BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello, Over a month ago I requested my free credit report from Equifax ... .I regularly check my free credit report with XXXX XXXX XXXX but that is not as complete. Equifax consistently refused to even receive my information online, but when I agreed to pay for it they said they would do it for me. I found mistakes, that were minor but could be a problem for me if they are not corrected. Today I found another mistake by Equifax. They are reporting that an account of mine is still open, although it was closed in a chapter XXXX bankruptcy in 2010. This is the third account that they are reporting as open but included in BK. When I tried to dispute it ( tried 3 times ) they told me that the information that I was giving them was incorrect. It absolutely was not incorrect ... .I have all of the backup information. Equifax is consistently difficult to get mistakes corrected, or even get a dispute started. Basically the first problem that I had with them was that I could not get my free credit report ... .but when I offered to pay for it they gave me the report. This time the problem is a XXXX ( which became XXXX XXXX ) was included in a chapter XXXX BK and discharged. Equifax shows it as open. They also show open a XXXX XXXX XXXX Account that was included in the same chapter XXXX, as well as a XXXX Account. 
Thank You XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My name is XXXX XXXX XXXX and I would like to complain about Equifax and XXXX XXXX XXXX. Here is my story. I usually check my credit report like other people. As just usual, I checked my credit report in XXXX 2015 and I found that there was XXXX collection amount reported on Equifax credit report, the amount of {$68.00} reported by XXXX XXXX XXXX for XXXX XXXX expense. So I DISPUTED and talked to Equifax representative and waited for the result because it does not belong to me. However, Equifax replied me back with a bad news that the collection amount belongs to me. So, I talked to XXXX directly and I found out that I have no past due at all AND they said that they did n't even know that ( after they investigated it. ) So, I disputed again in Equifax and they replied me back with same answer that it belongs to me! So, at this time, I also talked to the XXXX XXXX XXXX directly and disputed in writing ( by certified mail ) in XXXX 2015, but never received reply back. I also requested any support or backup documents for the collection amount of {$68.00} if it really belongs to me, then I can pay ... that 's not a problem at all, but they did n't even give me any backup documents for the {$68.00}. What should I do?! The collection amount of {$68.00} still shows on Equifax credit report, which I want to remove as soon as possible. It 's a simple thing ... if it 's mine, I will pay it, just provide me the invoice/documents, HOWEVER, if it 's not mine, get rid of it ASAP! Please help me! 

For your information, I would like to provide you the collection agency 's information here. The collection agency 's name is XXXX XXXX XXXX and they reported {$68.00} for XXXX XXXX expense. Their phone number is XXXX and the address is XXXX XXXX XXXX XXXX, FL XXXX. Their account number XXXX my case XXXX is XXXX. 

Please let me know if you need more information from me. My phone number is XXXX. My email address is XXXXXXXXXXXX. I look forward hearing from you soon. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
As far back as XXXX 2012 I have experienced identity theft. My previous dispute was initiated because of this fraudulently opened account. I wrote to the credit bureau about the collection agent and disputed the debt reported by XXXX XXXX XXXX and the creditor XXXX I and have had no response from XXXX ; XXXX ; Equifax or have I received any assistance in clearing this inaccurate information from my credit files. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On or about XXXX 2016, I began receiving collection calls and letters regarding Chase credit card accounts in my name I did not know about. I questioned these accounts, reported them as identity theft, and notified the credit issuer to close the accounts. At the time I believed contacting Chase and telling them about this would end the collection attempts and that my credit report would be amended to reflect the identity theft occurrence. Chase has refused my identity theft request, continues collections attempts, and has not removed negative information pertaining to these accounts from my credit report. An identity theft report has been submitted to the FTC and legal action against Chase will be pursued if all negative information is not removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed several items on all XXXX of my credit bureau reporting agencies. So far, I have received minimal help as well as help verifying information that is place on my credit report. I have not been able to get any proper documentation from a company listed on my credit report nor has the credit bureau responded in the bet manner

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I made a payment of {$1800.00} as my monthly payment to LoanCare, on XX/XX/2020 I made another payment towards the principal of {$1200.00}. Then on XX/XX/2020 it appeared that the loan was transferred to XXXX however, prior to transferring they did a misapplication reverse of the total amount above {$3000.00}. LoanCare claimed they mailed a check to XXXX and XXXX claimed they never received a check. I still do not have the money.

