BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax XXXX, XXXXSOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police reportI 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as followsXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX RECOVERY Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Hi, do you know that XXXX has this practice? I overpaid my XXXX credit card, they gave me a check for the refund, XXXX out my credit card that I dont owe them anything anymore, I presented the check to the bank after a month and they said that the check is expired! Checks dont expire after a month, I havent use my XXXX credit card and worse part my bank charged me {$25.00} for presenting an expired check. You know what XXXX did? They requested for my bank statement! Wow!! For all the inconvenience I got, they question my {$25.00} and the {$34.00} that Im out. Its quite a sneaky practice! Please help us, thats sneaky! 

This happened to me today. They will be giving me back my {$34.00} but isnt that practice sneaky?!?! Who cancels a check after 1 month just because it was not presented?!?! 

Please help. Thank you.

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 2017-01-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I pulled my Equifax credit report for my XXXX XXXX course at my college. Upon looking at the report, I noticed an inquiry that did not belong to me ( XXXX ). It stated this inquiry took place on XX/XX/2016. I have never had a business relationship with XXXX and have never contacted them. I contacted Equifax over online chat to attempt to dispute it after finding their online dispute form did not allow me to dispute this fraudulent entry. After speaking with an Equifax representative, she rudely informed me inquiries are " matter of fact '' and to contact XXXX. I contacted XXXX and after searching numerous ways, they found that they had never pulled a report on me and I was not even in their system. I contacted Equifax again and spoke with another representative who also told me he could not help me. I just want the fraudulent entry off my credit report and no one will even investigate, despite the fact they claim they will within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX/XXXX/2016 a dispute was initiated through the CFPB porthole with respect to erroneous accounts being inaccurately reporting on my Consumer Report and for Equifax failing to provide me with accurate information as to who furnished the alleged accounts per Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). ( See : CFPB ref # XXXX ) A search of the Equifax site revels that the company has not initiated a formal investigation as stated in their response through the CFPB porthole on XXXX/XXXX/2016. ( See : CFPB ref # XXXX ) Equifax continues to violate my rights as a Consumer. ( See : Attachments ) I have provided all documentation required of me by law and Equifax continues to violate my rights. The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. Equifax also failed to initiate an investigation after receipt of notice of dispute. Additionally the company has received additional communications from me " the consumer '' during the review of the complaint. I have called the US Bankruptcy Courts-XXXX who Equifax alleges furnished the information at ( XXXX ) XXXX. The Courts informed me that they did not furnish the information to Equifax. Equifax refuses to provide me with the name, phone number and/or address of the Company who allegedly verified the inaccurate information. The following accounts are not mine and are inaccurately reporting on my consumer credit profile ; 1 ) US BK Court-Greenbelt # XXXX 2 ) US BK Court-Greenbelt # XXXX 3 ) US BK Court-XXXX # XXXX This is my final attempt to communicate with the company to correct their records ; and any information obtained shall be used for that purpose. This is not a statement, election, or a waiver of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I opened a non-reporting installment agreement with XXXX XX/XX/XXXX. Our agreement specifically stated that no reporting to credit bureaus would be used, and no reporting of payments or status of the account to any of the major reporting agencies. The company changed its receiving company XX/XX/XXXX, and there was an error in my payment history and amounts due. After I paid what was my correct balance, XXXX decided to break our agreement and place an erroneous balance on the Equifax report. I filed a dispute with Equifax XX/XX/XXXX, and this information was removed. Now I find out recently, that XXXX has placed this information back on Equifax as a revolving credit card. I never had a credit nor a revolving line of credit with this organization. All information about this account is erroneous and should not be reported per our original agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This specific XXXX/XXXX ( Account # XXXX ) credit limit of {$500.00} was once deleted on all three credit reports ( XXXX, equifax & XXXX ) and now i see that they are back. Please delete This specific XXXX/XXXX ( Account # XXXX ) from all three bureaus because it 's now holding me back from purchasing my brand new home. The bank gave me 30 days to work on having This specific XXXX/XXXX ( Account # XXXX ) removed from all three credit reports before they make their final decision on my loan application. Please honor my request so i can finally move my family into our brand new home. Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I want the credit bureau to verify proof documentation to me ( consumer ) via mail of all delinquent items according to FCRA page XXXX statue 609-disclosures to consumers [ 15 U.S.C. statue 1681g ] information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ statue 1681h ], clearly and accurately disclose to the consumer. If the XXXX credit bureau 's can not provide proof documents of said law FCRA requirements, I am demanding that any delinquent items be deleted from credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax refuses to provide me proof of how they completed an investigation that I submitted with regards to fraud. I have sent Equifax a certified letter requesting the specifics of how they investigated an account showing on my credit report with XXXX XXXX XXXX XXXX. This investigation was improperly done and it was not properly investigated an a fraudulent account. Since this investigation was improperly done I demanded by certified mail with return receipt requested proof of how they completed this identity theft investigation. Equifax is required by the FCRA to do a reasonable investigation with regards to fraud reports. Equifax has violated the FCRA and not done a reasonable fraud investigation. This account was reported as fraud yet Equifax only verified the name and address on the account, and that is not a proper investigation. I was told by a representative at Equifax that they only submitted the information through XXXX. I gave them the name and number of someone at XXXX XXXX XXXX to contact with regards to this account and they refused to contact this person. Equifax has refused to comply with my certified demand requesting that they provide proof of their proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Seterus, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Good day. My mortgage was transferred over to Seterus. I began making my first payment XXXX XXXX. Since that time it has been one problem after another with the financials on my loan. Attached is the complaint letter I sent to XXXX. Since that time nothing has been resolved,. My on line statement tells me one amount due but the statements I receive in the mail give another amount due. I have been speaking with several reps from Sterus and also XXXX from XXXX and nothing seems to change. In the midst of all of these problems I find out that my mortgage payment has went back down to the original amount quoted due to a miscalculation /oversight on Seterus end. I feel as though in the midst of the complaint letter and ALL of the calls, someone from Seterus should have reached out to me by now to assist with this problem to be sure that I am receiving the correct information on my payments. It 's very concerning and frightening to deal with a company who is having difficulty in maintaining my financials on my mortgage payments. XXXX rep tells me they are satisfied with all that has been done but nothing has been done to correct the problems with my account. I have already been through a bad experience once before with XXXX and a loan modification which caused me more problems than good. I just want this resolved and I want to be sure that Seterus is handling my loan the way it should be. At this point if i could switch over loan companies I would because I have NO faith in how they are handling things.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax is holding XXXX mortgage accounts on my credit report well over 10 years since they were paid in full. Evey time I try to dispute them they change the date reported to a new current date and tell me they now have to stay on my report another 10 years. This will make them over 20 years old. I have called both lenders and they tell me they no longer have records of these accounts and just report to Equifax that I did have these loans at XXXX time. This is the only credit bureau doing business this way and tell me it is their policy? I want these removed from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was reported 30 days late by my bank which I have a line of credit with. For some reason our check did not get processed properly because of a bank error or mistake. They got my check and then returned it back. We followed all bank guidelines for listing information for external payments coming from banks. As of a result my payment was never processed properly and a negative remark was placed on my credit report. I 've disputed and requested an investigation however I 'll I got was a letter from equifax saying that my letter was sent by someone else and they we 're not going to help me .... I sent it in and attached my ids.. weird that they would send that to me. I need to get this handled because I have goals in the future for my credit. attached is the usps tracking number and the letter XXXX sent me along with the check image thanks vijay

