BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-29
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I attempted to obtain a credit report from annualcreditreport.com, months ago. Equifax would not mail the request due to some form of problem. I received a response from Equifax dated XX/XX/XXXX. requesting additional identifying documents. I mailed them a copy of a XXXX with my SSN and a copy of a utility bill along with a copy of their request letter. I then received notification dated XX/XX/XXXX. that I must provide additional identifying documents, like the ones I already mailed. Equifax has been provided with the best identifying information I have available and I have not been able to obtain a credit report from them, as required by law. 
I once again attempted to obtain a report from Equifax through annualcreditreport.com today. Once again I am unable to receive any report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
From XX/XX/XXXX-XX/XX/XXXX ; Equifax has been harassing me and showing careless lack of concerns.Now I am at the point that I need your help to report this to the senator of my state. I asked Equifax for they ( Vice President ) Name/Numeber/Address and Email. They refused, also used in subordination towards me. I have filed several complaints before this point with them. No response has been giving ; leaving me to believe that they did n't report nor submit all my complaints:XXXX-of them! I spent my money mailing, faxing and sharing my personal information. By law they was suppose to remove a 7 year inquiry. Keep in mind I feel I have a lawsuit on my hands being the victim, because I was incarserated and I did not authorize nor request any fradulent activities that are on my account. Please take charge to handle procedures and civil constitution rights of a victim of unessary identity theft. I have names/dates/times that I was harass by Equifax. 

Note : My XXXX experience with Equifax has been prolong and critize and ridicule as a victim to be a mockery, maybe it 's Equifax who submitted and wide openly shared my personal information to have my file corrupted! 
Euifax is full of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
EQUIFAX IS REPORTING FALSE AND DAMAGING CREDIT INFORMATION. 
XXXX DEPT. OF H XXXX, is a fraudulent account en toto.I have never paid them anything.When I contacted them they said they were going after the filer for fraud, yet they have created this false record ... .all the while I had a contract for child support, for the same children in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a credit report from Equifax showing a XXXX SERIOUS DELINQUENCY code for a XXXX XXXX account with the comment " ACCT SUBMITTED TO COLLECTION ''. I disputed the item and contacted XXXX directly. They agreed that the account had been paid on time and have no record of a collection action. They mailed me a letter stating as such. 
Despite the item being in dispute and the subsequent admission by XXXX that this was an error, my FICO score is unusually low and is causing a direct harm to me as the cost of a loan product will increase by {$60000.00} over the loan term.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have two issues. First, Equifax has been informed that my information was posted online and that people are applying for credit under my name. There have been numerous inquiries to XXXX. I want Equifax to remove these inquiries because they are fraudulent and unauthorized. I have not initiated ANY credit inquiry in the last 2 years. Any inquiry in the last 2 years is FRAUD Second, Equifax refuses to remove the XXXX account when I have documentation from the school that it should be removed. It 's been very damaging to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
On XX/XX/XXXX, looking over my monthly bank statement. I noticed an unfamiliar charge on my bank statement. Contacted the bank to investigate found out the charge was fraud. The fraud started XX/XX/XXXX through XX/XX/XXXX. After solving the fraud situation with the bank, I started seeking the damage of the fraud. 
On XX/XX/XXXX, I received a copy of my credit report. Going through the report I found a lot of negative issues not related to me. I found Bankruptcy information, a XXXX ( XXXX ACCOUNT ), and Credit Inquires being reported as a negative towards my report. I contacted Equifax Credit Bureau to dispute the false reporting of these issues. My first attempt disputing through Equifax was mailed certified on XX/XX/XXXX. Not receiving an updated credit report and it is now XX/XX/XXXX. I am filing a formal complaint with the Consumer Financial Protection Bureau. 
