BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-05
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX through XX/XX/XXXX I have disputed in various forms the following accounts for inaccurate information. They have not been properly been investigated or verified. All accounts have been ran through e-Oscar with the metro 2 compliance guidelines. I have had this problem with all three bureaus but in particular equifax .... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: EQUIFAX, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My complaint is with EQUIFAX. EQUIFAX has no online complaint service that I can find. I have tried too many times to count in the last couple of years to dispute mistakes on my EQUIFAX file with no success. Their online service either asks security related questions that are not related to my credit, or if I get passed that point it will time out before I can complete the process, suddenly becomes unavailable, or malfunctions for a multitude of other reasons with the same result, a lot of time spent with absolutely no results. meanwhile the list of mistakes on my file with them grows. When I apply for credit and the organization uses EQUIFAX, I do not receive favorable results due to the mistakes viewed in my report by the organization, and these mistakes also lower my credit score, something all creditors use exclusively in their decision to grant credit. Creditors may say they look at the entire report to determine ones credit worthiness, but in my experience, not once has any creditor looked at anything beyond the score. I had a foreclosure after enjoying 30 years of excellent credit, getting mortgages on a signature. my credit score went into XXXX and while the foreclosure showed on my credit file I could not get any credit at all. once it was off, the score remained in the same place, I 've now had four years of fighting to get credit with very small limits, but have been excellent at paying everything on time, but still my score stay the same. I have to believe that no matter what I do I will not ever see a credit score of more than XXXX. But I still try by attempting to have the mistakes which over time seem to collect on ones report, removed. I ca n't tell you how many hours I 've spent on this. Please make this company clean up the bugs to it 's system. It 's hard enough in my XXXX 's now to deal with life in the capacity of borrowing at high advantage taking rates by predatory lenders when in my XXXX 's I enjoyed the lowest rates the market offered. When I make the attempt to I should not have to have insult heaped onto injury dealing with an online service that does not work. EQUIFAX has offered this service only to look as though they are making every effort to be transparent allowing individuals to access their credit file, but in truth they 've set it up a facade, an irresponsibly wasting the time of those already set back because of their credit circumstances. They are no better than the criminals who steal from us. Thank you in advance for putting them on notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I belong to XXXX XXXX and check my status regularly. For some reason my late payments on the Equifax report, ( which I have none ) went from XXXX percent on time to XXXX percent in the last month! Looking at my Equifax credit report out of the XXXX accounts shown there are NO late payments. According to Equifax out of XXXX reported payments I supposedly have XXXX late payments?? Please supp ; y me with the company 's or persons that I supposedly have not paid. They are not on the Equifax credit report that is on XXXX XXXX and must have happened over the last month! As a side note my XXXX information XXXX payments were on time, it would also be highly unlikely that XXXX would miss this. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been disputing this account repeatedly with documentation showing this account does not belong to me. I received notice from Equifax dated XXXX/XXXX/15 under dispute # XXXX stating that the disputed account no longer appeared on my report. I checked my credit file today, XX/XX/2015- and the account is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX out of XXXX of my addresses are correct, # XXXX is incorrect, I am from XXXX and that # 4 address is from XXXX, found at credit report from EquiFax, employment History is correct. 
I think, someone else used my identification, I would greatly appreciate in advance your great support. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In XXXX of XXXX the IRS filed a tax lien against a Condo I own. The taxes owed were not owed by me, and were in dispute. 

