BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i been dealing with this company not blocking fraudulent accounts and public records from my file for the past almost 3 years as i been going through identity theft. i have sent them countless numbers of official police reports and i also have attached a copy of my FTC fraud identity affidavit which includes every company that i know of that someone used to steal my identity i cant even move forward in my mortgage process for my family because they are also reporting XXXX public records that was filed in error under my name. It 's XXXX bankruptcies XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX those need to be removed permanently immediately. i have only filed bankruptcy one time which is XX/XX/XXXX. All these errors on my credit report is stressful and depressing and me and my lawyer is thinking of filing a lawsuit for emotional distress due to all this untrue information on my file. it 's hard to even live or get a job with all this identity theft. I demand that all accounts and public records be blocked immediately or i will proceed with the lawsuit against this company in the amount of XXXX dollars. i have disputed all these items several times and nothing has been done. I have never had a phone account with XXXX never filed bankruptcy in XX/XX/XXXX or XX/XX/XXXX those are filed in error under my name. i have attached a copy of all the information that this company asked for and told me that all this information including the public records would be blocked. I do n't see how they are investigating these items when the companies that im disputing are sending me letters saying they are removing these items but this company still wo n't update my report and let me live a regular life it 's very frustrating and they are breaking federal laws in the process while hurting me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have filed numerous disputes, information gets updated/corrected, then gets changed back to incorrect information. After numerous calls and discussions with several manager-level Equifax employees, nothing is resolved. For example, I have submitted documents that support my personal information. In this instance my 'name ' is XXXX XXXX XXXX , NO - suffix XXXX.. Equifax claims that a creditor is reporting the information but I have verified that none of my current creditors are reporting a suffix on my name. 

In addition, multiple credit accounts not being reported correctly such as status, balances, etc. I have called XXXX 's, XXXX, XXXX, XXXX XXXX and they all state that Equifax is a nightmare when it comes to reporting correct information. 

Also, all information is reporting correctly on XXXX, XXXX, and XXXX. This problem is only indigenous to Equifax. I have been checking my report on a daily basis, submitting new disputes, having creditors re-report the correct information. However, Equifax dispute system does not function properly. I am exhausted from this serious matter, please investigate this credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage servicer ( SLS ) would not accept electronic payments from my bank scheduled on XXXX/XXXX/2016 for receipt on XXXX/XXXX/2016 or XXXX/XXXX/2016 ( the last 2 days of the grace period for my mortgage loan ). This was noted by both my XXXX XXXX and XXXX XXXX XXXX checking accounts - when the respective Bank 's bill pay centers stated " SLS would not allow payments until XXXX/XXXX/2016 or later ''. All my other electronic payments to XXXX XXXX, XXXX, etc. were accepted as scheduled by the vendors for the day after the payment was submitted ( as submitted before XXXX ) - or XXXX/XXXX/2016 for payments I submitted today ( XXXX/XXXX/2016 ). SLS will accept payments made through XXXX XXXX or their own website - XXXX for a fee - but are now restricting customers from using their bank bill pay services at or around mortgage payment cutoff. This is wrong - in that they should accept all forms of electronic payments on equal terms.