I have copies of all letters and police report information sent certified to Equifax by me as they show proof of contact and effort to have these accounts removed. Also, I have sent a letter from XXXX, which shows my account to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Demanding a Credit Bureau InvestigateTo Whom It May Concern : I recently submitted a request for investigation of the following Acct Numbers : OHIO DEPT OF HUMAN SERVICES XXXX OHIO DEPT OF HUMAN SERVICES XXXX OHIO DEPT OF HUMAN SERVICES XXXX OHIO DEPT OF HUMAN SERVICES XXXX These XXXX accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for EQUIFAX or agent of EQUIFAX to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have been cleaning up my credit report. XXXX and XXXX both investigated and removed everything I sent. Equifax on the other hand is a diff story I have disputed several things one was a judgement that was basically illegally filed because they knowingly sent it to an old address and we did n't know anything about it until I pulled the credit report. I sent in letters to all agencies with documentation showing they filed without us knowing. It was investigated by all agencies XXXX and XXXX deleted it equifax marked it as satisified ( which is incorrect ). 2nd I sent a letter to a collection agency requesting proof that a debt was ours for comcast because we believe it is for the equipment that we turned in. Its been 45 days they have n't responded to the letter, I disputed it with all agencies it was removed from XXXX and XXXX. Equifax has n't removed it. 3rd sent out another letter to a collection agency for harris and harris requesting they validate the debt show proof it was ours. They never responded its been 3 months nothing. Field a dispute with XXXX and XXXX it was investigated and removed. Equifax did n't remove it. XXXX. XXXX paid tax leins we did n't know we had until I pulled the report they were paid in 2014 XXXX removed them. XXXX and equifax have not I filed for an expungment from the state and that has n't gone through yet but I did send letters and proof it was filed to both agencies. I 'm trying to get this cleared up to purchase a home and its becoming incredibly difficult. I do n't understand how one agency can verify something as incorrect or not ours and removes it and another agency finds something totally different.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Attached is a copy of my Credit Score from XXXX/XXXX/2016. There is no reason underneath XXXX green earth that anyone should loose XXXX points due to they moved to a new address. This is the only change I have made to my credit account in the past 90 days. I am not sure why Equifax is deliberately ruining my credit. I do n't know why when I call these people they are still saying I have a mortgage I do n't have. I do n't understand for the life of me why they do this to me every 3 mos. I have filed this same complaint 60 days ago due to Equifax took XXXX points, 60 days ago and XXXX points yesterday. This is a total of XXXX points in 60 days. I am filing a lawsuit against everyone involved. I have filed numerous complaints with the consumer affairs, nothing is ever done. I have contacted Equifax on numerous occasion they just keep telling me I need to report some mortgage I do n't have. I am tired. This has caused me financial harm over the last year. I am done. I contact XXXX and the Federal Government. I have filed a formal complaint and a representative will be contacting me within 1 day. I am sending them over all of these complaints I have filed with this consumer affairs. I am sending over all of the documentations I have sent to Equifax. I am filing a XXXX XXXX dollar lawsuit against Equifax and everyone involved. Equifax has ruined my financial history due to the XXXX. I am XXXX XXXX. I am filing suit due to I am being racial profiled and racially harassed due to I moved and this was the only change I have made in the last 60-90 days. I am being financial ruined due to the XXXX and I am filing a lawsuit for racial discrimination and Equifax is failing to take responsibility for causing me financial harm

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am getting daily call collection calls from an unknown collector at ( XXXX ) XXXX. The collector refers to an alleged medical debt of {$310.00}. This medical medical claim has been paid to the hospital by my insurance company. However, the collector falsely states that the check was sent to me. However, the collector refuses to provide me with a documentary evidence to support this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
It is that time for my daily complaint against Equifax. They are going past 90 days on the investigation and still can not get their information right. Equifax should no longer be allowed to be in the business of credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed information on my Experian credit report and even provided fraud packets from the FTC with information confirming I was a victim of identity fraud. On my credit report there is an account for XXXX and duke energy that were fraudulently open. The credit bureau has taken no action to resolve the issue or remove the accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am a XXXX year ( XXXX ) mother of XXXX and my husband has XXXX ... I 'm the only person working in my household. These negative credit reporting practice system is affecting my ability to find affordable housing for my family and this may lead to us being homeless. Please, help me resolve this issue. I have disputed negative items on my credit report with Equifax, XXXX and XXXX at least 5 times in 2016. I believe the Equifax, XXXX and XXXX Credit Reporting agency is in violation of my civil rights and prejudice against minorities, because no matter how many times I provide evidence I paid my debts they are unwilling to remove the old data from my credit report. They continue to report athat least XXXX accounts as collection or late payments. I resolved and paid all these creditors. Also, I believe this credit company has illegally used and shared my financial bank statements ( I used to prove accounts paid. ) and sent information to XXXX to aid them in continuing to report inaccurate information. This data was used against me with out my consent. I just want the negative accounts removed so I and move on with my life and afford housing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I made application on line for my report, they will not let me see the report, telling me to call them. After 1/2 hour on the phone to them, no one answered. It is sad that personal information lies with those we do