BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-16
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
XXXX accout information is to be removed. XXXX and XXXX acted immediately. Equifax is still draggin it out and has not removed the item from my account as the others already have causing me to lose financing for the house my wife and I purchased. 

,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The resolution of the previous complaint was in my favor, and equifax reported the proper XXXX balance on my credit report. However, I checked my credit report again, and the original incorrect balance is posted back up again, three months later. Apparently, equifax forgot that they agreed to report the proper balance of XXXX dollars. I want this fixed as soon as possible, with the same resolution ( XXXX balance reported and not currently charged off ). 

Original Complaint is as follows : " Fell behind on debt, and XXXX issued me a 1099-c and forgave the debt. Included 1099-c forgiven debt as income on taxes 3 years ago. Recently, this supposed debt to XXXX popped up on credit report. There was a past due balance on the credit report. Filed disputes with all three credit reporting agencies, and after several disputes and sending all of them a copy of the 1099-c showing that the debt was forgiven, both XXXX and XXXX changed my credit report to properly reflect a XXXX balance on that account ( XXXX still refuses to stop reporting a balance on the debt to all XXXX reporting agencies, even though it was forgiven ). However, Equifax has refused to make the appropriate changes even though I have submitted all the information and the copy of the 1099-c. Equifax told me over the phone that they basically report anything that XXXX tells them to, even if it is false information. They said they could not change the report, even when there is concrete evidence that the debt was forgiven. This is absolutely not true. I warned Equifax that if the information was no updated accordingly ( Equifax has a legal duty to report the truth after their investigation, not just anything that XXXX tells them to, regardless of veracity ), I would contact the CFPB, and they would be able to sort this mess out. I have documentation of the 1099-c, a copy of the letter I wrote them, and a copy of the Equifax investigation result, which did not change anything. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: Experian Information Solutions Inc.
State: CA
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:
Submit again : the Experian just closed the case. He ask me to sumbit my details but no email address. How can I do? Where should I send my information? Just close the complaint case is over? 

In 2020, a company named XXXX XXXX inquiry my credit many times. And, it send many letter to my home. I dont give the permission to this XXXX XXXX inquiry my credit. I am worried about it. Please give me support. 

My email is : XXXX 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
Consumer complaint received 2015-08-04
Company: CORELOGIC INC
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I never signed nor endorsed any contract or applications that gave authorization to this company that created multiple inquiries into my credit profile. Someone has unlawfully used my name, unambiguous information and endorsements. Additionally the company did not have a permissible purpose to inquire into my credit profile. These inquiries were done without my knowledge, authorization, consent and or signature.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax changed the name on my credit file after XXXX fraudulent credit application. The name used on that fraudulent application was incorrect and not a verified alias. They refused to change it back to the correct name when I reported the identity theft to them unless I submitted a copy of my social security card, but did not offer a secure way to do that. They informed me that if I applied for credit using my correct name they could change it back, but a valid police report was not acceptable to fix it. The person that fraudulently used my social has continued to open accounts and even accessed my existing accounts. I believe this theft may have been unintentionally aided by the incorrect information at this major credit reporting agency. I have not been made aware of Equifax doing any sort of investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
Equifax Credit Bureau reported XXXX hard inquires from XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted XXXX Equifax and XXXX multiple times to reports multiple inquiries on my accounts are not mine and not authorized. To no positive outcome they keep telling me there is nothing they can do. This issue is deeply affecting my credit and is unfair to me. I would like for these unauthorized inquiries be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Your recent claim stating you validated regarding a closed auto loan account # XXXX, which you claim I owe {$10000.00} and a closed credit card account # XXXX which you claim I owe {$10000.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I have mailed out once again a certified letter tracking # XXXX stating this request. I have also talked to Navy Federal Credit Union agent of this matter and sent police report, affidavit, id, proof of address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Services used unscrupulous and deceptive practices to try to collect a debt. 
1. Unending calls even after I advised them to stop calling. One call came while I was in hospital being treated for a serious illness and the collector would not get off the phone. 
2. Debt collector fail to provide details and proof of debt even after being ordered to do so by the court. 
3. The collector intentionally shared misinformation about a continued court date, which I relied on and they showed up to court and secured summary judgement. 
4. Debt collector failed to negotiate in good faith. We made an offer, under duress, in the hospital just to make them go away. And they responded affirmatively with a letter that quoted an offer which was three times the amount that I actually offered. 
5. Debt collector continued to pursue action even though they were advised that the debt was not mine and further that I had retained counsel for the purpose of bankruptcy in XX/XX/XXXX and they refused to contact her. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have submitted my request to equifax in regards to the abuse of my credit profile with the collection agencies on my report and they along with the collection agencies do not want to comply with federal laws regarding debt collection practices in regards to billing, collections, medical debt they investigate it and no matter when the law is right they refuse to correct the errors on my report be purging the information from my credit record XXXX. I have asked them to supply me with the information of the individuals they have contacted regarding the alleged debt and they have refused profusely. Each time they expect their clients to tell the truth and when they lie they take their word as truth instead of asking for the original paperwork, billing or alleged contracts that they said that they have in their posession before the alleged debt was sent to them. I want with information from them and its refused each time now i am forced to go to get an attorney to sue the collection agencies and well as them for reporting such debts that i dont owe due to the bills being paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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:
I have submitted all the document to TransUnion that they requested, and I have also included them as attachments HERE MULTIPLE times regarding my bankruptcy case, showing that XXXX was listed in the bankruptcy, notified, and DISCHARGED. THAT MEANS that XXXX  CAN NOT SELL A DEBT TO XXXX, so BOTH XXXX and XXXX need to come off my credit report immediately. 

