BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-18
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I place a security freeze on Equifax and now i need remove and i can't.For 3 days i call them and they transfer for electronic request.iI spend about XXXX min on the phone for XXXX times and they do n't remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: Seterus, Inc.
State: SC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased my home with veterans home loan XXXX XXXX at 6.7 % for XXXX. XXXX XXXX and XXXX XXXX XXXX handed it over to Seterus formerly known as XXXX XXXX. I began having trouble keeping up and went through the forebearance process. My last timely payment was at some time in XXXX. I requested a modification in XXXX. It was granted and I was paying on time XXXX at 6.7 %. XXXX months later Seterus Mortgage increased my monthly payments to XXXX per month. I could not afford to continue payments. Since XXXX XXXX I have been trying to get a modification loan at a lower rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went online to get my free credit report from Equifax and was not able to receive it. The questions were deceiving and some I could have checked more than XXXX answer. I tried it XXXX and could not access my report. Also, my husband went online to get his and the same thing happened. I also VERIFIED we were entering the correct information since i had a copy of another credit reporting agencies report in front of me so I am SURE there were no errors. I then tried getting our reports through the mail, and all i received was more letters stating to send more ID and verification papers. This happened XXXX to each of us which is completely unacceptable. We merely want our XXXX credit report from Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-19
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Our car was totalled after we were hit by another driver. NOT Our Fault We Were NOT Cited. 
XXXX ( Our Auto Insurance ) Suppose to Pay off Vehicle. 
Vehicle is a XXXX Hyundai Elantra. Accident Happened in XX/XX/XXXX. 

TODAY is XX/XX/XXXX. OVER Six Months Later, Car Loan Still Not Paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax has changed my report but does n't allow me to review it. I 've been blocked from seeing the latest updates. The red circle highlights the areas that do not give me a option to insure my report is correct. The earliest XXXX conformations were accessible until I forwarded them to the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I disputed a few items on my credit report from Equifax and it 's been like 75 days and the disputed items are still in a pending status. I 've called several times and a representative never answers the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax continues to update and report a past due balance of {$2300.00} for a XXXX Account # XXXX that was paid and settled in XXXX XXXX, 2015. ( Copies of letters and cancelled checks are attached ). I have disputed this information with Equifax on numerous occasions. In XXXX they updated the account correctly, then in XXXX 2015 they reported the negative information again. Equifax 's inaccurate reporting is hurting my credit rebuilding efforts significantly and makes it harder for me to secure credit. This information should be updated immediately and not changed again. Equifax is in direct violation of the FCRA. I have given them multiple opportunities to correct and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have disputed to the creditors and a fraud alert and freeze were placed on all XXXX credit reports. I will like these creditors to investigate my personal information and credit inquiries for a third person using my information to commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have been trying to get Equifax to update my personal information for the past few years so that I 'm able to obtain my credit score. I was married in XX/XX/XXXX and I sent in the updated the information. I requested to get all the FRAUD ALERTS removed and they were just extended till XX/XX/XXXX. I 've sent in my ID, social security card, XXXX and military ID in hopes they would update my credit report to no avail. I 've recently tried to start the dispute process again but it has turned into endless phone calls, faxes and mailed in letters. I would just like this information updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I printed the online Annual Credit Report Request Form & submitted copies of all the info they required : SS card, pension stub, XXXX form, driver 's license & utility bill. This was mailed XX/XX/2015. Their form notes that this will be processed within XXXX days of receipt, & if there are any issues w/ my submitted material, they will contact me. There has been no contact & I have not received the Equifax report I requested as of today -- XXXX XXXX. When you call this company 's number, you not only can not receive a " person, '' but the telephone tree does not allow a provision for " status of credit report request. '' So I have all of this sensitive info adrift someplace making myself a prime candidate for identity theft -- exactly what I was trying to avoid. Note : All was mailed to Annual Credit Report XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX. Their telephone # : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have disputed an account that has been in my equifax credit file. This was a car loan that was taken out back in XXXX. I filed bankruptcy in approximately XXXX XXXX this loan went into default 4 month before that which would of started the 7 years of remaining on my credit report in which the credit laws states. This was a chapter XXXX filing or wage earner plan in which this account was under a stay of the united states bankruptcy code. My attorney at that time made incorrect calculations and my case was ultimately dismissed 3 months before its maturity date by the trustee. So in XXXX the firm agreed this was an error on there part and they refilled the case at their expense and I went thru 4 more years of a wage earner plan and this case was finished in XXXX. XXXX is the company that is still reporting derogatory information on my equifax credit report. I have called them numerous times pleading my case with them to remove this old account. They refused by telling me that any time a new agreement is made and it goes delinquent again the 7 year cycle restarts and that they are reporting according to law. The date of first major delinquency was in XXXX not XXXX as they are trying to make their case. They want to have their cake and eat it too and this is n't fair to the consumer and unlawful at that. I feel this is some sort of retaliation for filling bankruptcy to begin with. I have asked equifax to remove this and they told me I have to get first investors to remove it. They will not give me and payment history as they have deleted all that information. They refuse to give me any documentation for a pay history. The way I see it is this if they want to stay with their claim of a XXXX delinquency then I want a pay history from that point showing this account was paid as agreed by the trustee, I brought that point up and she told me they cant do that by law, and I said you cantreport a delinquency of XXXX when it actually occurred in XXXX that is breaking the law. I want this stricken from my credit report and never to return on my report again and I want the government to investigate this company for possible laws they may have violated for reporting this way and if they have broken laws their reporting privileges should be revoked permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: FRESNO CREDIT BUREAU
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Creditors Bureau USA has contacted me several times regarding a debt I supposedly owe to XXXX in California. I have asked for verification of the debt such as an order form, doctors authorization, and whether it was submitted to my insurance company if it was a legitimate service, but all they send me is a computer printout saying that is the validation of the debt. I live in XXXX, my doctor is in XXXX, and I find it odd that a California laboratory would be involved in my care. If it was however, they should have submitted it to my insurance and contacted me immediately if there was a problem. Their bald assertion that I owe this money and that it is up to me to prove that I do n't is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I have disputed the issue regarding XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX with Experian in XXXX. XXXX XXXX has been contacted several times regarding the fraudulent reporting of a debt that they deceptively contrived due to misrepresentation of a sales person that we tried to contract with. We were told we could discontinue service at any time and the agent we were working with was actually using the credentials of her husband. The fraudulent agents are no longer emp [ loyed by XXXX XXXX XXXX XXXX due to their illegal, fraudulent methods of " slamming '' people into contracts. I 've asked for the erroneous " hard hits '' to be removed from my credit report on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and yesterday XXXX/XXXX/XXXX only to be told by XXXX XXXX supervisor XXXX XXXX that they were going to pursue litigation. The fact that these swindlers have exaggerated the amount due and that they continuously harass me by hitting my credit report should be unlawful. They have written to me and I have responded within 30 days with certified mail of them receiving my documents and STILL continue to ignore the fact that they are chasing an illegal, fraudulent, exaggerated amount of debt. I ask that these people get reprimanded for their abusive harassment of my credit and my time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: EQUIFAX, INC.
State: NJ
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 been having an ongoing problem with   XXXX   for the last year and a half, the more I fix my credit and increase my score, I have noticed each time they will go back in, find an old deleted or removed account and place it back on my credit report but they will just put it in a different catergory as if the consumers wo n't notice, this has happend to me at least five times, they have now taken an account that was removed and deleted from my report and placed it back on there but under Collections now, but item was removed awhile back, Equifax and   XXXX   just follows  XXXX  and whatever they do they follow, the Items I 'm speaking of is   XXXX   XXXX   item was deleted from my report but have been placed back on by  XXXX , this has. Even going on for several years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I was recently taken by a felon con artist. I discovered that he used identity theft as a means to clear his credit history. I tried to call all XXXX credit reporting agencies to let the know and so they would remove the fraud protection from his credit check. By fraudulently saying his identity was stolen his is able to continue his fraud and criminal behavior. They should remove the alert and press charges against him. They should also include that he has not paid the attorney fees or costs as ordered by the court of California.

