BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a credit report and noticed that I had a fraudulent account which was an error by XXXX XXXX XXXX & XXXX XXXX. I realized it was an error and contacted the companies to make sure it was an error because i have no history of renting any apartments I 've been living in my single family home for over 15 years now. I contacted the credit bureau along with the creditors to make sure that I was correct and that it was an fraudulent error between the credit bureau and the creditor. I explain it on several occasions by sending certified letters over to both the credit bureau and the creditors for the fraudulent account. I provide professionalism in all that I do but I am now in distress about these accounts and it 's sad that these credit bureau have falsely accused me of this account and I refuse to take blame for this. It 's annoying and it 's a pain in the XXXX XXXX. I did all the everything possible to be told the account is verified. No verified documents was sent over to me. Therefor any error on my credit report should be removed. I sent over at least 5 letters concerning this account and was always ignored.

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 2019-10-16
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: Information belongs to someone else

Complaint:
THIS IS NOT A CREDIT REPAIR COMPANY. THIS IS THE ACTUAL CONSUMER XXXX XXXX. I HAVE ALSO SUBMITTED THIS COMPLAINT VIA MAIL WHICH YOU SHOULD BE RECEIVING ANY DAY NOW. I SUBMITTED A SIMILAR COMPLAINT OVER A MONTH AGO WHICH STILL HASN'T BEEN RESPONDED TO. YOU ARE WELL OVER THE TIME LIMIT FOR RESPONDING TO THE COMPLAINT AND THE ITEMS BELOW NEED TO BE REMOVED IMMEDIATELY AS YOU ARE NOT NOT COMPLIANT VIA THE FCRA. STOP DELAYING. AGAIN THIS COMPLAINT IS  DIRECTLY FROM THE CONSUMER AND NOT A CREDIT REPAIR COMPANY. YOU WILL BE SUED BY MY ATTORNEY IF YOU DELAY THIS AND DON'T REMOVE THEM ITEMS IMMEDIATELY!!! 


Equifax has a bankruptcy listed on my credit report that was deleted and then added back on. I called the courthouse. They stated that they don't have anything in the system and that they don't report to credit bureaus. They said that a third party does and that I needed to dispute or file a police report which I have. This needs to be removed again permanently. I have retained an attorney. I have also disputed this multiple times. My attorney states that we can sue the credit bureau and win due to all of my documentation and Equifaxs refusal to remove it. Also, all of the bureaus have multiple inquiries on my report that I did not authorize. They are as follows : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX should not be reporting 3 times, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Please remove these asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am having difficulty getting Equifax to change my name on my account. I am a XXXX  man and I have legally changed my first and middle names. After my legal name change, I updated my name with my lenders ( e.g. mortgage company and student loan ). XXXX  and XXXX   updated my accounts accurately. Equifax made an error that made it look like I had no credit history. I spent several hours on the phone with them in 2018 trying to fix the error. Each person I talked to gave me different information about how to fix it. I followed all of their directions and submitted a dispute and mailed in all required documents. I know they received these documents because they confirmed on the phone to me that they have had my name change information since XX/XX/2018. I understood the problem to be fixed, but then this week I was denied a car loan because my name on my ID does not match my name on my Equifax report. I have spent several hours on the phone with them and again have received different advice from each person I talked with. Once person told me that the problem was that I still had my old name on an existing account, but the next person I talked with confirmed that this is not the case and my name is updated on all current accounts. Another person told me that she had fixed the problem and told me I would receive an email confirmation. My old name still appears on myequifax.com and I have not received an email. If this does not get fixed in the next couple of days I will lose my car. I understand that they have 30 days to correct any information. Their position is that they should have 30 days from yesterday when I contacted them with this information again. However, by their own admission they have already had this information for 638 days. I want to give them the benefit of the doubt that this is a bad clerical issue and not an lack of competency in working with trans people. However, when I asked a supervisor about it she acknowledged that they have had no formal training or guidance on working with trans people and she seemed to be confused when I expressed frustration at how often I was addressed as Ma'am by Equifax employees while trying to get this addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: NV
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:
Equifax ; XXXX  and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact these accounts are in dispute. The accounts are as follows : XXXX XXXX # XXXX ; XXXX XXXX # XXXX  ; XXXX XXXX # XXXX ; XXXX  XXXX  XXXX  # XXXX ; XXXX  # XXXX ; XXXX  XXXX  # XXXX ; XXXX Collections # XXXX ; XXXX  XXXX  # XXXX ; XXXX/XXXX  # XXXX ; XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX  XXXX XXXX  # XXXX ; XXXX  # XXXX ; XXXX. XXXX  # XXXX ; XXXX XXXX # XXXX ; XXXX  XXXX NA # XXXX and PUBLIC RECORDS accounts. Every single one of these line items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: EQUIFAX, INC.
State: NV
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:
There was a tax lien on my credit report dated XX/XX/XXXX and I wrote each credit bureau after the 7 years to remove off my credit report because it was paid. Per my request it was done for all XXXX credit reporting bureaus ( XXXX, Equifax and XXXX ). In XX/XX/XXXX it reappeared back on my Equifax that was previously deleted in XX/XX/XXXX with a updated date of XX/XX/XXXX. As I read on the Fair Credit Reporting Act a paid Tax Lien should be removed completely after 7 years of original reporting date. How come this is being reported again and it was reported by XXXX XXXX not the Internal Revenue Service Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I had XXXX PayPal prepaid cards that were supposed to link the cards together so that I could have access and my mother. The cards were on XXXX separate accounts even though the information was the same and that 's not what I was told would happen and then they cancelled the card with money on it so now my money is being held hostage there 's no way I can get to it