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 2015-12-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On XXXX. XXXX sent a representative to my Dad 's home for an inspection. I did n't provide my social security number to the representative. I check my credit report monthly. There is Hard credit inquiry made by the company which has affected my credit score. I 've called the company multiple times. I spoke with a few resolution associates. I was told emails were sent to manger and the representative XXXX.They all told me that my credit could not have been checked without providing my social. I spoke with the rep XXXX XXXX multiple times about this. He told me he and his boss are working on it. Its been1month I left messages with no response. The inquiry is on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
During a check of our experion credit report we found that it was falsely reported that we owed a {$2.00}, XXXX bill to XXXX. This was reported by I.C. System Inc.the date of the bill was reported to them XX/XX/2021. We have had no business dealings with XXXX in the last 12 years and all of our bills were paid in full. We called XXXX and they know nothing about the bill. We called I.C. Systems and they refused to discuss the matter because the name on the bill isn't ours. XXXX tells us we have to talk to the creditor.

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 2016-06-27
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XXXX credit reporting service reduced my credit score by more than XXXX points in XXXX of 2015, dropping it from the high XXXX to the XXXX. My credit report states that I was 90 days late paying a student loan from XXXX University from University Accounting Services LLC ( henceforth " UAS '' ). The monthly payment was XXXX. I used my XXXX XXXX XXXX autopay feature to debit my account to make the payments. I have done so since XXXX without missing a payment. 

For some unknown reason the payments for four month in late 2015 months were either not sent or received. The automatic payments resumed again in XXXX without my having done anything to change their settings. Stranger still, I had a smaller loan from UAS during the same period that was paid the on the exact same day as the larger lone and we never marked delinquent. 

I believe there was a either a systemic IT failure in XXXX XXXX XXXX 's automatic payment system or a similar failure in XXXX 's receipt system. My checking account balance was more than enough to make these payments. 

I was not contacted by XXXX University, XXXX XXXX XXXX, UAS, or XXXX about the delinquent account and had no reason to believe that this account was behind. Indeed, I have not missed a payment on any credit line in the past 16 years. These missing payments from XXXX are a clear deviation from this trend. 

Moreover, as attached, my bank statements for the months in question show clearly that the payments were debited from my account on time and sent to UAS during the months in question. I have attached a screenshot of my credit report as well as bank statements that provide evidence that my account was debited for XXXX each month. 

Neither of the XXXX other major credit reporting agencies noted the account as delinquent. 

The drop in my credit score will significantly reduce my ability to take out a mortgage or loan in the future or rent an apartment. If XXXX is unwilling to make such a change, then I would like to request a refund of all debits from the allegedly defaulted account, which total to several hundred dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
To Whom It May Concern ; We are writing to voice a complaint against XXXX Mortgage company, XXXX, CT XXXX. 

Our property at XXXX, FL XXXX received water damage in XXXX. We contacted our insurance company immediately ; XXXX, on XXXX. An adjuster assessed our property damage. XXXX checks were issued based on the adjuster 's report ; XXXX for {$10000.00} in XXXX and XXXX for {$7100.00} on XXXX. XXXX checks were made out to my husband, myself and our mortgage company Seterus Inc . 

After contacting XXXX to inquire about the process for getting these checks endorsed to begin repairs on our property we received a claim number and a full packet of paper work from XXXX ( the claims department of Seterus ). The package was completed by ourselves and the contractor and faxed back to Seterus ( QBE ) as instructed. We were told to endorse the checks and send it to XXXX claims department and they would release the funds so we could get the contractor started on the repairs. 

We have not received our money as of today XXXX. I spoke with representatives at XXXX claims department on XXXX, XXXX, XXXX, and finally was told everything was in order. we would have the checks issued to us by the end of the week. No check arrived. I called today, XXXX and was now told that we needed an updated certificate of waiver of lien from the contractor and a complete adjusters report from our insurance co faxed to them. All of this information was sent and our file was complete. 