TransUnion even went so far as to block me from being able to log in on their websites and when I called them, they said I was " ineligible '' for online services. I don't know how anyone can be deemed " ineligible ''. A company can collect and keep MY personal information, information that affects MY life, and yet they can BAN me from seeing it, even if I am willing to PAY for their services. 

They will also only let you dispute 1 item at a time, which is also WRONG. So, I have no choice but to continue to complain and force them to do their job through CFPB. 
Attached are all the supporting documents showing the bankruptcy, on PAGE 19, XXXX was listed as a creditor, the discharge from the court says ALL student loans were discharged. XXXX DID NOT show up to the meeting of the creditors to stake any claim. They can not sell off a discharged debt 3 years after bankruptcy. THEY ALSO can not CONTINUE to report it as COLLECTION or LATE PAYMENTS! WHILE AT THE SAME TIME, the COLLECITON COMPANY is doing the SAME THING! 

THIS should be MORE THAN ENOUGH to ONCE AGAIN show that these companies are breaking EVERY FAIR CREDIT REPORT ACT law, not to mention the PROTECTION that was GIVEN TO ME by the UNITED STATES BANKRUPTCY COURT when the CHAPTER XXXX Bankruptcy was discharged. 

REMOVE XXXX AND XXXX  from all credit report agencies IMMEDIATELY and let me have the protection that was RIGHTFULLY given me under BANKRUPTCY law. If XXXX bought a bad debt from XXXX after discharge, they need to take that up with XXXX for breaking BANKRUPTCY law. THEY are NOT allowed to come after me 3 years later just because XXXX chose to try and send it to someone else after Bankruptcy to try and collect on. I am tired of XXXX and XXXX reporting this as COLLECTIONS/PAST DUE. I WANT THEM REMOVED IMMEDIATELY!

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 2016-01-11
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my ex husband and his lawyer sent a subpoena to my mtg company for my application, payment history etc and seterus gave it to them, this is not a court order just a request from my ex husband who is not on my loan and never has been the home is in my name only and bought before we were married, my ex husband now has all my personal information and mtg information this was given to him in XXXX 2015 I just found out he had this information because he used it in court for our divorce / custody battle we have now. I do n't think he has the legal right to this information and that seterus committed third party disclosure of my info. had a court or judge ordered this I would understand but none of that was done. even the judge was shocked he had this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
This correspondence is not to be construed as in any way agreeing or admitting to owing any debt. 


In XXXX XXXX a Discover credit card was opened in my name and reported on my credit report. ( Acc # : XXXX ) XX/XX/XXXX was the date of last payment and the end of all activity on the account. As of XXXX XXXX, the account was listed as " closed/charge off ''. 