I settled the tax matter with the IRS, and the Lien was removed from my property. XXXX has removed the public record from my consumer credit file. 
Equifax has not corrected the entry. I have disputed the item with them two times. They have NOT changed the status or amount. So it looks like I still owe {$17000.00}. 
When I applied to refinance my Mortgage I was declined due to the outstanding federal tax lien. Which has had a zero balance. Attached is a copy of the notice from the IRS showing the Lien was Released on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Complaint against Equifax I need to know the information Equifax and the credit grantors are using to keep reporting those accounts I suspect to be result of fraudulent activities, in order to find out if I can identify the possible fraudulent acts and actors. Nevertheless, Equifax makes it very difficult for me to conduct my investigation. Even though, I have found already wrong addresses, employers, phone number and even some credit grantors have contacted the credit bureaus reporting possible fraud in my file, they still do n't cooperate with me for a resolution of my problem. The following are some of the things I have tried in good faith to resolve these issues : 1. I have been disputing items in my credit report that I am suspecting to be result of fraudulent activity, for over a year now. Nevertheless, Equifax always comes back saying that the items were verified by the credit grantors. ( see attached documentation ) 2. I have requested them to provide me to the information the credit grantor used in order to authenticate these accounts and they never reply back to me. ( see attached documentation ) 3. They pretend to open a new investigation every time I send these letters requesting additional information used to identify those accounts as mine, and few days later they return a result as already investigated and with new information added to the file. This new information is never provided to me, in details, when I request this to be sent to me. ( see attached documentation ) 4. They have requested me to contact the credit grantor. When I have contacted the credit grantor to obtain additional information they always failed to respond to me. I have even copied Equifax and I have requested them to remove the information should the credit grantor fail to respond to my request for additional documentation. They never remove this information. ( see attached documentation ) 5. I have sent evidence of my failed communication with the credit grantor and they have chosen to ignore it. ( see attached documentation ) Please kindly proceed to open a complaint against Equifax. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
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:
After submitting the request information at XXXX, each of the XXXX credit bureaus claimed they could not provide my reports. When I attempted to submit a comment/complaint, the site claimed it could n't even accept a comment. This is a scam. I viewed my credit report at my credit union today and I KNOW what information they have. But in order to get a copy of the report, they want me to provide them with information I know they do not currently have. I am not willing to play that game. They owe me a copy by law. How can I force them to comply?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: CORELOGIC INC
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I applied for a vehicle loan, The dealership said I was currently past due and had XXXX open autos. I do not I have XXXX. I went to the credit union she showed me that they were reprting correctly. I went to annual credit report.com all XXXX bureaus were reporting correctly. 
The only place reporting incorrectly is credco corelogic. Thier defense is they get thier information from credit bureaus, My point is The vehicle they are reporting is A paid out vehicle, It has been reporting correctly through thier system for years I have proof they reported it correctly before. I do Not have but XXXX open auto its through XXXX XXXX. They seem very unwilling to correct the problem and are putting it off on bureaus and Credit union. But I have proof that bureaus and credit union have it correct. 
Please help in any way you can This has directly affected my score and I have numerous inquries. I also have been turned down for an auto loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Re : Evasion of FCRA by Equifax I requested my free annual report from Equifax on XXXX XXXX, XXXX. I provided all of the personal identification information requested, none of it has changed within the past 9 years, and all of it agrees with with what Equifax had on file at the time of their last disclosure ( on XXXX XXXX, XXXX ). More specifically, my mailing address has not changed in over 9 years and Equifax has exactly that address on file. 

I answered all of the security questions correctly. None of those questions were ambiguous. There is no possibility any of my answers could have been construed as " wrong '' and, indeed, they seem to have been accepted as correct. 

I got the following response : " We 're sorry, for your protection we are unable to deliver your Equifax Free Annual Credit Report online. '' Instead they demand I physically mail " Identity '' and " Address '' documents and that " The item you submit from the " Identity '' category MUST contain your Social Security Number and the item you submit from the " Address '' category MUST contain your current home mailing address. '' Interestingly, they have made the same demand in the past and I complied. So they already have exactly the documents they are requesting and already received them by US Mail. 
Again, my mailing address has not changed in over 9 years and Equifax has exactly that address on file. My social security number has never changed. And Equifax already has the documents they are requesting. 

It will take 2-3 weeks to obtain the report by mail ( from previous experience ). 

It appears Equifax would prefer I pay for a report or subscribe to their service to obtain XXXX electronically, and are evading the FCRA by making it as difficult and time-consuming as possible to obtain free annual disclosure. 