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 2021-01-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Account was paid with a pay to delete. ( Agreement to pay account off in return to delete from credit profile )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
State: NY
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 previous ; ly nitidied Equifax that i'm a victim of identyity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had XXXX in XXXX, told them I knew I 'd become a few months late with payments ( I believe it 's 4 ). They told me we 'd do a modification, not to worry. I filled out all the forms and provided all the documents. The mod arrived in the mail stating a slightly lower monthly payment, a higher int rate than I was already paying ( 3.87 current, 4.0 new ), and extended my mortg from becoming mature in XX/XX/XXXX to XX/XX/XXXX - approx 20 years more! Okay, this seemed crazy for just being behind 4 months. I did not want my mortg extended another 20 yrs, so I asked for a breakdown so I could understand it better. All they gave me was a total payment amount with one including principal and interest and the other was the escrow ( also, they were including my mort payment which I 've always paid through XXXX for over 20 years, and they were adding mortg insurance which I 've never paid in my life ). 
But, simply asked for the breakdown. As of XXXX/XXXX/XXXX on my last conversation with them ( out of approx 10 conversations ) they told me the same thing, that they ca n't let me talk to the loan mod dept person, they are too busy, I have to go through their group of cust serv people. Well, I said that 's fine, but I still did n't get the answers to my letter from XX/XX/XXXX ( as discussed during each phone conversation with them since XX/XX/XXXX ) and there 's no excuse at this point except to think they are doing something wrong and I need to call someone like a lawyer or mediator ( counselor ) to help me. Then someone gets on the phone and says there 's a response time for this type of thing, would I like to know what it is? 
So, I said " really? '' Now, after 2 months, you want to tell me something nobody else has told me on any other previous phone conversation? So, I said " NO! I do n't want to hear it '' at this point there 's nothing he should be telling me that did n't get said in XXXX. Now, I have an appt with XXXX - to meet with a certified housing counselor. I 've been in this house since XX/XX/XXXX. My child was raised here and he 's now XXXX. He just lost his father 2 weeks ago. I do not want to lose my home. I believe they should 've suggested another alternative to save my home since I owed more than it was worth during my last re-fi 5 yrs ago. I still owe more principal that it 's worth, even according to my homeowners insurance co, XXXX, who informed me to obtain a new appraisal. But, I ca n't afford to, according to the city I pay taxes to, whom I had written. If I had known I could n't applied for assistance to reduce the principal, I would 've done so. Now, I believe it 's too late.

Company response to consumer: Closed
Consumer complaint received 2016-10-11
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
After a XXXX XXXX in XXXX, I was given a medical aid to use at home from XXXX XXXX XXXX. They were to bill my XXXX XXXX XXXX XXXX ( XXXX ) and I would pay the balance. They delayed the Insurance billing and I informed XXXX XXXX that I would pay after the XXXX was issued. XXXX sent my file prematurely to a Collections Company which reported a {$47.00} Collection Record on XXXX and Equifax. In XXXX, XXXX I received notice of XXXX submitting their portion of the {$47.00} payment to XXXX XXXX and an updated billing from XXXX which also reflected XXXX payment of their share of the bill. I then paid my balance to XXXX XXXX which totaled {$9.00} in XXXX, XXXX. In XXXX, XXXX I submitted a Refinance Application for my home and discovered a Collection Record on my Equifax from XXXX ( XXXX XXXX '' ) for the original amount of {$47.00}. This should never have been sent to Collections, as my account has been paid " on time '' with XXXX XXXX in conjunction with my Insurance Company payment. My Mortgage Lender tells me that this item has decreased my Mortgage Credit Score by at least XXXX points and I will be forced to pay a higher Interest Rate and Loan Service Fee unless I have this erroneous Collection Record removed from Equifax. XXXX is not reporting the Collection and my XXXX Mortgage Credit Score is XXXX, while my Equifax Mortgage Credit Score is in the high XXXX with this particular Collection Account as the only Negative Item reported. I have all the billing and payment information to show the transactions as I described and I need this erroneous and Collection Record removed from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Just wanted to follow up on your responds from earlier today. You said You would contact the creditor about the accounts that I 'm asking for documents on Their is no need for you to do That. Umm I 'm asking you! Your company to send me those documents the law states that you the reporting agency should have those documents in your possession at all times and when the consumer asked for them you have 30 days to supply that info. 
XXXX XXXX XXXX closed account and XXXX closed And all credit inquires that does not match any credit in my file I been battle this for 3 Months now please do this as quickly as Possible Thanks also Still willing to drop all Dispute with CFPB If you are willing to settle and have the items removed or send me the original documents