XX/XX/XXXX this item was removed off of my credit report because it was past the XXXX XXXX year threshold for reporting bad debts. 

XX/XX/XXXX I received notice from the Federal IRS that a XXXX form was submitted to them XX/XX/XXXX for the above listed debt- nine years after the date of last activity. 

The rules of issuing a XXXX form are clear. XXXX forms are to be filed NO MORE than after a 36 month nonpayment testing period expires. That non-payment testing period ended XX/XX/XXXX, and furthermore was past the statute of limitations ( For Wisconsin, where the debt was supposedly incurred ) in XXXX XXXX. 

I formally request that Discover Financial Services notify the Federal IRS that the XXXX form was issued in error and is to be withdrawn. 



Furthermore, in XX/XX/XXXX I attempted to contact Discover Financial Services about the inappropriately filed XXXX form and was transferred to an active collections department without my knowledge. In the state of North Carolina, which is where I reside the law is clear, and Discover Financial Services was in violation of : North Carolina Fair Debt Collection Practices Act XXXX XXXX XXXX. Deceptive representation. 

Failing to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector It appears that what has happened here, is that Discover Financial Services has purposely issued an incorrect XXXX form with the intent to coerce payment through unconscionable means on a debt that is well beyond the statute of limitations. This also is in violation of : North Carolina Fair Debt Collection Practices Act 58 70 115. Unconscionable means. 


1 ) Seeking or obtaining any written statement or acknowledgment in any form containing an affirmation of any debt by a consumer who has been declared bankrupt, an acknowledgment of any debt barred by the statute of limitations, or a waiver of any legal rights of the debtor without disclosing the nature and consequences of such affirmation or waiver and the fact that the consumer is not legally obligated to make such affirmation or waiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Experian Information Solutions Inc.
State: FL
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:
On XXXX, I sent a certified letter to Experian disputing inaccurate reporting of XXXX accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The numbers reported are only partial account numbers and there is no legal way to verify or prove these accounts belong to me. They have failed to provide a resolution within the 30 days as stated in the FCRA. I demand that the negative, erroneous items be removed from my credit report immediately. This hurt me from getting a car loan. Thank you

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 2015-07-13
Company: Dovenmuehle Mortgage, Inc.
State: AE
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
DMI Mortgage has refused to process my application for Loss Mitigation in a timely matter thus allowing the home to go into an 'active foreclosure ' status. Being an XXXX XXXX XXXX member XXXX, DMI sends only correspondence via traditional mail then claims I do not reply in a timely manner. It takes 3 weeks for mail to get overseas. I have given them my email over and over but they only refuse to speak thru official mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My identity has been stolen to multiple credit card accounts. I was not able to list all of them in the theft details. 1 ). There are total of XXXX credit card accounts opened in my name. 2 ). My boyfriend 's identity was stolen and he told me my name and information was on these stolen accounts of his, and they had all my information. This is what prompted me to look into my credit report. 3 ). I went and spoke with XXXX Police Departments and they told me they could not file the report until I have physical documentation from the credit card companies and credit bureaus. 4 ). I 'm currently trying to obtain as much information as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: DISCOVER BANK
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, XXXX, I faxed the attached FCBA dispute to Discover. Discover never acknowledged it by the mandatory deadline, or resolved it, as required by FCBA. On XXXX XXXX, XXXX, I contacted XXXX XXXX in Discover 's Exec. Office of Customer Advocacy about getting a {$50.00} refund, as required by FCBA. He never addressed my issue. In XXXX XXXX, I called XXXX XXXX in Discover 's Exec. Office of Customer Advocacy. He promised to follow up with XXXX XXXX. However, he instead left XXXX vague messages on my answering machine. On XXXX XXXX, XXXX, he sent me a letter, requesting " more information ''. XXXX XXXX had the " information '' he needed. XXXX XXXX ignored my follow-up questions as to whether he consulted XXXX XXXX, as he had promised. Discover has stonewalled for 7 months on issuing my {$50.00} refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
AMERICOLLECT INC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMERICOLLECT INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMERICOLLECT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation