BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-07
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I rented an apartment and kept getting sick along with my daughter, and my granddaughter. I asked the management about mold and they swore up and down it was n't any mold and they stated no, the doctor told me I had to get it removed or I had to move. I had to send a sample to the lab and it came back XXXX kinds of mold including XXXX, I told management and they denied it up and down even though I almost died. I moved and had to secure another place to live. I shared this information with the Management and they said I had to pay them {$3400.00} I did not owe them anything I as well as my family almost died and they forwarded all of my personal non-public information to CARTER YOUNG, INC. and they are reporting on all XXXX of my Credit reports this is IDENTITY THEFT and I did not give them permission to contact me pursuant to 15USC1692c and they feel as if I owe them when they owe me for almost killing me moving my family into a mold infested place to live. 

This is definitely 16CFR603.2 and these CORPORATIONS are going to have to stop this bad behavior, if more CONSUMERS say something this non-sense will stop. I do not feel as if I have to die to stay in somewhere there is mold and I have the proof they moved me into a bad moldy situation and should talk with people about moving into that bad place but I have been cool and calm. This is just bad business, no matter who is doing this I am a woman and do not have to be subjected to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This public record does not belong on my credit file. I have already had the public record from XXXX XXXX XXXX XXXX reviewed and it has been removed from XXXX and XXXX credit reports. Equifax is the only agency who will not remove the file. I have called them several times and no one is willing to speak with me about it. Please review this public record just as the other credit bureaus have and you will see it does not belong on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This account does not belong to me. I reside in XXXX and it stating this account was for gas services in XXXX XXXX XXXX. I disputed this with XXXX and Equifax and it was only updated and I was not provided with any information on how this debt was validated. I want this investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection agency continues to increase the amount owed by large amounts. It took me a while to figure out why they never put the balance on their statements. In just the past couple of months ( see-attached ) they increased the balance {$530.00}. The balance was {$6500.00}. I called to get the balance mailed to me. I was told on the phone it was {$6900.00} and when the statement comes in the mail it 's now {$7100.00}. They have done this to me previously. Just because I ca n't afford an attorney does n't mean that they can continually steal from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: U.S. BANCORP
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I participated in an account opening bonus program for XXXX dollars when I opened an account and make a direct deposit. But there's no bonus applied on my account.

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 2016-07-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This dispute was finalized and the creditor of the account has instructed Equifax to delete this entry from my account. It was opened fraudulently and is a causing a negative affect on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX erroneously reported a debt to XXXX XXXX XXXX that I paid immediately in full on XXXX XXXX, 2012 when service was cancelled. I called XXXX numerous times, but kept getting referred to an automated number. XXXX also refuses to remove this inaccuracy with proof of original receipt. ;