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/XXXX hours finance a XX/XX/XXXX Ford Focus from Car Hop XXXX acceptance court right off the bat I noticed some we 're grinding noises and vehicle ran rough I ask the dealer about this and he told me that I could just take it down to XXXX of their specified shop then they would fix anything wrong with the vehicle for no cost me for the first visit but also stated that after the initial visit to the repair shop all repairs would have to be approved by the warranty department so being a little naive to the whole car buying leasing financing situation and being totally stoked I even got approved I drove away in the car on XX/XX/XXXX I took the car to XXXX XXXX XXXX XXXX in missing work that day if the car was in the shop until the XXXX of XXXX when I was finally contacted by Car Hop after several attempts to contact them they told me that the warranty company would not approve the problems that the car had and asked me to come down to the shop on XXXX XXXX I called into work and XXXX ride down there to the shop long story short they wanted to trade me out cars because they did n't want to fix before they gave me XXXX options to pick from none of which were anything special I chose to go with the Pontiac Grand Am GT after test driving it and having a friend briefly look it over the car seems like it was in good condition within a few days of having the car I started to notice it ran a little hot and when it would get hot it would shift into and out of gear with a hard kick I also noticed there was some weird slushy stuff in the coolant so I took it again to XXXX XXXX XXXX XXXX where they did a full diagnostic on the vehicle and sent the results to the warranty company once again to be denied I tried numerous times to get a hold of somebody at Car Hop and at the warranty place only to be given the runaround for two days and having to pay 78 dollars to get my car out of XXXX XXXX XXXX. the warranty company denied the work that needed to be done claiming they no longer do business with XXXX and told me they wanted me to take it to their shop by Car Hop called XXXX & XXXX auto. When I took it to XXXX & XXXX Auto on XX/XX/XXXX with the same problems but even worse then before the man called me the next day and told mgr he did n't find anything wrong with the car so I argued with him a little and got him to agree with letting the car heat up got a little bit and then test drive it he says he did that and he going some spark plugs misfiring he sent that work to warranty company and again it was denied and again I had to pay 78 $ to get the car out of the shop. It 's a hole lit to explain even more than what I 've explained here but these people are really doing some shady business and I really need some help cause I have no idea what I 'm doing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Transaction issue

