BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-16
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have disputed the account ( Account number XXXX ) online through Equifax information systems. Equifax came back and said that it was " verified '' by the collection agency, however they could not provide me with the information on HOW it was verified or a contract that I signed with their agency ( XXXX XXXX XXXX.. This account does not belong to me. I started checking my credit in XX/XX/XXXX When I researched my credit history I had absolutely NOTHING on my record aside from names and addresses as of XX/XX/XXXX. I applied for a credit card and was approved. Meanwhile, I check my score a month later only to find out that a company by the name of XXXX. has reported a debt that is 7 years old on my Equifax credit report. The account " says '' XXXX date : XX/XX/XXXX. However, the last reporting date was XX/XX/XXXX. This is unfair credit reporting. I have/had no knowledge of the account and feel as I have been unfairly targeted. There was no collections on my credit in XX/XX/XXXX and now there is XXXX on there 7 years old. This practice is not right and it is compromising the integrity of my reputation, and the ability for me create opportunities for my family. Please look into my situation. This company has not followed proper protocol when it comes to debt collection and had not provided me with any written or verbal communication stating they would be placing said debt on my credit report ; which is a direct violation. I should have been notified in writing five days before the account is placed on any of my reports. Therefore, the account is invalid, unverified, and illegitimate and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
EQUIFAX OFFICE OF CONSUMER AFFAIRS HAS CONTINUED TO REINSERT INFORMATION THAT WAS PREVIOUSLY DELETED STATING THAT THEY VERIFIED THE INFORMATION WITH THE VIRGINIA XXXX COURTHOUSE ON PUBLIC INFORMATION THAT IS REPORTING WHEN THE CFPB DID INVESTIGATION ON THESE ITEMS WHERE EQUIFAX RESPONDED THAT THE ITEMS WERE NOT REPORTING. AND THAT THEY HAD REMOVED THEM FROM THE CREDIT FILE AS A RESULT OF THE INVESTIGATION. I ALSO CHECKED WITH THE VIRGINIA XXXX XXXX HOUSE AND THE XXXX VA COURTHOUSE WHERE THESE SAID JUDGEMENTS WERE BEING HELD. THE CLERK OF COURT RESPONDED TO ME BY RELAYING THE FOLLOWING THAT THE VIRGINIA XXXX AND XXXX COURTHOUSES DO NOT GIVE CREDIT REPORTING AGENCIES THE PERMISSION TO REPORT THE CONSUMER CREDIT FILE AND THAT THEY CAN NOT PUT JUDGEMENTS ON MY CREDIT REPORT, AS THAT THE COURT DOCKETS DO NOT DISPLAY A SOCIAL SECURITY NUMBER TO ATTACH THEM TO. EQUIFAX HIRED AN OUTSIDE VENDOR TO GIVE THEM THE INFORMATION WHICH I DID N'T EXPRESSLY OR IN WRITING GIVE EQUIFAX PERMISSION TO GIVE ANY OF MY PERSONAL INFORMATION TO A VENDOR SUB CONTRACTED BY THEIR COMPANY. FURTHERMORE ALSO SHOWS THAT EQUIFAX CONTINUES TO PUBLISH NON FACTUAL INFORMATION ON MY CREDIT FILE WITHOUT PERMISSION AND CONTINUES TO RE INSERT INFORMATION TO MY FILE AFTER THE INFORMATION HAS BEEN REMOVED ALSO THIS HAD CAUSED ADDRESSES AND INFORMATION THAT WAS FRAUDULENT TO RE APPEAR BACK ON MY CONSUMER CREDIT REPORT CAUSING THE INFORMATION TO RE-AGE WHICH ARE CLEAR VIOLATIONS UNDER THE FCRA SECTIONS623-624 AND SHOWS THAT EQUIFAX WILL NOT COMPLY WITH FEDERAL STATUES. AND CONTINUES TO HANDLE MY CREDIT REPORT NEGLECTFULLY. PLEASE REVIEW PASS CFPB DISPUTES TO SEE THE RESPONSE OF THE INFORMATION AND RESOLUTION DECIDED ON THESE ITEMS CASE ID XXXX CASE ID XXXX CASE ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I keep having issues when trying to apply for things because they say my name and address dont match, or my name and social security number dont match. I tried online to fix this with Equifax and they dont allow me access and I cant get someone on the phone. They asked me to fax documents to a number which I did and still nothing has been updated. 
This is causing me alot of problems getting credit because people think that Im a fraud and Im trying to get a home equity loan now. I really need this fixed. I moved and bought a home in XXXX. I changed my address with the XXXX and the postal service so I dont know what the issue is?