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 2015-04-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Dear XXXX : I would like to report of wrong information about my name and social security number As reported by Experian Credit Agency XXXX 
( 1 ) they have posted wrong social Security Number on my report. The number they have posted for last XXXX digits XXXX are not mine. 
( 2 ) they have reported my another name as XXXX XXXX. That name does not belong to me at all. I have never ever changed my name. My real and original name is XXXX XXXX And as such they have accepted collection charges from unauthorized agency and posted on my report. 
May I ask your help as how can I get this corrected. In spite of my disputing these points With Experian, they have not taken any action nor they have responded. 
Thanking you XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
In XXXX 2015 I was being over charged for data with XXXX XXXX account XXXX I changed service and went to XXXX who had unlimited data. I contacted XXXX in regards to a tablet that at store I was told I could cancel any time. I received what I thought was a final statement in XXXX and paid it. I heard nothing from them until XXXX 2015 when I got a bill for for {$500.00}. I was in total shock I contacted the office several times and no one could give me an answer. one representative told me the tablet had never been canceled and that was the fee. I said why did n't I get a bill she did n't know. Another said it was for the equipment fee for number ending XXXX. I ASKED WHY WAS N'T I CONTACTED BEFORE AND WHY NO BILL. SAD TO SAY I got no where. Then I said it all should have been stopped on XXXX XXXX. Now I get a collection letter from Convergent out sourcing say I owe XXXX and refuse to listen to me. I am willing to pay for the remaining balance on equipment on XXXX/XXXX/15 but not all these monthly fees when I canceled it all on XXXX/XXXX/15 can you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Account Discovery Systems, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Debt collector left messages for me and my sister this morning. Although I have an XXXX area code, I am currently residing in California and received the call at XXXX. The message simply stated they were trying to contact my mother, with no indication that they were a debt collection agency. My mother is currently suffering from an incurable illness, and both me and my sister immediately assumed this was a health issue with the vagueness and urgent tone of the message.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: RR Resource-Recovery
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
R R resource company continues to report a debt that does not belong to me on my credit. I have sent numerous letters for them to correct this and refuse. The original creditor will not even respond to my letters. This is a account for a ambulance service that I never used. I never was in a ambulance during that year nor was my children. We have never had a lapse in health care coverage in 15 years as well. During the time the are reporting as well. I have asked for documentation to prove the basis of the debt and I get nothing but a bill from the creditor. If this was a service we would have used it would have been billed to our insurance. But we did not use the service at all so this doesnt apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion continues to report inaccurate and outdated info on my credit report. They refuse to remove data even though I have provided proof it 's incorrect. After them denying me and me coming back several times with different evidence, forcing them to update my report and even though they have continually victimized me, they continue to make it as hard as possible for me to get my report updated to accurately reflect my information. They following data is inaccurate and should be removed! Address ( es ) : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - They have my current address and it 's apartment XXXX! - Employer Name XXXX - I have never worked here - XXXX XXXX - It 's not mine AND it 's more than 7 years old! XXXX - I never authorized or opened this account. XXXX - I never opened authorized or used this account. The following inquiries are fraudulent and NOT the result of fair use - XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX BANK XXXX XXXX. PLEASE stop ruining my life and reporting this inaccurate data! Transunion is very sloppy in their verification process. They have previously marked info " verified '' on numerous occasions and I came back with letters from the company saying the data did not belong to me. PLEASE make them do better.

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 2016-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I originally had an account with XXXX that was closed more than 8 years ago. The account was sold to XXXX. I settled the account for XXXX XX/XX/2016. I notified TransUnion to update my credit profile on XX/XX/2016 using the XXXX XXXX direct dispute and Transunion states that they concluded their investigation on XX/XX/2016 and that the account would remain open with the original balance of {$550.00}. They need to correct the inaccurate information on my credit report immediately. I have attached the XXXX XXXX Settlement Statement to this complaint.

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 2016-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I had a had care visa card with bank of america. There was an expense for {$940.00} on XXXX/XXXX/XXXX for a dental charge. I mailed in a copy of the receipt to Bank of America. On XXXX/XXXX/XXXX, I received a letter from Bank of America claiming that they never received my letter which was due on XXXX/XXXX/XXXX and that they are now going to report the amount on a XXXX XXXX form. I indicated that I was not aware that they had not received it and would provide another copy and they indicated that since the deadline had passed there is nothing they can do.

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