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: First Data Corporation
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
please refer to # XXXX I had a acc with XXXX XXXX they closed my acc and are telling me I am stuck with the credit card processor till the end of the contract. I was told I would be let out of it by XXXX in security. XXXX XXXX vice president of consumer affairs was rude condescending. please help its been going on for 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
ATTN CFPB : THIS IS NOT A DUPLICATE COMPLAINT, I HAVE BEEN AWAITING A RESPONSE FROM EQUIFAX AS IT IS NOW XXXX XXXX, 2015 AND UI HAVE NOT RECIEVED A RESPONSE FROM THEM IN REGARDS TO MY DISPUTES. AS EQUIFAX IS NO DOUBT AWARE THAT THEY HAVE LEGALLY EXCEEDED THE TIME FRAME ALLOWED TO THEM ACCORDING TO THE FCRA. THE DISPUTED ITEMS MUST NOW BE LEGALLY REMOVED FROM MY EQUIFAX CREDIT REPORT. 


I am writing in reference to my original dispute. I have disputed these alleged account information as inaccurate with Equifax, and Equifax has come back to me and stated that they were able to verify these alleged debts. How is this possible? Under the laws of the FDCPA, I have contacted and filed a complaint with the CFPB on each of the creditor currently listed on my Equifax credit report myself and have been unable to get them to verify that this is indeed my debt. 
I have previously enclose copies of my requests for each creditor to VALIDATE these alleged debts, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay these alleged debts to the creditors listed on my Equifax credit report. 
The FCRA requires Equifax to VALIDATE the validity of the DISPUTED items within 30 days. If VALIDATION can not be verified, Equifax is obligated by law to remove the DISPUTED items. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
Equifax has been unable to legally VALIDATE these DISPUTED items pursuant to the FCRA, and is continuing to list the disputed items on my Equifax credit report I will find it necessary to sue Equifax for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue Equifax in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I would also like to request that a new fully updated copy of my credit report be mailed to me at the address listed above in this letter. 
As you can see I am keeping a very detailed record of all my correspondences with Equifax. 
I look forward to a speedy resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by ALLY FINANCIAL on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Unable to get my credit report the message was like this " Our records indicate that you received your annual free Equifax , XXXX and XXXX credit report on XXXX/XXXX/2015 ''. 
" A condition exists that prevents Equifax , XXXX and XXXX from being able to accepts your request a this time ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-14
Company: First Data Corporation
State: TX
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX/XXXX/2015 am authorized transaction of {$10.00} was deducted from my payroll account to XXXX bill pay. I can not know the possible reason why unless the financial institution, or someone who works there is to blame for this because I have no XXXX bill pay accounts. Also, when I called customer service to dispute the master, the first representative tried to tell me that it could n't be disputed because the charge was already settled. Then he told me that he would cancel my card and issue a new XXXX at no charge to me. However my account now reflects a SECOND unauthorized charge of {$6.00} for the reissuing fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This item is wrong and inaccurately reported on my report for a while now under different names, first started with XXXX, then XXXX XXXX and now it 's listed under XXXX. 
I 've contacted Equifax in writing and requested a permanent removal to this item since it does n't belong to me, the mailed me back that the item remains and they did n't include any proof to support their investigation or any proofs pairing signature that the item belongs to me. 
so, I contacted them again in writing requesting from them to provide a solid proof pairing my signature as proof of my ownership to this account, yet the failed to provide anything or documentation pairing my signature and they still stated the item remains on my report. 
XXXX wo n't give me any answers or access to learn about the account since it 's not mine. 
I 'm writing to CFPB today requesting to press a serious action against Equifax for their incompliance and violation of the FCRA, unless they are willfully give a fair investigation to this matter, provide any documentation pairing my signature or solid legal proof to my ownership to this account, and if they are n't able to provide any of the above then they should permanently delete this item off of my report with no reinsertion even if the same debt comes back with different entity collection. 

the collection or debt info is : XXXX/XXXX balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
The item in question is a bill for a missed doctors appointment XX/XX/2011. I refused to pay it because I called them and cancelled the appointment two days before and even showed them the call on my cell phone bill. Other than that I have perfect credit. Regardless, it 's XXXX years old so it should be removed and I stated this in the dispute. XXXX and XXXX removed it. Equifax replied that they verified the debt as mine and closed my dispute. I never said it was n't mine, I said it was over 7 years old and submitted the original bill as proof that the collection agency sent me clearly showing the date. Even the collection agency admits it 's over 7 years old but they do n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX I received a notification from XXXX, a debt collection company. They violated my right to privacy ( 15 USC 1681a ( 4 ) when they received my location information from SunTrust Bank regarding an account that was opened as a result of identity theft. XXXX further violated 15 USC 1692e by demanding payment for an alleged debt in a positive status and violated 15 USC 1692b by stating an alleged debt was owed.

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 2015-04-16
Company: First Data Corporation
State: HI
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Received letter from Money Network in the mail to upgrade an account. I do not know what type of account it is and I do not have an account with Money Network and I believe this is a SCAM. If this is not the right forum or site to report this please let me know where.

Company response to consumer: Closed with explanation