Complaint:
I was contacted by several fraudulent companies by unsolicited telemarketing phone calls. They all promised me a very profitable online business.They were all offering me related internet business opportunities to work from home. I was sucked in this mess. The charge that I would like your help to dispute is a charge done by XXXX XXXX on XXXX XXXX 2016 of {$3000.00} on my Amex card. They called me and stated that I needed them, and in order of my process with the previously company that I signed up succeed, I needed their services. Nothing was ever done. What it really comes down to is this company scammed me by not providing me the services that I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Credit Bureau Systems is reporting a damaging collection account on my credit report. I have sent them a debt validation request over 30 days ago and I disputed it with the credit bureau but this collection agency verified to Transunion that the debt is reporting correctly when in fact it is n't which is a violation of the FCRA and FDCPA. They did n't even report it as disputed. By law they are not to report a debt that has not been validated. This reporting is has already caused me damage and I can not get approved for credit with this inaccurate listing on file. I never got anything in the mail from this agency not even a call. It 's like they 're totally disregarding me and my position.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: WLCC
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took a loan out with this company on XXXX XXXX, 2016. The payments were automatically withdrawn from my account every week. It was scheduled to continue for 20 weeks to have it paid off. I made XXXX payments on time and then had an issue with my bank and was working on changing my account number. I revoked the ACH payment and was told that was changed. I continued to receive late notices and charges along with returned payment fees even though they were not trying to put the payment thru. I sent them notice on XXXX XXXX by email and XXXX mail to let them know that I would not be paying them all of these fees and to stop all communication by phone. They continue to call and send me notice of returned fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-07
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Previously had a lease with XXXX XXXX between the months XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX agreed to let us out our lease with no penalty and any additional fees on XX/XX/XXXX through a signed release agreement which stated that we would not pursue civil actions. After this was signed the apartment complex as sold to a new property management company, XXXX XXXX, who is trying to collect on behalf of XXXX XXXX. We received a notice on XX/XX/XXXX in regards to a balance due. We question some of the fees associated with the balance as they were to be removed were still listed. We requested from the collection agency and the property management a copy of a itemized and detailed statement, but was never provided XXXX. We then sent a letter stating that we would be initiating a civil proceedings to get the things we need and to pursue civil penalties. We were contacted by an attorney who threatened to sue us and take us to court if we pursued civil action against them. Through out contacts with the attorney we requested a itemized copy of our final statement. He agreed and sent the request on XX/XX/XXXX. I have attempted to follow up with XXXX XXXX XXXX on several different occasions with the most recent occurring on XX/XX/XXXX in regards to a statement and itemized bill. The leasing consultant refused and stated that she could not help me. The collection agency stated that they are no responsible for the balance and the contract is now between Rent Recovery Solutions and myself. They stated that the balance is due to them. 
The collection agency was faxed a copy of all the documents I hade pertaining to the balance but on XX/XX/XXXX they claim they never got them. I was able to retrieve a copy of the fax cover letter and confirmation which clearly states that I indeed sent the information. 
Now the account is in collection and we as the consumer have no way to verify the amount the debt or the accuracy of the balance. We also agreed to pay the balance due once we received a itemized statement with the correct final balance. 
The collection agency, the attorney and the property management have failed to provide us with a final statement. The only thing close to a statement is the letter from the collection agency. 
The charges that should have been removed and are in question include : {$75.00} Return Check Fee {$1000.00} Early Termination Fee {$97.00} Late FeeWe were also to be given a credit of {$330.00} because the apartment was not move in ready but that fee was removed and without being provided a notice. 

Again we would like to have this balance paid in full as soon as next week but only if we can see an itemized bill to verify if all the fees were correctly adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello, I asked Experian to delete an Account from my Credit Report but was unsuccessful in my efforts. I asked them to send me proof of validation but they failed to do so. I would like you to look into this and help me correct / delete an Account that is not mine from my Credit Report. 
Thank you very much.

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 2015-09-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried downloading my free annual credit report a few months ago using my XXXX, and XXXX apparently is n't a supportive browser, because the websites locked up, and I had to restart my phone, so I was never able to review my credit report. I should also note, I ordered all XXXX reports at once. XXXX now states that I 've viewed all credit scores. Can this be reset so I can view my reports?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
Company: Upgrade, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Upgrade Card XXXX. On XXXX XXXX I called to close the account I was advised they could not because there was a balance. I paid off the account while the representative was on the phone. The funds cleared my XXXX account on XX/XX/XXXX. I then had to call again to close the account, which was not done. Then I was told on XX/XX/XXXX they state the account was closed. I went to my credit report to dispute the account as paid off and closed. Upgrade on XXXX confirmed with XXXX that the credit limit was not XXXX like previously reported but XXXX and the balance owed was XXXX. I have called several times to close the account. I open the app and says the account is active. I have also mailed the card back to close the account and advised Upgrade Inc to have no more electronic notices or information. Upgrade Inc. is still sending everything electronic and will not mail. Now the account shows my new due date of XXXX XX/XX/XXXX. I do not know what else to do to close the account. XX/XX/XXXX I called and spoke to XXXX who hung up on me after asking for a supervisor XXXX because XXXX was leaving in a minute, and not supervisor was there. XXXX stated there are notes on the account and it was escalated but nothing happened. XXXX XXXX responded to my email that I needed to call in about closing my account. I have emailed, called, sent letters nothing happens and Upgrade Inc. still reports the account incorrectly and confirms that it is right but the information is wrong.

Company response to consumer: Closed with explanation