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Every year, since XXXX I have reported Equifax to XXXX for failure to provide consumers with their free credit report. I go online to get my free annual credit report from the XXXX agencies. For the past 4 years, Equifax is the only one that has refused to provide me with my free online copy of my credit report claiming, Online Delivery Is Unavailable and I need to submit a mail in request. They then forward the consumer to a link, where you have to pay {$4.00} for a limited version of your free credit report. Every year Equifax is committing fraud by putting questions in their system that does not apply to my credit history. All of the questions I am asked to verify my identity, Equifax is deliberately asking me questions that are not in my credit history. I did a print screen of the questions : telling me I have an auto loan, how much is they monthly payment and an installment account opened in XXXX. Problem is, I have not owned a car since XXXX and have not opened an installment account/personal loan since XXXX. While other questions pertain to a state that I never lived in. After contacting them, they sent me a link that does not work to make it seem like they are trying to help. Clearly, Equifax has a significant amount of erroneous information on my credit report, because my credit score with them is below XXXX, while my score with the other XXXX agencies are the high XXXX 's. When I disputed incorrect information on my Equifax report in XXXX, not only did they not want to investigate the errors and make the corrections, the following year XXXX to XXXX, I have been blocked by Equifax from receiving my free annual credit report from their agency. I was sent several emails with the same link that did not connect me to Equifax or XXXX to get a copy of my free credit report. I have filed a complaint with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I applied for a car Loan on XX/XX/XXXX and my credit file was blocked, was not provided to the dealership, however other credit reports where provided by others. You provided information that my file had insufficient information. I filed a dispute. You stated " Equifax has reviewed your complaint and its records regarding your dispute. You had a security freeze place on your credit file XX/XX/XXXX and you requested it to be deactivated on XX/XX/XXXX. If the dealership tried to accessed your file it was blocked at that time. A copy of your Equifax credit file has been mailed to the address listed on your file ; please allow 7-10 days for delivery. Please visit us at www.Equifax.com/personal to learn more. " However you are ignoring the fact that you said the freeze was removed, but it was in place on XX/XX/XXXX. Why did you refuse to provide my credit report? There was no freeze per your own account above. I have full copies of your response to the inquires. They do not say a freeze they say insufficient information, Since you will not respond here and are still blocking my report, I assume, but will pay someone today. I guess the next step is a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: CORELOGIC INC
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
An apartment complex that I was applying to uses CoreLogic to check the credit history of potential lessees. When I applied to the building, I was told that my application had been rejected due to an issue with my credit history. I immediately contacted CoreLogic to see what the exact issue was, and was told it had to do with a debt owed to a debt collector called XXXX XXXX. When I contacted XXXX XXXX myself, they told me that they had no record of such a debt, and that they had not provided information about a debt to any credit reporting agency. I obtained a letter from XXXX XXXX stating as such, and provided that letter to CoreLogic. CoreLogic has since deleted the false information from my record, however they will not tell me where they got the false information from in the first place, other than to tell me they got it from XXXX XXXX XXXX, a company whose " Contact Us '' page on its website links directly back to CoreLogic. I want to ensure that this false information does not exist in the records of any other company, however I can not do so if I do not know which other company to contact. I am also concerned with CoreLogic 's failure to reasonably ensure that the information it receives and disseminates is correct. While I understand that mistakes are made, it concerns me that CoreLogic had information supposedly from XXXX XXXX that XXXX XXXX knew absolutely nothing about. There should be some responsibility on CoreLogic to ensure that it is getting information from a reliable source before potentially damaging a consumer 's credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Seterus, Inc.
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus refuses to send me my loan payoff in a timely fasion, I ordered it on the XXXX, and over 7 days later I do n't have it, they are telling me another 24-48 hours. they wo n't connect me to anyone that can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax and XXXX are reporting an installment account with XXXX XXXX as a Joint contractual liability, I do not know what this account is nor did I ever sign any documentation with this company. I have disputed it several times and as you can see the credit reporting agencies just writes in the comments " customer disputes but resolved '' this issue was never resolved? I received no validation documentation of what this is nor where my signature is nor that this account belongs to me, as it does not. If no proper support has been provided to the Credit Agency this accounts needs deleted from my account. Please see account comments listed on XXXX Equifax and XXXX as a result of my disputes. Again, I received no validation documentation and have no clue how either company validated this debt as I have never heard of this company nor had any joint contractual liability in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My cell phone contract ended XXXX of 2012 (? it may be XXXX ). I paid the final bill in XXXX. Approximately one year later I received a collection notice that I owed the cell phone company {$330.00}. I do not owe them anything. After XXXX phone calls over the past couple of years ( yes, years ) the cell phone representative discovered that a new 2 yr contract had been started in the month of XXXX or XXXX. This is completely wrong. My daughter had lost her phone, I had another phone I purchased off of XXXX, I have the receipt for this other phone. I called the cell phone company ( XXXX maybe ) to move her phone number over to this new phone I had purchased on XXXX. When the number was transferred it created a new 2 yr agreement as if I had purchased the phone from THEM, but I did not, so this XXXX 2 yr contract should never have been started, but I was completely unaware of it. I have contacted the collection agency that sent bills to me. I explained what happened and they said it was n't their job to fix it. The collection agency somehow transferred me to the cell phone company. As I was explaining it, she put me on hold and we were disconnected. I called the collection agency back the next day. Out of frustration I explained, again, about the 2 yr contract that should not have been made and I just wanted to get this done with, it had been XXXX years. Even though it was a mistake by the cell phone company I was tired of dealing with it and offered to pay a portion of the bill if that would end it. The collection agency representative agreed. I asked to have the derogatory marks removed from my credit report ( XXXX pages from this XXXX collection ). This was also agreed upon. I told her I will be making a reference to our agreement on my check because she could n't offer me anything to secure our agreement. I sent a check with a notation written on it about our agreement ( I have a copy ). So, the account was taken care of. I contacted the credit reporting agency recently and the derogatory marks were NOT removed as agreed upon. I filed a claim with the reporting agency. They told me, after the investigation, that it is all perfectly fine and will not be removed! Now, I noticed there 's also a notation at the beginning of the XXXX pages, from this XXXX collection agency, that states " only half of the account was paid ''! That was our agreement! I was n't even responsible for this wrong bill but I was soooo tired of it I paid XXXX, and it did n't even fix anything! This is so completely wrong and frustrating! I have ALL the receipts and the check with our agreement on it, cashed by them. It feels like the cell phone company is just being vindictive and trying to harm my public profile, when they were wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have filed several disputes with Equifax about removing a chapter XXXX that was dismissed and has been on credit report for 9 years. I have read and done research and understand that it should have been removed at 7 years. It even says on Equifax website that it should be removed. I finally called and was told by XXXX they will not remove it before10 years. He also said I must prove it was a chapter XXXX not a XXXX and I let him know that the letter they sent me states that it is a XXXX not a XXXX. He then told me since it was dismissed it will be treated like a XXXX. I did advise them I will be filing a complaint and XXXX told me to go ahead and file a complaint. That despite everything I have read their policy is not to remove it before 10 years because a dismissed XXXX is just like a chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
You are showing my account with XXXX in collections this is not the case the house has been sold. 

