BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been disputing credit items with Equifax & XXXX for over a year now every month or so! I have never had a Mortgage with XXXX XXXX XXXX and there is no documentation proving this! I have asked numerous times to have this removed online and in writing! These credit reporting company 's have refused to provide the proof, there system is automated to send reply 's in there favor if information can not be provided. 
I had a Mortgage with XXXX XXXX loans!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I was lured into obtaining my free credit score from eqifax in XX/XX/XXXX or XX/XX/XXXX, only to realize that my checking account was being charged {$59.00} for a credit monitoring service, which I had never signed up for and/or given approval for. It took nearly XXXX months to remedy the situation and the finally agreed to discontinue the service, but refused to reimburse me for the {$59.00} monthly fees already charged over the last XXXX months. I have read that the suit against eqifax and transunion dates back to XX/XX/XXXX, however, I can assure you that it it began far earlier, as I ca n't be the only person this happened too. I respectfully request to be included with the other victims of fraudulent activities commited by Equifax and XXXX. I addition, I would encourage your department to investigate such activities and resultant victims long before the XX/XX/XXXX start period. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2022 I reported to my local police department a Identity Theft Complaint and Affidavit. 

On XX/XX/2022 I forwarded a copy of my Identity Theft Complaint and Affidavit to XXXX Equifax and XXXX by USPS certified mail. 

On XX/XX/2022 I forwarded a requested Affidavit statement to XXXX Equifax and XXXX that confirmed that I have been a victim of identity theft and the listed accounts, inquiries and information was inaccurate dute to identity theft. 

On XX/XX/2022 I forwarded a second Affidavit statement to XXXX Equifax and XXXX that confirmed that I have been a victim of identity theft and the listed accounts, inquiries and information was inaccurate dute to identity theft.

I also referred to 15 USC 1681c ( 2 ) in which a consumer reporting agency shall block any information that is resulting from identity theft from the consumer no later than ( 4 ) business days from the receipt notice of the consumer. 

XXXX Equifax and XXXX has failed to block all of the information from my consumer report that was the result of identity theft. All consumer reporting received the required documents as listed by federal law, and my consumer report still reflects inaccurate information due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed a XXXX Tax Liens out of XXXX XXXX, Arkansas ( which I havenever lived ) with XXXX and Equifax. Well, XXXX investigatedand resolved the issue but Equifax did not. They say it " IS '' me and ifI am not, I should contact them. 
This is affecting my life and I need it resolved. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have an existing investigation with CFPB number XXXX I have received an email reply from Equifax with a new case number XXXX When I try to log into Equifax website to view the results or the status of the dispute, I am not able due to incorrect information and no access There is no information on the Equifax website on how to contact them, email or phone I would like to get some clarifications/answers : 1 ) With all the complains against this company, why are they still allowed to do business in the United States 2 ) Why is this company allowed to report on persons credit with the wrong information 3 ) Who do I have to contact or how do I get to have this company stop reporting on my credit and history, since the information provided is incorrect and of no help to my credit report and/or history