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

Complaint:
Equifax continues to report an inaccurate account status on a closed XXXX XXXX revolving account ( XXXX ). As of XXXX/XXXX/XXXX this debt was cancelled by XXXX and reported to the IRS as income. The account status that Equifax is reporting does not reflect that the account is closed and paid in full without a remaining balance. I have been disputing this inaccurate information since XXXX/XXXX/XXXX and Equifax has failed to update with the correct information or delete the account since it 's closed and outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Replacement information for case number XXXX On XXXX/XXXX/2016 I requested validation of a bankruptcy on my credit report reference numbers XXXX Bankruptcy Chapter XXXX, XXXX Bankruptcy Chapter XXXX, and XXXX Bankruptcy Chapter XXXX, providing me with any viable evidence bearing my signature submitted by United States Bankruptcy Court to validate this bankruptcy. Equifax failed to provide me with validation and only provided me with a letter stating that it was verified. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt or public record. 

I placed a security freeze on my personal public information with XXXX on XXXX/XXXX/2016 and XXXX verified that the freeze was placed on the on XXXX. The representative XXXX stated that no one has requested my information and it is not showing in their system that anyone has requested my information. However according to the results of the disputes that I placed with Equifax they are listed on the report as verified. I contacted Equifax and Equifax claims that XXXX sent them paperwork to verify that the public records are mine. The Equifax representation stated that it was verified on XXXX/XXXX/2016. This is a great concern to me because my rights have now been violated by Equifax or even XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: LA
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:
sent a dispute letter out on XX/XX/2022, and XX/XX/2022 to the three bureaus XXXX experian, and XXXX and still no response after 60 days. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX. Validate Verify XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX. Validate Account XXXX XXXX XXXX XXXX XXXXXXXX Account Number : Please remove it from my credit report. 

XXXXValidate Account XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : Please remove it from my credit report.

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 non-monetary relief
Consumer complaint received 2016-05-04
Company: Seterus, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX I sent a letter requesting information about a loan payment increase due to an escrow shortage. But, I my pmts were misapplied as mortgage pmts and I dont have a shortage. I also asked about my pmt history report. The company said the have 60 business days to respond, but have not and I have applied for a HARP loan that can not move forward until I get these issues resolved. They keep telling me they escalated the issue, then at end of the 12 weeks, I get a letter stating they need more time. But, 60 business days equals 90 calendar days and I still have to pay the aditional fee for the shortage, can not get my HARP refinance, and cannit get anyone to explain why it is taking so long to send the information requested and fix an escrow pmt error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I made several attempts writing letters to Equifax to remove unauthorized from my credit report and they have continued to state that inquiries are matter of fact without even making any attempts to investigate these disputes. Therefore they continue to report these inquiries in my credit report. This is ruining my life and not to refinance my house and get any credit because of these hard inquiries. Equifax even have my address wrong on my credit report which is a reflection of a deliberate attempt to ruin my life. They have my address as XXXX XXXX XXXX XXXX Ca XXXX. My correct address is XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. This is probably where the problem is coming from.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have never had a company so intent on making things difficult for me like SunTrust. I lost my job almost two months ago so I went online looking for employment I found what I thought was a great work-from-home opportunity on Thumbtack doing the same thing that I 've been doing went through an interview process received an offer letter just like any other job I 've applied for after a couple of weeks I receive my first paycheck after a month of no income I was extremely happy so I went to deposit check inside the SunTrust XXXX. 30 seconds after depositing the check inside the branch I get a call from the branch manager letting you know that she thinks the check is fake and she would recommend that I not deposited this is my first time ever hearing about it so I asked her why she thought it was fake she explained to me some of the inconsistencies in the check so I agreed not to deposit the check and she would return it to me so I can get in contact with the company. The following day I want to deposit {$100.00} in cash and found out that my account was being frozen again because of the check that THEY DID NOT deposit. It is now going on the second week with no resolution. I am the victim I am the person and being defrauded by this company yet SunTrust is making me feel like the villain with all of the issues I 'm having with SunTrust it 's hard for me to believe that the bank can act like such I 've attached a copy of the check and the offer letter that I received from the company and can provide any other documents that XXXX sent me

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 2016-12-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I had a bankruptcy over 7 years ago. All other reporting agencies have removed it from my report. Equifax continues to carry it. There response was that it stays on for 10 years. Nowhere have I read that a personal bankruptcy stays on for 10 years. Why are they the only ones that continue to want to ruin my life. I 've paid for my mistakes and am trying to move forward but they refuse to let my past go. 7 years is n't enough ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am in the process of refinancing with another mortgage company. All my paper work is complete but they need XXXX documents from Seterus. The request was made XXXX XXXX. To date XXXX XXXX we still have not gotten the documents despite calls from lawyers etc. they are preventing me from closing. How can I get assistance? XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had a XXXX XXXX XXXX credit card Acct # XXXX which was in the name of a Corporation and used only for such Corporation. I did not have a personal guaranty on this account. XXXX XXXX took me to NYS supreme court and sued me personally. The Court ruled in my favor dismissing the complaint and stating that there was no personal guarantee and that it was a business credit card and I was not liable for such account. I sent the documentation to XXXX XXXX who then deleted the account from my record in 2 days. I sent a copy to Equifax XX/XX/XXXX and they acknowledged the dispute and said it would take up to 30 days to resolve. After not hearing back and finding it impossible to reach them on the phone I sent another Dispute on XX/XX/XXXX to which they responded in 1 day and there results were that they verified the account was mine and I was individually liable for this account. Thus defying a Court ruling. I would like this account removed from my credit report. Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This item shown on my personal credit report by your office XXXX County Public Records, Docket # XXXX, XXXX XXXX, XXXX, AL XXXX ( XXXX ) XXXX, is inaccurate. Because based on Alabama Tax Code and the decision by Alabama Department of Revenue, I was not an Alabama resident XX/XX/XXXX, and I shall not be liable for any Alabama State Personal Income Tax. 