See sale docs and the letter from XXXX that satisfied the loan in it 's entirely. PER YOUR LETTER!!! 

I am failing a complaint with the CFBP because I have asked that this be corrected more than ten times and I have been ignored. 

The loan should be displayed as paid as agreed per contract and the release send to me per your letter!!!!!!! 
Equifax has not deleted my bankruptcy per the court Oder per the settlement for the state of VA and Equifax. They have ignored my letters. 
Update XXXX as paid as agreed and Delete the Bankruptcy per court order

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Equifax received court documents that a judgement they reported on my credit was not mine yet, they have not removed it. They did verify that they received this information from a 3rd party not the court and it would be removed. This was over 60 days ago. They are reporting a collection from XXXX. They DID NOT VALIDATE the debt!!! but sent a little 2 digit code to verify and received a 2 digit code back. This collection belongs to a business not me and that was verified by the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I sent a written demand to add a consumer statement per the erroneous XXXX account appearing as a collection on my report. I also called to verify receipt of my written correspondence on XXXX XXXX, 2015, at which time they advised they would add my consumer statement via dictation over the phone that day. I was given XXXX as a confirmation for that request. When calling on XXXX XXXX, 2015 to inquire why I had n't received a copy of my updated credit report reflecting the addition of my consumer statement, Equifax advised that the request was never properly processed. The rep claimed that she spoke to the Specialty Department who would add my consumer statement within XXXX hours, but that her system failed when trying to give me a confirmation number. Said XXXX XXXX who is the ONLY XXXX in Consumer Relations, who claims to have no direct line for contact nor any ID # claims that he can not 'guarantee ' to process my request and follow up with me to confirm that the consumer statement has been added. 
Also, I have made well over XXXX demands to remove the fraud alert, albeit temporary or extended, from my credit report. Equifax has repeatedly claimed that the fraud alert was removed. See attached credit report dated XXXX XXXX, 2015 which displays an 'Extended Fraud Alert ' and conspicuously so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-25
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I obtained my free credit report through Equifax and was able to download it. I decided that I also wanted to purchase my credit score after I had logged off. I followed the instructions on the Equifax website to call the automated telephone system. I followed the prompts and entered my credit card information. The automated system stated that it needed to transfer me and then disconnected before confirming my purchase. I called Customer Service at Equifax and spoke with three representatives. The first did not understand XXXX ; the second verified that my purchase had been made but could not verify if the information would be mailed to me ; and the third was neither able to verify that the purchase was made or that anything would be mailed to me. I am very frustrated that the Federal Trade Commission would use this company as XXXX of the XXXX reporting agencies when the company can not provide me accurate information about whether or not my credit card was charged. It also needs to be made explicitly clear on the XXXX website that if the credit score is not purchased at the time the report is ordered, it will be very difficult to purchase the score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Several disputes have been sent in regarding my current mortgage history with none of them resolving the issue. There were no late payments in XX/XX/XXXX or XX/XX/XXXX and the agencies still continue to list inaccurate information. I need some assistance I have attached the page of my report reflecting such inaccurate data. After the loan re modification never was a late payment made

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On yesterday my account started off in the negative, I deposited money via atm and an instant payment deposit to cover the balance. Regions posted and unposted several items in attempt to charge me an NSF fee. Upon reviewing my account I was charged and NSF fee when I had a positive balance on the account.

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 2020-12-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Available data shows the last payment on this account was made on XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.

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 2015-10-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed a modification with XXXX bank and I was under the agreement and paying, The mortgage company reported on my credit report that foreclosure proceedings had started which was in correct. I sold my home XXXX XXXX during a normal sale and closing procedure and XXXX took 3 months to send release of Lien and also is still reporting that I was in foreclosure which is keeping me from purchasing a new home, the law states that you have to wait 3 years if a foreclosure took place in order to obtain another FHA loan, I need this updated and also the correct information reported, My modification took 18 months to complete and never was properly handled.

Company response to consumer: Closed with explanation