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I requested an investigation from the credit bureau twice for a mistake on a delinquency. My credit report states the account had been paid and closed on XXXX/XXXX/2014. However, it also states the account has been transferred to another office. When I contacted the company that I had the account with they state its has been paid in full and is closed. I have been disputing the issue for a couple years now. The credit bureau made a remark stating that the investigation has been completed and that I disagree with them. Yet no one can give me the information on this mysterious " office '' that now has my account which was already paid in full and closed. Please help, I dont know what else I can do. Fixing my credit is very important to me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I contacted Equifax about items that were removed from my credit report and inadvertently placed back on there by the office of consumer affairs. I spoke to several reps and supervisors to have a security/fraud freeze removed from my credit report because it 's violating the FCRA law by preventing me access to my credit score and report. I was told by a rep in the office of consumer affairs that this was done to protect my file, however, I asked for it to be removed because I did not ask for it to be placed on My credit file and there 's no suspicion of fraud. Equifax is refusing to remove this freeze and allow me to access my own credit file/score online. Someone internally in the office of consumer affairs did this purposely. This was previously reported to Cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The payment amount reporting for the amphibious base was incorrect it 's my account, XXXX removed it and I want it put back on my report. The account number is # XXXX # then they are reporting the account with XXXX XXXX XXXX as a charge off and it has been paid of since XXXX 2014 they sent the update to XXXX.that account number is # XXXX. Then I have XXXX accounts that were included in my bankruptcy that they are reporting 1. XXXX XXXX acct # XXXX 2. XXXX XXXX XXXX acct # XXXX 3. XXXX acct # XXXX all XXXX of these accts were discharged XX/XX/2014 with my bankruptcy. I would like for XXXX to correct this accuracy because it 's hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed my account showing late pays - the account has been paid off and the late days that were reported were suppose to be removed due to an agreement I made with XXXX in exchange for paying the account off. I also do not agree with the XXXX late pays that are shown on all XXXX of my reports. I have asked for documentation and that has not been provided. the account is paid and closed- I would like the late fees removed as agreed per telephone conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Over the last 12 months I have sent multiple letters to Equifax stating XXXX XXXX wrote off this account for company tax purchases. It should not still be on my credit report because XXXX XXXX took the tax credit once this account was written off. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My mortgage was with XXXX XXXX and was transferred to XXXX XXXX XXXX 2016. XXXX mortgages are showing on my XXXX credit bureau reports with the full amount. This doubles the mortgage amount I owe and I 'm being denied credit due to excessive obligations in ratio to income.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: Seterus, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My first mortgage payment with seterus was in XXXX 2016. XXXX, XXXX, XXXX, and XXXX were all paid on time. At the end of XXXX I received a letter stating that I owed for all four months payments. Their claim is that the payments were denied by my bank, and I was informed to send them proof of payment through fax. They requested my monthly bank statements showing proof of payment. I sent my monthly bank statement showing the payment went through with all but the last XXXX of my account numbers blocked, and all financial transactions not pertaining to them blocked. Included in the fax was proof that the payments had posted, and 2 days later been authorized by the financial institution as well as a letter from the bank manager expressing that all payments had went through and not been denied. Upon calling seterus to confirm they had received the faxed documents i was informed that my loan was going into moderation, and also that I had to resend the bank statements showing every transaction from my bank account ( which I will not acquiesce to ). I continue to get letters threatening foreclosure or default, and they refuse to allow me to make a current months payment until I " repay '' the previous 4 months total.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a written letter from XXXX XXXX XXXX , XXXX regarding an account. The written letter offered the option of " 1 payment of {$970.00} '' after which my account would be considered " Settled in Full '' once the payment is successfully posted. ( Please see attached letter ) When I proceeded with the payment, the prompts promised " You should receive in 5 business days a confirmation letter, at the mailing address indicated on the previous page, reciting the terms of your payments and confirming your authorization. '' I paid the {$970.00} ( please see attached section bank statement noting payment to XXXX XXXX XXXX , XXXX ) and not only have I not received this letter, but XXXX is still reporting my account as OPEN and " Seriously past due date / assigned to attorney, collection agency, or credit grantor ''. ( See attached Credit Report excerpt ) Their statement was misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/XXXX I filed a dispute with Equifax along with XXXX and XXXX in regards to XXXX XXXX XXXX in regards to inaccurate information that was being reported by this company for XXXX XXXX. On XX/XX/XXXX this information was deleted by all three bureaus. Equifax gave a confirmation # XXXX stating the information had been deleted from my credit report because the creditor did not verify the information to be accurate. On XX/XX/XXXX XXXX XXXX XXXX reported the same information and Equifax re inserted the information without making sure it was accurate. Also, credit bureaus are required to notify consumers within 5 days of re inserted previously deleted items according to FCRA. Equifax did not send any notifications nor did the creditor certify the information to be accurate. Such actions can be punishable in monetary damages. Please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that it has gone over the 30 day mark and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act, they are required to " delete all information that can not be verified. '' I need your help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now o

ver 30 days and have failed to respond. I am attaching a Copy of all letters sent below. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is a new complaint, as an additional issue with Equifax, This is a NEW Issue - as there are IMMEDIATE and PERMANENT Changes they have made that are impacting me in such a harmful manner, and knowingly. 

