BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian has fraudulent accounts on my credit report and they are refusing to remove it. They are also claiming they never received my identity theft report, but I uploaded it to their website on two different occasions. The most recent was on XX/XX/2016. 

The fraudulent accounts are XXXX XXXX XXXX and XXXX XXXX. I have never done business with any of these companies. I am infuriated with the credit bureaus for trying to hold me accountable for these a fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
EQUIFAX INFORMATION SERVICE LLC XXXX XXXX XXXX, GA.. WWW.EQUIFAX.COM PH # XXXX ON THE DATE OF XXXX/XXXX/2014CONFIRMATION # XXXX STATE THAT SEVERAL ON MY CREDITT REPORT BELONG TO ME. IT IS THEM CREATING A CREDIT REPORT SCORE FRAUD THAT DOES NOT BELONG TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-14
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In mid  XXXX  I cancelled my  XXXX   XXXX   XXXX  home phone service.My bill was automatically deducted from my  XXXX  checking account. When cancelling I agreed to a service with  XXXX   XXXX   XXXX  to hold my present phone number for a year for  XXXX  dollars a month. When I cancelled I checked and my home phone could not receive or make outgoing calls from the date I cancelled. In  XXXX  I received a phone bill for service from  XXXX  to  XXXX   XXXX   XXXX  for {$71.00}. My phone was shut off in  XXXX  and did not make or receive any phone calls.On my phone bill dated  XXXX   XXXX  to  XXXX   XXXX    XXXX   it list a payment received for $  XXXX  the same bill it list a credit owed to me for $  XXXX  .I la ter received a check for that amount I called  XXXX   XXXX   XXXX  and asked  how I c ould owe money and be owed money at the same time. They said they would take care of it  XXXX   XXXX   XXXX  to  XXXX   XXXX    XXXX   my statement listed a charge of $  XXXX  ..It listed  a credit of {$46.00}, an adjustment of {$140.00} and a balance of {$100.00}. It list a refund of {$46.00} paid to me by check.It listed a return check of {$71.00} and a returned check charge of {$30.00}. I did not receive any checks for {$71.00} nor did my checking account where my bills were automatically taken from list any deposits fro  XXXX   XXXX   XXXX  into my account. The important thing to remember is my phone was shut off in  XXXX  and should not have been billed any charges other than the {$5.00} fee for holding my phone number for a year. Incidentally I also cancelled this service in  XXXX  when the billed my for a full month of usage for a disconnected phone.I paid my full phone bill in  XXXX  and should have only received a bill for a partial month up to the point of cancelling my phone service.In  XXXX  {$24.00} was taken from my account for what I presume to be a partial months service from  XXXX  until the day  XXXX  cancelled in  XXXX . My  XXXX  phone usage bill was paid in  XXXX , My  XXXX  partial month usage bill was paid for partial use in  XXXX  and from that point no charges should have  been.owed.Where  did the {$71.00} charges come from and then charge me for a returned check fee of {$30.00} for phone usage on a disconnected phone They referred the {$100.00} bill t o Diversified Consultants Inc   XXXX   XXXX   XXXX ,  XXXX  FL.  XXXX   XXXX , Phone  XXXX   XXXX . I sent them a check for {$100.00}. .My phone account number is  XXXX   XXXX   XXXX   XXXX   XXXX . My Name is  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX  Ohio, XXXX , Cell phone  XXXX   XXXX   XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I noticed that there were charges from XXXX XXXX that were supposed to be refunded as I returned all the products in store, and then they shipped two items which I never received and they were supposed to refund. I showed all my proof showing it was refunded on the site but it never was on my card and they said the charges were right. So Im extremely upset that they never refunded me even though I returned the products and Ive seen countless complaints towards XXXX XXXX about them not actually refunding and now Im out of money because Discover didnt even look at my uploaded documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact XXXX, XXXX, XXXX, etc. per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to do a harp refi because I want to stay in my home, however each time I tried this bank of America has lost, not received or time has ran out to proceed. Out of 5 times I have tried to get help they came back with short sale or deed in lue. the first time I had to have XXXX and was out of work for 8 months I begged and borrowed to make my payments till I got back to work. I recently had XXXX again and also had a XXXX XXXX all with in the same month. I tried to refinance with my local bank but due to my filing of XXXX XXXX they were unable to assist. it seems like BofA does n't care about there clients unless they are elected persons that will give them special perks. if paperwork is needed to verify my medical conditions that I have told I will provide, except for the first XXXX which my house burned down in 2012 and I lost all that paperwork, which brings up another problem with this company when I was rebuilding it took this company 4 months to release the funds to finish paying for new home including speaking with my state senators and representative and manufacturer all speaking to this company to get them released.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am a current subscriber with XXXX and have been for close to three years. In XXXX a collections account appeared on my report that was originated by XXXX XXXX ( XXXX ). I used the information from the to reach out to the creditor with the phone number listed in my file. After series of call attempts and transfers I was connected to the location that handles my account. After validation of debt I began to payoff the account. As of XX/XX/2016, this collection account was paid in full with a credit balance of {$1.00}. 
After payment was satisfied I had to dispute the account status to have it updated to show satisfied and closed with XXXX and XXXX as account was listed closed on Equifax. XXXX investigated and listed the account satisfied and closed. XXXX investigated and listed the account satisfied and closed. Then from my most recent XXXX report Equifax has the account listed as open with XXXX balance. I tried to submit a dispute along with getting a letter of satisfaction from the collections agency and when I called I was told that the account was being disputed and routed to another area that uses a voicemail to leave your response or inquiry. I tried to initiate a dispute with Equifax online only to receive an error that they were unable to verify me online and to contact by submitting a fax our mailing the office. This has become quite the Catch22 and does not support FCRA in many dimensions. 
I have worked diligently on my part as a consumer to be accountable for my past actions and information is not being updated as required by law from both the Collection Agency ( XXXX/XXXX XXXX ) as well as Equifax.

