and marketing

Complaint:
I recevied a credit card offer from First National Bank of Omaha for 0 % APR on balance transfers for the life of the balance with no annual fee. The balance transfer portion of the account was re-priced to 17.99 % with no prior notice. I had no late payments or over-the-limit transactions. A notice of a {$49.00} annual fee being imposed on the account was also received on XXXX/XXXX/15. I believe these actions are in viloation of the Unfair and Deceptive Advertising Practices Act ( UDAP ), and I 've closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: U.S. BANCORP
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
US Bank Home Mortgage continually calls me, as much as ( 4 ) times per day at my desk at work. They call XXXX, which is my work cell phone. I am delinquent nearly 30 days on my mortgage. I have spoken with a US Bank home Mortgage representative each day since XX/XX/XXXX and run through my financial information and the fact that I have moved to XXXX from XXXX after losing my job in 2008. I have kept up the mortgage payments since I lost my job utilizing my savings and my 401k funds, which are both now exhausted. 

I do have an offer on the home ( finally ) pending. I have asked them to stop calling and to see what happens after the home is sold where upon I can satisfy the mortgage in full. No kidding, their representative XXXX ( ID # XXXX ) told me they will call as much as once an hour until I satisfy the mortgage. This needs to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: U.S. BANCORP
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I received a {$75.00} Master Card gift card XX/XX/XXXX. XX/XX/XXXX I proceeded to use the gift card at a restaurant where I was advised by the waitress that the card did not have sufficient funds. I immediately went onto the web site listed on the card and I come to find out that the card was registered to XXXX XXXX where this person made XXXX online purchases, one with XXXX XXXX and the second with XXXX. The remaining balance was {$15.00}. I called the customer service number on the card to advise that the charges were fraudulent. The customer service rep XXXX told me that before they can reissue me a new gift card I would have to send proof that I was the owner of the card. I was told to send a copy of my drivers license and a copy of the front and back of the gift card - proving I was the owner of the card. I faxed all of these requirements within 24 hours. Once month later I received a letter stating that they would not reissue a new card because the charges were over 120 days old. This company not only would not reissue a new card they also blocked the usage of the remaining {$15.00} on the card. I was advised that I would have to dispute these fraudulent charges with the vendors. These charges were made XX/XX/XXXX and XX/XX/XXXX, I reported the issue well with 120 days yet this company will not follow through and reissue a new card. I need your help to obtain a replacement gift card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-28
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In early  XXXX , I believe it was  XXXX   XXXX , ou r Visa ca rd, issued through   PNC Bank, was hacked. There were multiple fraudulent charges within a matter of minutes. PNC did a great job of cancelling that first card and not holding us liable for the charges. They initiated a new card which took about a week to get to us.
My complaint is that even though the card was closed because of Fraud, VISA   still gave out our new card information to  XXXX   XXXX , which wa  s one of the charges reported as fraudulent. When we saw it we immediately called PNC and they told us the only thing we could do was to get yet another new credit card. My biggest fear is that VISA will once again give out our credit card information without our permission.
I am an accountant and an auditor by education and I am floore  d that there is not an internal control that would prevent this type of thing from happening.

Company response to consumer: Closed with explanation