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 2017-07-15
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from ERC dated XXXX XXXX, 2017 with a third parties name on it ( XXXX XXXX ) claiming that I owed their company for an alleged debt. The letter also stated that I had 30 days to dispute the validity of this debt. I sent ERC a certified letter and they received it within the 30 day time frame. However the same day they received the letter they placed this item on my credit report.
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I disputed the validity of this debt, and I requested validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt.
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Per this requirement ERC must delete this trade line if they do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) It has been almost 60 days since they received my certified letter and they are refusing to comply with the Texas Finance Code. I was also unable to locate a surety bond for this company, which is required in my state for them to collect on this alleged debt.
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Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me pursuant to Texas Finance Code Sec. 392.403.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, INC.
State: CA
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:
I Have been diligently contacting Equifax in order to remove a Consumer statement from my report Since XX/XX/XXXX for a month now. I have spoken to 3 different managers and 5 customer service representatives and they all say they have removed it and will be removed in 72 Hours and give a confirmation # but the Consumer statement still remains on my Equifax Credit Report eventhough I have no collections with Equifax. I need The CFPB to request directly to Equifax that the Consumer Statement be removed Immediately. Last 4 digits of my Social security # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX my wife and I purchased our first home in California. Due to CA tax law, the original tax bill for our home was set using the original assessed home value ( taxes of the previous owner ). This tax bill was {$2800.00}, which is substantially lower than the total taxes we are actually responsible for, which are set on our purchase price of the home. For this reason, we are also required to pay two supplemental tax bills, one for XXXX XXXX XXXX ( prorated to our purchase date ) and another for XX/XX/XXXX to XX/XX/XXXX. These two supplemental tax bills total {$2200.00} and {$6700.00} ( each split in two installments ). Since XX/XX/XXXX, we have paid about {$12000.00} into escrow, which includes the " total '' tax rate : both the original tax bill and the supplemental taxes. In other words, we have paid the supplemental taxes into escrow, as required under the terms of our loan. 

In XX/XX/XXXX, I sent copies of our supplemental taxes to our mortgage servicer, BSI financial, and requested that they be paid from escrow. Despite confirmation of receipt, and assurances from BSI, these bills were never paid. Since then, I have contacted BSI 5 times in attempt to get these bills paid, and have been told each time that they would be paid. Now, the first installments of both bills are three months late, and BSI is completely negligent and unresponsive. 

I am requesting that BSI pay the taxes as stated on our supplemental tax bill from escrow, plus the late fees that their negligence is responsible for. The late fees total {$110.00} and {$330.00} for the first installments of the two supplemental tax bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX has reported a fraudulent account on my credit reports. I have contacted them several times once I discovered these active accounts. They years later are on my credit report even though I have disputed them several times. XXXX, XXXX, and XXXX refuse to remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX is reporting incorrect information on my credit report. I was never late XX/XX/2020. This payment was made on time and I am not sure why it is reporting inaccurately. I have made late payments in the past, but this is erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Experian Information Solutions Inc.
State: WI
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 was astonished when I looked at my XXXX, Experian and XXXX credit reports and realized that I was reported as having a late payment on the date below : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

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 2022-02-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable accounts. I have been fighting to have these accounts removed from my credit report for some time now and it's very nerve racking because I'm not getting any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: EQUIFAX, INC.
State: WI
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 was astonished when I looked at my Equifax, XXXX  and XXXX credit reports and realized that I was reported as having a late payment on the date below : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am currently trying to rent a small apartment with the XXXX XXXX  XXXX also I have applied at the XXXX XXXX XXXX and due to the information that was given as a requirement for the rental property I was not I was unaware of all of these issues that is on my credit that is enabling me to lease the space rent the apartment. If you research my credit history and my payment history in the last 20 years you have you will see that I have been outstanding as a homeowner with my home loan as well as the apartment rental that I have been at for the past 4 years at XXXX at XXXX and XXXX Arizona I noticed all of these charges on my credit report and I know for a fact they are fraudulent and my signature if I want any of these contracts is definitely a forge signature I have been with the same mobile device provider for over 6 years and I 've never had any discrepancies with any XXXX XXXX or XXXX all of these other mobile providers I have never had cell phone service or any service with these companies. 
I am asking that you do a thorough check and that you will be pursuant to the matter and have this disputed and removed off of my credit as soon as possible I also was informed that the maximum is a 30-day process but XXXX XXXX XXXX stated that you guys can take this off of here within the next 7 days so I 'm asking you to expedite this process and a very fair manner thank you for your cooperation and helping me Rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX and Transunion will not send me a weekly credit report. There are many inquiries on both reports negatively impacting my credit score.

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