Company response to consumer: Closed
Consumer complaint received 2017-05-14
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company told me that I owed a debt from  XXXX  insurance from  XXXX     2014. Since  I am trying to keep good credit I just decided to go ahead and pay the amount, however the representative I spoke to on the phone told me I could pay I lesser amount and they would consider the debt resolved. The representative also assured me once I paid the amount it would be removed from my credit report. I upheld my part and paid the amount and after several weeks the account was and is still being reported. I called the company and the person I spoke with told me it had n't been deleted because I did n't pay the entire amount, which was only a difference of {$20.00}, that I would have gladly paid in order for it to be deleted. The company mislead me to pay an amount less than what was owed and continues to refuse deletion, even though they promised to delete. I do n't even recall having insurance with   XXXX   i n 2014 a nd only paid to salvage since it was n't very much otherwise I would have disputed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: CITIBANK, N.A.
State: NH
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:
CitiMortgage has committed egregious violation in servicing our former account. CitiMortgage ref uses to take responsibility for  3 f ailed attempts at modification. It is THEIR failure, we cooperated and met our obligations under agreements fully.      CitiMortgage  refuses to report this modification period as required in regulation to all major credit bureaus/ reporting agen cies. CitiMortgage offe rs a lawyered and morally deficient explanation for not responding.  CitiMortgage re fuses to respond any further than attached documents reflect . CitiMortgage  has done great harm to former clients. Clients have continually corresponded t o CitiMortgage f or redress. These practices must cease.

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 2018-05-29
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed the account listed by XXXX XXXX XXXX as balance of {$360.00} showing on a charged off account. The balance and status are showing updates as of XX/XX/XXXX as correctly reporting with no change per previous dispute. There is no way that this account could have been validated or investigated correctly based on this information disputed multiple times. 
There can be NO balance on a charged off account. I want this corrected or removed from my credit report. 
I have been denied credit due to this account reporting incorrectly on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On or about  XXXX   XXXX ,  XXXX  Equifax arbitrarily deleted all information on my credit report with the exception of  XXXX  accounts. Approximately  two  days later all the accounts and their corresponding information was re-inserted onto my credit report without their notifying me of this change or demonstrating that re-inserted information was verified.     On or about  XXXX   XXXX ,  XXXX  I notified Equifax of this issue, by certified mail, and it appears they attempted an investigation, but upon checking the investigation status it shows " N/A ''. They have provided no information as to the outcome of the investigation nor have they removed the inserted records.     From my understanding the FC RA, Section 611, a c redit reporting agency is to provide written notification of any records that have been removed and subsequently re-inserted, along with providing documentation indicating how the information was validated. Equifax, in this situation, clearly violated the FCRA and has appeared to have ignored my request to investigate the matter.     Attached is a copy of letter sent to Equifax in  XXXX   XXXX  along with copies of my credit report indicating that all information was removed, then reinserted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I disputed this account with the lender on several occasions. The account is more than 7 years old and contains negative information that is impacting my FICO score so it must be removed as of XXXX. It shows the last date of activity was XXXX and the account closed in XXXX. According to FTC / FCRA, negative information must be remove after 7 years of the last activity which would make the removal date be XXXX. Its not a bankruptcy or a judgment so it is past the reporting period of 7 years. I spoke with a service rep and a supervisor at XXXX on the phone on XXXX at XXXX informing them both of the dispute and the unsatisfactory results. XXXX stated the account will remain and would not be removed regardless of the negative history and the the account being reported as more than " 120 days delinquent '' and a " charge-off '' status because the lender is reporting the account status of " paid and closed '' which makes the account a non-negative account in good standing. 
I want all of the negative history removed from the account or the account removed from my credit file. See my note in red on the attached pdf artifact file.