not know. Sadder that we can not even find out what is being reported on us, without our permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My complaint with XXXX XXXX is that they never sent a final bill to my updated address of email address. When I cancelled services, I called to have the final bill resolved -- which included providing an updated address to send the bill to. Though I never received that bill, or any notification that they were trying to collect a debt from me -- my account was charged off to collections. Once I noticed the debt on my credit report, I immediately paid the balance to the collection agency. I have tried to reconcile with XXXX so that they will remove the reporting but they will not attempt to do so because they feel the reporting is valid. Even still, I I never received a final bill. Customer service has been trite and uncompromising in working with me to get this resolved. I find the actions of XXXX XXXX to be both unprofessional and unfair reporting to my credit report. I Seek to have the negative credit reporting removed completely from all the reported to agencies : XXXX, Equifax, XXXX, XXXX, and XXXX XXXX XXXX XXXX. I find any trace of negative reporting to be unfair as it will affect many of my future endeavors negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax continues to put inaccurate information on my credit report. I have sent them adequate proof to remove this descrepancy XXXX debt collection XXXX off my credit report. I was denied credit with XXXX because of the debt collection. Equifax have not removed this collections off my credit report, even after I have sent them court documents where this case was dismissed by XXXX XXXX XXXX due to the fact they could not verify this debt as belonging to me. I have repeatedly written Equifax asking them to send me the " Method of Verification '' used to verify this debt as belonging to me and they refuse to send me anything. Equifax keep saying it was verified. After getting legal counsel to help with this issue, my attorney XXXX XXXX XXXX XXXX XXXX XXXX asked XXXX XXXX XXXX XXXX send them verification that the debt belongs to me. XXXX XXXX, never received anything from XXXX XXXX XXXX that they verified that the debt belongs to me. So, XXXX XXXX XXXX eventually dismissed the case against me. I sent Equifax a certified letter on XXXX XXXX, 2015 asking them to remove this debt collections of my report, with the court documents that it was dismissed by XXXX XXXX XXXX and still to this day I have yet to receive anything from them and the debt collection is still on my report. I sent the same documents to XXXX and they finally removed the debt collections off my credit report ( I added this to the PDF file, also ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently went to a HUD approved home purchasing counselor and had a detailed credit report pulled, there were approx. XXXX negative marks on my credit report from a company named XXXX. There were no account numbers associated with this collection agency or any contact information for them. I Googled the name and I found a XXXX number. I also found multiple lawsuits against this company for illegitimate practices as well as negative rating from the XXXX. I tried to call to find information on what accounts their negative marks were regarding and after having to repeat my ssn multiple times and being told I was not who I said I was since I could not verify the address they had in their files, I was then hung up on by a supposed supervisor. These " outstanding '' accounts are from what I was told medical bills, however, I have never received a single medical bill or collection notice and my address has been the same since 2001. I have had the same doctor since I was XXXX years old, I am now XXXX and have yet to receive a phone call or bill for any services. I have never been notified of any outstanding balaces from my physicians office and should not have any outstanding balances of any kind. These alleged accounts that I can not find any information for are drastically affecting my credit score and need them removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I requested a copy of my credit report for review and found XXXX discrepancies. There is a XXXX after my name showing XXXX XXXX XXXX XXXX, and I have never used any numbers after my last name. There is also a former address that is not mine listed on my credit report that is the next address listed under my current address. The incorrect address on the report is XXXX XXXX XXXX, XXXX, IL. XXXX. This was reported on XX/XX/2012 and last reported on XXXX/XXXX/2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i called Equifax and also sent them a letter requesting for them to investigate open a dispute on the 2 hard inquiry accounts. 
XX/XX/2017- XXXX XXXX XXXX XXXX . 
XX/XX/2017- XXXX XXXX . 
Equifax told me credit inquiries are factual record and that i need to contact the original creditor to remove the inquiry. they are using a stall tactic and is in direct contradiction to my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX XXXX is attempting to collect for an account that is not mine. It was my girlfriends XXXX account that I was ONLY an authorized card holder on. It should be removed due to this. XXXX shows it on my credit report as charged off in XXXX. The breach of contract happened in early 2008. The account for XXXX XXXX XXXX XXXX is beyond the FCRA limits of 7 years and should be removed for that reason as well. They are also violating the FDCPA because I have asked them to validate this debt prior to reporting it and they refused. So I have XXXX and XXXX XXXX XXXX reporting a bad mark on my credit that should n't be there because it is over 7 years and it was n't mine and to top it off they refuse to validate it or allow me to prove it is n't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have had to repeatedly submit formal notice and demands in accordance with FCRA for Equifax to remove the fraud alert from my credit report. They have repeatedly purported that " no fraud alert currently appears '' on my credit report. And then when I access my credit report again, the fraud alert ( " EXTENDED FRAUD ALERT '' ) is conspicuously appearing at the beginning of my report. I reckon that 's their angle : to remove it from consumer view temporarily and tell me that it 's not " currently '' appearing ... and then reinsert the fraud alert. This has occurred now well over XXXX times. They can no longer make a claim of negligence. This is willful, and it has caused me irreparable harm. It needs to be permanently removed.

Company response to consumer: Closed with explanation