BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-24
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid off my credit card in XXXX of this year, at which time my balance online was {$0.00}. I then received a new card in the mail a few months later. When I activated the card, I was told I had an overdue balance. Apparently, when I paid the card off, the billing cycle had not closed and {$16.00} of interest hit the account. I was never notified that the balance was overdue. When I called to complain and resolve this issue, I was told all customers who are overdue receive courtesy calls. When I asked the agent to give me the date and time of said call, he said placed me on hold to look it up and found a call was never placed. I have had numerous agents tell me I have a " good case '' in getting the delinquencies removed, yet it was denied at least 3 times. The interest amount that caused me to be reported as delinquent to all XXXX credit bureaus has since been refunded to me, yet the bank will not correct my payment history to remove the one late payment this interest caused. I have been told I was notified by email, but I do not have said emails from XXXX XXXX XXXX. I told the agent it may be due to the recent XXXX government hack, as I just received a letter confirming that all of my information was stolen in early summer. Soon after trying to fight the discrepancy, I received a letter from XXXX XXXX XXXX that they had dropped my credit line from {$3500.00} to {$500.00}, further damaging my credit as now it looks like my credit usage is much worse due to the lower limit. The letter cited " recent delinquencies '' and " insufficient credit history '' as the reason they dropped the limit on my card. I have been a customer with them on this line of credit for almost 10 years and I have NEVER been late before. My credit limit has been {$3500.00} for almost 5-8 years now, based on much weaker credit and income that I held 5-8 years ago. I feel that they are trying to irritate me into closing my account because it has a very low grandfathered interest rate from when it was opened. My credit score has dropped significantly since all of this and I have lost countless hours on hold with XXXX XXXX XXXX trying to get the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
There is an account that is reporting on my credit report. The account is XXXX XXXX. I have disputed this account several times because this account is not mine. I have called XXXX XXXX and requested in writing a copy of my original account and did not receive it. I spoke with XXXX Account Manager, XXXX XXXX and he admitted on a recorded call ( the call took place between XXXX on XXXX XXXX, XX/XX/2015 ) that they did not have any paperwork regarding my original account and they could not provide it to me. 
If I was able to find out this information by a phone call, the credit bureaus should have been able to retrieve this information and take the appropriate steps to remove this account ( which shows a duplicate ) from my credit report. They did not and did not thoroughly investigate, when they held themselves that they did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX is reporting the same account as XXXX. I have given Transunion ample time and documentation to prove the account is being reported in duplication. I need the accounts deleted immediately.

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 2020-08-18
Company: EQUIFAX, INC.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXXXXXX {$680.00} XXXX  XXXX  XXXX {$420.00} XXXX/XXXX  XXXX {$800.00} XXXX XXXX  XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: EQUIFAX, INC.
State: AK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In XXXX I had a Tax bill and the IRS put a lien on my account in XXXX. In XXXX I worked with the IRS to withdrawl the Lien from my report and records which they did. XXXX and XXXX removed the Judgement right away but now after 2 or 3 disputes with Equifax they refuse to remove it regardless if I show the paperwork from IRS and Recorders office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXX XXXXXXXX Balance : {$440.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX can get away with identity theft to alter documents and sell that loan with the altered documents