This is very, very frustrating. Can you please help us get our insurance money from XXXX so we can get our property repaired?? Thank you Sincerely, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Paypal Holdings, Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made an instant transfer from my paypal account to XXXX Bank there were XXXX actually XXXX for XXXX and another for {$2100.00} the money for both transactions made it there intially I am told but then the money for XXXX was taken out of the account and days later has never been returned to the business paypal account. I have tried and tried with XXXX but they are a bunch of crooks in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I called Big Picture Loan around XXXX the XXXX cause my mommy passed suddenly on XXXX the XXXX. She had no life insurance. After my mother died I was trying to pay for funeral and struggling financially. I called Big Picture Loan and tried to work out an affordable payment plan and was denied a payment plan. Was told I wasn't behind on my payments and they couldn't help me until my account defaulted, I at that time revoked ACH authorizations by Big Picture Loan. When my account defaulted they added late fees and interest to the loan. I borrowed {$750.00} on XXXX the XXXX nd of 2021 made XXXX payments of {$100.00}. annual yearly rate 345.09 % finance charge {$2000.00} amount financed {$750.00} after all payments made amount that I would have paid {$2700.00} I am now aware that Big Picture loan could be issuing loans in Georgia illegally and have faced class action lawsuit for high interest rates in other states. Big Picture Loans, an online installment lender, has agreed to pay {$8.00} million to end class action claims. 
https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Step XXXX above did not provide a choice that covers my issue : Equifax used the " Inquiries that do not impact your credit rating '' from my credit report as " hard inquiries '' ( their term used when I questioned them over the phone ) when coming up with my credit score. Key factors listed as adversely affecting my credit score on a recent residential mortgage credit score notice included " too many inquiries last XXXX months ''. On my Equifax credit report, I have XXXX inquiries listed under " Inquiries that may impact your credit rating '' and there are XXXX inquiries listed under " Inquiries that do not impact your credit rating ''. I did not initiate any of those XXXX inquiries. I believe all of those XXXX inquiries to be marketing related. Equifax is not being truthful in the wording on its credit report. When I questioned this practice, instead of acknowledging that the wording on the credit report states that these XXXX inquiries should not impact my credit rating, they tried to sell me their monthly credit report privacy service at $ XXXX/month as the only way to resolve this type of thing from happening, or I was told I would have to contact each of the companies making the XXXX inquiries not to access my credit report. There is no way to dispute this with Equifax in its dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had XXXX XXXX. I do not know what this is and it is not my account. This needs to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I'm a consumer who sent my FTC report to XXXX, XXXX, and Equifax on XX/XX/XXXX and I still haven't received a verification letter for my dispute from either CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Skopos Financial, LLC
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I reported my car stolen on XX/XX/2016 with the XXXX Police Department. When I called Skopos to let them know my car was stolen they said they repossessed it. When I asked why I was told I was 3 months behind - XX/XX/2016. When I faxed proof of payment and called back the next day I got XXXX the manager. She said she the gal I spoke to before told me incorrectly and I was 3 months behind. When I asked which 3 months, XXXX said she did n't know. I told her I reported it stolen with XXXX Police, and my insurance company and she said - you have insurance? I asked if I could get my personal items from the car and she would not tell me where I could get my personal items - coat, cds, or other items from my car. When the XXXX Police ran my information my car has never been reported as repo. Today I received a letter stating my car would be sold after XX/XX/2016. I have never received any type of payment coupons or notices from Skopos so I would still send in my payments. XXXX kept stating that I filed bankruptcy and that 's how my car was 3 months behind. I told her I filed bankruptcy over 2 years ago and asked why was n't I notified or why it was taken then. No response. I have an attorney that has been trying to contact them and will not return her calls. I have filed complaints with the XXXX Attorney General, XXXX Attorney General and XXXX. XXXX said they will contact the company but I have not received a response. NEVER get a loan from Skopos.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: EQUIFAX, INC.
State: SC
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:
There was an error on my employer 's behalf with submitting tax documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My Navient loans with co-signers are current. But they are getting calls at home and at work plus letter saying they must make a payment. I have n't been than 20 days late in  over two  years. I have n't been behind enough to warrant aggressive collections. I am worried that  XXXX   XXXX  is okay'ig aggressive collections efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had an account with XXXX XXXX XXXX. I lost my job during the economic downturn in XXXX XXXX and my account because delinquent within a month or two. I did n't make any payments except ONE payment in XX/XX/XXXX. XXXX waited until XX/XX/XXXX to report this to the Credit Bureau instead of reporting this when the account first went delinquent. I 've submitted several disputes online and XXXX keeps claiming the dates are correct when they were n't because I was unemployed from XX/XX/XXXX to XXXX XXXX so there were no payments being made. Although this is scheduled to be removed from y credit report late this year, it 's unfair that this is continuing to hurt my score and get me higher rates when it should have already been deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX and I am sending this complaint to address the incorrect items on my account. The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was Equifax incorrectly. Please be noted that I have sent out letters prior to this complaint to Equifax and to the companies for them to investigate. Have these following items be removed accordingly. 

XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX Balance : {$120.00} XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of identity theft and credit fraud for over 3-4 years now and during that time, I have seen my credit score go from XXXX to XXXX. I have written to the reporting agencies, Equifax , XXXX and XXXX, and to this day, my reports have not been restored. I have also filled several police reports. During that time, several fraudulent accounts were indeed removed but some still remain and my credit score do not reflect my true record. I am so frustrated with everything and need help. I do n't know what else to do or who go to. 
Please note that I have been denied credit on several occasions because of this and I have been embarrassed several times as well. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This account should not be on my credit report. Medical charges has been processed by my Medical Insurance. I have no regulation of this account. No XXXX Services. As a result, I have been gravely affected and my credit score is suffering. as a result of this account. There was no warning ever given, which is a violation of consumers rights. I am requesting that the charge be removed. 
XXXX {$260.00}

Company response to consumer: Closed with explanation