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 2016-11-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Because of an inaccurate name, address, and account that appeared on my other XXXX credit reports, I wanted to check my Equifax report. I answered their identity-verifying questions accurately, but it rejected me, which REALLY worries me. I do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I tried to switch TV service to XXXX. Several attempts were made to get my credit infor from Equifax. XXXX only uses Equifax. First Equifax advised that I have a security freeze. I do not. I have fraud alerts due to identity theft XXXX yrs ago. The reps were impossible to understand their English. I was told I needed to write to get the security alert lifted. This is incorrect as I do not have a security freeze. After several calls over 5days, I was told that XXXX needed to only use my XXXX . XXXX would only submit with XXXX. 4 times I went to XXXX. XXXX reported XXXX ordered by credit report and gave their sales rep a ref. number ( total XXXX ref. numbers as their sale rep still could not get my credit infor. Equifax has done this to me before. That is how I knew it was not a security freeze. These errors cost me money. I still do n't have XXXX service ( choices in area are limited ) and I have a " hard inquiry '' on my account. Credit reporting agencys have too much power and abuse it. I ask that both XXXX and XXXX be contacted and my " hard inquiry '' be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have listed several inquiries on my credit file that remain and should be gone. At this point i have items on my file that also are not mine and have forwarded time and time again corrected data to these agencies with no help. The following inquiries are not mine XXXX XXXX, XXXX none of these inquiries are mine. i should have XXXX inquiries at this point, XXXX XXXX account # XXXX was a result of fraud my husbands ex wife opened this account and i have told them this several times yet it still remains on my report, XXXX XXXX account # XXXX was a fraudulent account opened by my husbands ex wife as well, Though i have contacted all agencies multiple times these items remain on some reports. If we can just get these inquiries that i did not authorize off ( the excuse they give me is that they are of factual record, The factual record is I DID NOT GIVE MY PERMISSION for these inquiries and want them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-14
Company: EQUIFAX, INC.
State: NH
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:
XXXX  has committed egregious violation in servicing our former account.  XXXX  refuses to take responsibility fo r 3  failed attempts at modification. It is THEIR failure, we cooperated and met our obligations under agreements fully.      XXXX  refuses to report this modification period as required in regulation to all major credit bureaus/ reporting agencies.  XXXX  offers a lawyered and morally deficient explanation for not responding.  XXXX  refuses to respond any further than attached documents reflect.  XXXX  has done great harm to former clients. Clients have continually corresponded to  XXXX  for redress. These practices must cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
XXXX  has committed egregious violation in servicing our former account.  XXXX  refuses to take responsibility fo r 3 fa iled attempts at modification. It is THEIR failure, we cooperated and met our obligations under agreements fully.      XXXX  refuses to report this modification period as required in regulation to all major credit bureaus/ reporting agencies.  XXXX  offers a lawyered and morally deficient explanation for not responding.  XXXX  refuses to respond any further than attached documents reflect.  XXXX  has done great harm to former clients. Clients have continually corresponded to  XXXX  for redress. These practices must cease.

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 2021-12-29
Company: EQUIFAX, INC.
State: TX
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 RECENTLY APPLIED FOR RESIDENCY AND HAD MY CREDIT RAN WHEN I DISCOVERED IVE BEEN A VICTIM OF IDENTITY THEFT, THESE FRAUDULENT ACCOUNTS, COLLECTIONS AND INQUIRIES WERE FOUND ON MY CREDIT REPORT, ACCOUNTS - XXXX XXXX  XXXX XXXX ACCOUNT NUMBER - XXXX, XXXX XXXX XXXX XXXX - ACCOUNT NUMBER - XXXX. COLLECTION - XXXX XXXX XXXX, INVESTIGATIVE XXXX INQUIRIES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXX. ID LIKE THIS INFORMATION TO BE BLOCKED AND PERMENATELY REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My old accounts from XXXX XXXX Bank were removed from all XXXX Credit Bureaus when I previously checked my credit report in XXXX of 2016. When I checked my report on XXXX XXXX, 2016 the accounts were back on my report and updated inaccurately without any notification.

Company response to consumer: Closed with explanation