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account Number Num : Balance {$1400.00} Sir or Madam, I am writing in regards account XXXX Revenue XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section XXXX ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: Seterus, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
From a letter to you on XXXX XXXX, 2015, stating that I was waiting on a loan modification and was three months behind on my mortgage. The XXXX XXXX XXXX will pay these payments. I faxed paper work to Seterus, Inc., on XXXX XXXX, 2015. They gave me an email confirmation but it has been 25 days and this paper work has not been returned to me. Once I brought CFPB in to make an inquiry I felt this company would try to mess me around. The last time I talked with Seterus on the phone they wanted me to comment on a bank statement I sent to them some time ago. They asked for a bank statement and XXXX Awards letter. They did not state that I should comment on any of the documents sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
From XXXX XXXX, 2016, through XXXX/XXXX/2016 I have contacted Equifax 4 times, by certified mail. Each time I have reported information concerning XXXX credit accounts that were fraudulently obtained, using my personal information. While XXXX, XXXX and XXXX immediately corrected the false data, Equifax has now failed for 60 days to comply with my requests. It appears to have initiated no investigation. It appears to fail to acknowledge information submitted to it by the defrauded credit grantors. ( XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Bank, XXXX, and XXXX Bank. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: CORELOGIC INC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Almost a week ago I started shopping for house. I did some reasearch online and found a house. Quicken loan was the only company that had my SSN and they pulled out my credit. I was done and I said I no longer want to move forward. After two days I saw another inquiry from Credstar/Credco on mu credit account I did not filled any application with them. I think they sold my identity, or something because I have no idea where the credstar/credco came from

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
EQUIFAX continues to re-insert an account with XXXX they have previously deleted. I NEVER paid this account late nor was it ever a repossession from ME as EQUIFAX erroneously reports in my most recent file with them. Any and all issues with this account belong to my former spouse and date back to 2007.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I FILED A SERIOUS COMPLAINT AGAINST XXXX FOR SELLING DEFECTIVE COMFORTER TWICE TO ME AND REFUSING TO EXCEPT IT ON RETURN. I WANT TO KNOW IF ANYTHING IS BEING DONE? AS THEY PUT A LIE ON MY CREDIT REPORT OF {$140.00}. I OWE THEM THIS IS A RIGHT OUT BLAT EN LIE, I DO NOT OWE THEM FOR SELLING ME A DEFECTIVE COMFORTER

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EQUIFAX HAD AGREED TO SHOW A CLOSED ACCOUNT I HAD WITH XXXX XXXX XXXX XXXX XXXX AS CLOSED WITH A XXXX BALANCE AFTER INVESTIGATING MY FORMER COMPLAINT ON XX/XX/XXXX THROUGH EQUIFAX THEMSELVES AND CFPB. THIS ACCOUNT HAS REPOPULATED AND IS SHOWING A BALANCE OF XXXX DOLLARS. IT WILL BE SEVEN YEARS SINCE THIS ACCOUNT HAS BEEN PUBLICIZED ON XX/XX/XXXX. I REQUEST THAT THIS ACCOUNT SHOW A XXXX BALANCE UNTIL THEN AND REMOVED FROM MY CREDIT REPORT WHEN DEEMED APPROPRIATE - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Dear Consumer Relations : The reason for me filing this complaint is due to Equifax failing to update my credit report after sending them a copy of my social security card, Louisiana indentification card and XXXX credit report to open a dispute. In my dispute filed XXXX XXXX, 2016, I requeted information to be added that is missing. It 's been 15 days and I not received any confirmation from them of my inatial complaint and that an investigation has started. I am requesting that your agency nvestigate the issues within my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX bank is report a balance of {$500.00} on my equifax credit report. XXXX XXXX issued me a refund a few years earlier as the result of excessive nsf fees. The refund was minus the amount owed to them ; however, XXXX is still updating equifax stating I still owe {$500.00}. I have also disputed this with Equifax for them to investigate ; however, it always come back verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: ALLY FINANCIAL INC.
State: NC
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Divulge information to someone I do not even know about my debt. This person is not listed on any of my references. Ally Financial used a 3rd party search engine on my fiancee and called numbers associated with her last name until they tried to track down someone that new her and told this individual that they did n't want her but me for a debt I owed them. She is not a applicant on the loan so why are they harassing people who I do n't know and do n't have permission to share information about me with.

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 2015-04-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I had written XXXX to Equifax on XXXX XXXX via certified mail XXXX XXXX and XXXX XXXX concerning XXXX account by debt collectors XXXX XXXX XXXX account XXXX and XXXX Account XXXX. 