I want the report now because I plan to apply for credit next week. I will have to pay to see it this time. Please put an end to this evasion of the FCRA. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I sent a recent dispute letter XX/XX/XXXX to the credit bureau about an item on credit report for the original creditor University XXXX XXXX Account. The dispute was initiated XX/XX/XXXX and the investigation was completed XX/XX/XXXX in the report number XXXX. I have previously sent in disputes as well disputing that I do not have an unsecured loan with University XXXX XXXX this account back in XX/XX/XXXX. I spoke to a supervisor today XX/XX/XXXX with Equifax dispute department by the name of XXXX XXXX ID : XXXX, I informed him that I sent a dispute in to dispute that I do not have a unsecured loan with University XXXX XXXX, but the dispute was sent in to dispute the balance. I did n't request that. XXXX told me that he see I requested for the dispute of the status of the account and where they disputed the wrong code to the company. He also stated that he see where I disputed the same issue back in XX/XX/XXXX and University XXXX XXXX verified that this account is an unsecured loan. I told the supervisor that is why I sent in another dispute because I have documentation from the creditor that is not an unsecured loan. I asked the supervisor, if I have documentation that this account is not a loan and the creditor keeps verifying it is, this is legal for them to report inaccurate information. The supervisor then told me that the company can report whatever they want ; we receive the information from the creditor. I do n't have an unsecured loan with University XXXX XXXX. According to the Fair Credit Reporting Act that the credit reporting agencies provide you in the credit report that is sent out in the mail. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. University XXXX XXXX did not verify that I have an unsecured loan with them. I called University XXXX XXXX XX/XX/XXXX at XXXX ext XXXX, spoke to a representative that stated the reason the credit report is showing Unsecured Loan is because they do n't have any other options to choose. The explanation that I was given of this action that has taken place on credit report is not my fault and supposed to be removed for reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: Portland Credit Inc
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Portland Credit Inc, also known as Fidelity Collections took exempt funds from my HSA ( Health Savings Account ) and charged a fee for doing so also. In the state of Oregon, HSA accounts are exempt accounts. I submitted a complaint regarding this and also attached my HSA statement with the complaint however XXXX ( the collector ) still refused to honor it and demanded that I go to court to have a judge determine that my funds shouldnt have been taken. I went to court on the XXXX of XXXX 2015 and it was determined that ALL funds must be returned to my HSA account including the erronious fee charged for taking the funds. I still have not received my funds back and I have given ample time for them to comply. I am still being adversely treated by this company and I need those funds to pay for my childrens medical bills. I am also losing interest on my funds not being in my account. Not only has XXXX incorrectly handled my account by not providing federal disclosures or properly verifying my identity when I called before discussing detailed debt information, she has purposely witheld my funds even after being made aware that the funds are exempt and required me to lose wages by having to go into court to show a judge what I 've already provided in my initial CFPB complaint. She has placed a Lien on my property for a debt that is below the amount of XXXX dollars which is not at all how collection agencys treat people with debts. I not only have already had my personal information shared within that company due to my XXXX, but I have been also charged fees that have nothing to do with the debt itself. This company is being extremely and overly aggressive of my debt due to the fact that I have my XXXX and more than likely providing false claims and information about me to make them attack me more aggressively than any other person they are trying to collect a debt from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: ARS National Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the agreed settlement amount on XXXX XXXX, 2015. I contacted the company and asked for a letter stating the account was paid and closed. The letter I received still states i have a balance with the company and the supervisor ( XXXX XXXX ) I spoke with stated that ARS sends these letters out this way and I would not receive anything else other than this even though I don not owe a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX, I executed a qualified written request which was overnighted to Seterus by the United States Postal Service through Express Mail under tracking number XXXX on XX/XX/XXXX. It was received on XX/XX/XXXX. I requested a complete payment history. They acknowledged the request on XX/XX/XXXX and XX/XX/XXXX. I have heard nothing to date since then. I have enclosed a certification of amounts due regarding the foreclosure action. Seterus claims to be the servicer since XX/XX/XXXX, however, they are attempting to be reimbursed {$11000.00} for taxes they allegedly paid from XX/XX/XXXX to XX/XX/XXXX. Why is Seterus attempting to be reimbursed for taxes that were dispersed before they became a servicer? They are charging for {$630.00} for 44 inspections but failed to state when these inspections were done and what they encompassed. They claim I owe {$140000.00} in principal but failed to show how they came to this figure. There was a long forbearance agreement years ago which went on for months and months. How do I know if this was reflected in the current principal amount and interest due? How did they arrive at {$74000.00} for interest without a proper payment history? I dispute all of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
In XX/XX/2015 I started disputing this issues with XXXX and Equifaxfraud on my credit report. Equifax has not want to do anything aboutthis and in timely fashion. Finally I a letter from XXXX to me andstating sent letter also to Equifax to remove off my credit due to fraud. 
They said they had until XXXX/XXXX/2015 to remove it and as of today XX/XX/2015it is not removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
After originally complaint was filed, more information was requested. It was faxed 6 times and every time we called they said they did not get it. I received my credit report in mail dated XX/XX/2016 ( Equifax Confirmation # XXXX ) and it is now WORSE THAN EVER!! My name has been completely removed from my own credit report. It has been change to someone and I do n't know who by the name of XXXX XXXX XXXX, XXXX. The Date of Birth is not mine. My address is XXXX XXXX XXXX address. THIS IS SO WRONG!!!!! I call to talk to people and NO one knows what is going on. I have submitted my SS card and my DL to confirm my identity, which is XXXX XXXX XXXX, XXXX. But they still say I am XXXX XXXX XXXX. HELP HELP HELP!!! HELP!!!!! I have no idea who this person is!!!! My health can not keep this going!!! I need someone to contact whoXXXX can fix this and fix it NOW!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
THEY TOLD ME THEY DO NOT REMOVE THIS ON THE CREDIT REPORT WHEN MY ATTORNEY TOLD ME IT IS TO BE REMOVED IT IS OVER XXXX YEARS OLDTHEY ALSO SAID THEY WERE ADDING MY WORK HISTORY AND DID NOT. I AM SHOPPING FOR A CAR AND NEED THIS FIXED

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I retrieved my annual Exquifax Credit Report on-line dated XXXX XXXX, 2016. Then I received another credit report in the mail dated XXXX XXXX, 2016. I reviewed the credit report and realized that XXXX Mortgage account was reported as " XXXX, XXXX, XXXX & XXXX with XXXX Days Past Due ''. I filed an on-line dispute that I have never been late on a XXXX Mortgage payment. I received the investigation results, dated XXXX XXXX, 2016. The report had the same delinquency. I called Equifax and requested another investigation, dispute # XXXX. I received an investigation results, dated XXXX XXXX, 2016, still had no correction. ( Both disputes investigation result reports are attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax deleted fraudulent, false data from XXXX XXXX because it was n't my debt and they agreed to it. Additionally, they are now reporting a debt from XXXX XXXX {$480.00} that does n't belong to me and the creditor refused to " verify ''. Finally, I have had XXXX hard credit pulls in 2015 and it 's illegal to report inquiries that are not mine and do not constitute fair use. I should n't have any 2015 credit inquiries and these debts that are not mine need to be taken off my report. This is harassment.

Company response to consumer: Closed with non-monetary relief