The manual manipulation of my records has crashed my scores and in one day, from XXXX to XXXX -- - and in a PRODUCTION EQUIFAX Credit Reporting instance. Apparently the changes made against my record to resolve this issue were simply moved into an application, with no quality checks or inspection, Attached is my record in Equifax - Yesterday, and then TODAY when they went in and changed the PAY HISTORY segment of their application to show a CHARGE OFF Status as of XX/XX/XXXX, all while the DATE CLOSED remains unreported. 

This account has been closed for XXXX years. 

Equifax has indicated that there was no response needed to my disputes, manipulated the data residing in their database to such a point of inaccuracy that this record 's corruption is not reversible, or their technical team no doubt would have done it by now. Yet, although they are aware of the issue, and according to the FCRA defining their needed action to delete this account, have instead updated data that has caused my scores to DROP and in ONE day by XXXX points. 



There is an existing dispute with Equifax regarding the state of my account - within their records. I have asserted that the records are not juist corrupt - but at such a innacurate state - that they must be deleted. 

I am attaching of screen shot of what my account looked like on XXXX and then today - XXXX hours later on XXXX. 

1. XXXX is a closed account since XX/XX/XXXX ( on or about XXXX ) 2. XXXX was in a CHARGE OFF STATE at that point, or XXXX. XXXX should have a CHARGE OFF STATE indicator on my records in XXXX. XXXX does NOT have such an indicator, and in FACT now does have a CO state as of XX/XX/XXXX, which is wholly inaccurate as per the XXXX file specifications, that require this date/data to be equal to the actual date this account became in that state5. The account still, has no closed date - appearing as if this is current CO6. This manipulation/change by Equifax/XXXX has NOW caused my score to drop over XXXX pointsThis CRA is now responsible for literally, destroying my credit one day at a time, and with knowledge that - this account under the FCRA, has become so corrupt that they MUST remove it. 



.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2015 I disputed an unauthorized inquiry on my report. I was unsuccessful in receiving a response from XXXX XXXX XXXX after not receiving a response, I sent my letter of concern to the XXXX credit bureaus addressing my concern. XXXX XXXX XXXX responded after the 30 day time frame only to ask to send additional information I have already provided. See information attached and remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: CA
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:
There are false accounts included in my credit reported and i have been writing to the bureau for the past two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been disputing and requesting validation of a debt I do not owe for nearly 4 months now and EXPERIAN has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts. IN ADDITION THE OTHER XXXX BUREAUS XXXX AND XXXX HAVE ALREADY REMOVED THE ITEM in question, so it appears EXPERIAN wants to play by their own rules. The item on my credit report XXXX acct # : XXXX is falsely showing. Not once have they provided me valid proof that it was mine NOR that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items XXXX ) but would not disclose how they got any of my information in the XXXX place : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. 

I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-04-09
Company: Seterus, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Lender never issued XXXX Mortgage interest statement for mortgage interest pain in year 2013. As all interest was paid in full from the sale of my home, I should have received a XXXX statement for tax year 2013 which accurately reflect total mortgage interest paid to Seterus Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
a company did XXXX credit inq on me with the help of cfpb this company agreed to have these inq removed of my credit and i did an online they are refusing to delete these inq XXXX of them there are also issue with them no updating my score when they have to

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Seterus, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus is not applying my mortgage payment to my account correctly and is trying to apply late charges to my account. I have called several times to try and correct the issue and they will not correct the issue. They will also not remove the PMI on my account even though I have federal requirement for having the PMI removed met

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed this previously reinsert deleted bankruptcy with you all. Equifax responded back to you all stated that this bankruptcy had been removed. Case number XXXX is still appearing on my file. Also, their are case numbers XXXX in which it been over seven years and should be deleted. Case numbers XXXX in which does not belongs to me as well as case number XXXX. All these previous deleted bankruptcies was removed 2 years ago do to fraud and now they have been reinsert on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX accouint # XXXX I did not sign up for XXXX in XX/XX/2008. This is inaccurate and most likely fraudulent activity. I did not have an account with them then. I do not owe XXXX anything neither do I owe this collection agency anything.

Company response to consumer: Closed with explanation