I had seek validation from XXXX through certified mail but did not received it. Tracking numbers are:XX/XX/2015 XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAlso XXXX XX/XX/2015 - XXXX XXXX XXXX XXXX XXXX XXXXI did not get any response from either that this debt is valid. I escalated this to Equifax, sending them copies of the letters I mailed to the collector as well as proof of delivery, and they responded with an automated response " We verified that this item belongs to you '' but did not validate the item or showed proofs that this debt is valid. It has passed more than 30 days since I requested validation and have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had come to find out that i have a collection on my credit report that has been fully paid. The collection was by XXXX XXXX and should have never existed in the first place. The doctor who submitted the collection did so in error do to a malfunction in his accounting process. I have a signed statement from him attesting to this fact. I have disputed this with XXXX and they promised to remove the collection but did not. I then have disputed this with Equifax several times and and they will not remove the collection. This collection has been reduced to zero but i have never paid the collection agency a dime!! 
Furthermore, every time i open up this dispute, Equifax updates the balance to zero and the collection to the latest month decreasing my credit score even more. Finally, XXXX have already agreed this was erroneous and have totally deleted the collection from my record. At this point i feel harassed by Equifax since they will not investigate properly or provide any transparency as to how they arrive at their decision or who they have called to verify information. I have also called them several times to discuss with to no avail. This agency is by far XXXX of the worst organizations I have had the displeasure to work with. My credit score went from a XXXX to a XXXX, this is ridiculous and should not be tolerated. I will attach the signed letter from the Doctor as evidence. I have also uploaded proof of deletion by XXXX. 

Also i have opened up yet another dispute and included the number in the above dispute number field provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: CORELOGIC INC
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Credco has placed a hard inquiry on my XXXX report prompted by XXXX XXXX, I did not authorize this and have contacted XXXX XXXX and Credco to have it removed.

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 2015-08-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is not my account. I never had a XXXX XXXX XXXX credit card to date. I especially have never had any credit card with a limit of {$17.00}, XXXX. This must be a case of mistaken identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
1st I submitted a dispute as " not mine '' the information came back as verified. After reading information on the internet ( dangerous, I know ) I came across the FCRA 605 ID theft request for block. Armed with knowledge I promptly went to the local police department and fill out a report in relation to Id theft ; I then filed an FTC affidavit. after all that work I was ready to tackle XXXX once more. I bundled all the information and sent it off! 4 days later received this ... Results Of Your Investigation ( For your security, the last XXXX digits of your credit account number ( s ) have been replaced by * ) XXXX We have reviewed the current address. The results are : The current address has been added/updated per the information you have supplied. XXXX We have reviewed your concerns and our conclusions are : Please be advised that Equifax , at this time, will not block the information subject to the submitted identity Theft and/or police report you provided as part of your dispute. We are contacting each creditor directly to verify The account/s on your behalf. We will also forward a copy of documents you have provided to each creditor for their Review.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX has incorrectly reported information to the credit bureau. I opened up a case with the CFPB between me and XXXX XXXX XXXX. XXXX XXXX XXXX sent me written notification through the CFPB that they do not have any record of this account. I forwarded them the requested information and they still were not able to locate any account. I have attached a copy of the written correspondence from XXXX XXXX XXXX concerning not being able to locate this account. This account is not mine. The case number between the CFPB and me in regards to the XXXX XXXX XXXX account is : XXXX. I give the CFPB permission to share any details about this case with Equifax. I have attached screen shots of the CFPB portal showing XXXX XXXX XXXX 's response in which they claim they can not find any account matching my information. They cite a 3rd parties name claiming they looked under that name as well and could not find any account. XXXX XXXX XXXX has been provided with my photo ID, credit report, social security number and DOB and was unable to verify an account. When I have previously disputed this account through the traditional method of directly to the credit bureau via USPS I received notification from the credit bureau that they validated the debt - however when I reached out to the creditor I was met with the attached response. This debt is not mine and I have proven that multiple times. Now I have proof that XXXX XXXX XXXX can not validate this debt.

Company response to consumer: Closed with explanation