The tax lien order was formally rescinded by the State of Alabama Department of Revenue on XXXX/XXXX/XXXX with the issuance of Taxpayer Assistance Order. Although the status of lien later changed to release of tax lien on XXXX/XXXX/XXXX, however it should be changed to deleted or formerly erroneously reported lien and now cancelled, according to all three national credit bureaus, this incorrectly reported tax lien record shown as released will stay on my personal credit report for at least 7 years. Due to this tax lien record, my credit score was at XXXX before but currently dived to XXXX level. 

I have contacted the credit bureau and corresponding parties many times, requested for removal of this tax lien before, however, this incorrect Tax lien item still has not been removed, this time I am writing this matter to CFPB and hoping you can help to take a further look into this matter and correct the incorrectly reported record. 

The credit bureau office reported the Tax lien was released was incorrect, the Department of Revenue clearly stated in its " Taxpayer Assistance Order TAO # XXXX '' Dated XXXX/XXXX/XXXX ( COPY attached ) and also its " Alabama Income Tax Final Assessment and Lien for XX/XX/XXXX '' Dated XXXX/XXXX/XXXX ( See attached ), " the XXXX income tax assessment filed against you was incorrect ... ... ..that you were not an Alabama resident for the XXXX tax year, consequently, a TAO, rescinded the XX/XX/XXXX income tax final assessment entered XXXX XXXX, XXXX ... .... '' The final assessment further stated " Please do not interpret that the Department released the lien due to payment. The Department 's Taxpayer Assistance Order rescinded the original final assessment for the XXXX tax period and your credit record should be corrected to reflect that fact. " Based on all above, I am requesting that the released Tax Lien shall be removed to in order to show the general public correct information on my personal credit report. Enclosed are copies of " Alabama Income Tax Final Assessment and Lien for year XXXX CSD Case # XXXX '' and " Taxpayer Assistance Order '' supporting my position. Please help to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX/XXXX/16 CFPB CC EQUIFAX Dear CFPB I want to thank you for allowing me to argue my case on behalf of Equifax I have submitting documents after documents on supporting my point about Equifax in violation pof the FCRA 609 ACT that congress put into law to protect consumer 's I have sent in document 's, Certified letter recipt costing well Over {$100.00} or more and they have still not yet demand my request. They are well Over there 30 days of investigation time that the federal government allow them to investigate such a complaint. As you know we have recieved on your site from they did n't know what i was disputing from they have verify the account with the orginial creditor.. I had forward supporting documents on the XXXX that they are reporting the wrong account number That is none of mine. so there Investigation is a straight up Lie.. I asked Once again to have have the closed XXXX account removed from my credit file and also the barclaycard card beremoved ( not my account ) and the closed onemain account be removed as well. Since XXXX XXXX i have been asking for documents from Equifax since XXXX XXXX 2016 and nothing yet So cfpb I ask you to take this case Over and take all the Legal power that you have to fine this company to your fullest. The reporting agencies number 1 is not for the consumer 's as we all Know but their is a federal law in place that they have to follow that law and do it promptly I can not break the laws and bilaw and you can not either so why should equifax think that they do not have to follow the federal so I thank you so much for allow me to use your site to argue and fight for my rights ... ( So i asked you to take charge and do what you have to do to the fullest!! 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo is not a servicer on any loan related to us or our property and refuses to provide any information on why they are authorized to use our personal identifying information, credit information and financial information. We have no agreement with Wells Fargo. Wells Fargo has no agreement with any other party regarding any obligation or our real property. 
See our full complaint in the attached PDF.

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

Complaint:
My credit reports from Transunion XXXX XXXX contain a report for a collection for an electric bill that is not mine. The amount is approximately XXXX dollars. I have disputed the address where the company says i supposedly live and obtained this electric bill. The address i believe has been removed but the negative collection has not been which is associated with this address. This light bill is not nor has it ever been mine. I contacted the company directly and the name on the account is misspelled and I never signed or authorized any account in my name with XXXX XXXX XXXX. I 'd like to get this account removed as it is negatively affecting my credit score.

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