BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I sent an id theft affidavit to Equifax to block XXXX items that were opened in my name by someone else. They sent back a notice that they would not block the item without a police report. This is a violation of my rights under the Fair Credit Reporting Act. When this act was amended in 2004, the credit bureau representatives who came to train on the differences clearly indicated that a police report was NOT mandatory. Indeed, they provide copies of an ID Theft Affidavit ( attached ) that could be used to identify the item. 
Section 605B clearly indicates that a copy of an identity theft report would be required but not that it must be a police report:605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
But like the credit bureaus have done with sending letters extending a mandatory 30 day time frame for investigating disputes ... changing the 7 year time frame for reporting Chapter XXXX bankruptcies after 40 years ... .and not allowing consumers to have their disputes removed ( who else but consumers would know they are no longer disputing ), the bureaus have simply changed the rules without changing the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: EQUIFAX, INC.
State: VA
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 checked my credit report and it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
FOCUS FIN ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FOCUS FIN or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FOCUS FIN or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: Meridian Financial Services, Inc.
State: DC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of Identity theft. This has been reported to local authorities and the credit Bureaus. Meridian financial have been contacted in writing and I have shown them My Drivers license does n't match the fraudulent copy they have on file. They continue to report fraudulent information on my credit reports hurting my ability to conduct business and causing me financial harm.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX XXXX has placed a fraudulent account on my credit reports under collection. We sent proof from XXXX XXXX of the fraud that was conducted. This has caused an issue with my ability to purchase a home and apply for credit cards. Credit reporting Agencies state it can take up to 90 days to remove an item from a report. That should not be for an item that was proven to be fraudulent and should be immediately removed by all three credit agencies if the company recognizes the fraudulent activity. Please help as I need to close on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I submitted a dispute several times to Equifax in regards to XXXX Mall account appearing on my credit report incorrectly. There are two accounts listed around XX/XX/2016 I started disputing the two accounts because they were reporting inaccurately. I submitted dispute after dispute with records to match my dispute from the said creditor. Equifax finally updated one account and left the other still reporting inaccurately. I received a letter today again stating the information was verified as being reported correctly when in fact it is not. They are in violation. I sold the vehicle back to the dealer XX/XX/2016 the balance was zeroed out on the account. Still it is being reported as if I own the vehicle and not making timely payments. I have sent certified letters to both the creditor to update the info and to Equifax to delete the incorrect info and stop furnishing it. It is ruining my credit and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax mortgage solutions continues to report incorrect information on my credit report.They are reporting items as late that I have not had since XX/XX/XXXX.My report changed within a month to reflect items that are XXXX yrs old to be reported as late payments as of XX/XX/XXXX.They have also added items that were previously removed due to being reported in error.This incorrect reporting not only caused me not to be able to obtain a mortgage but caused me to be place on un paid job leave for 90 days which will ultimately result in permanent job termination if the items are not corrected.I have been working really hard for the past 4 yrs trying to repair my credit and made sure every payment to every debt, credit card or loan I have is paid on time or early but all of my hard work has went down the drain due to the incorrect reporting and now I can potentially loose my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-14
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
HI, my complaint is about a modification that I got back in XX/XX/XXXX, and now that I have put my house on the market and went to closing on XXXX XXXX, XXXX there has been a big problem with the mortgage company the I got the modification with, My realtor and the title company has not been able to get the pay off balance from this company, because they keep coming up with different situation preventing the title company from getting this pay off balance, and this company charges me an additional 10 % of the proceed in which I amto received from the selling of the house, and I received a XXXX from them in XX/XX/XXXX in the amount of {$8800.00} during tax time, this is just a big mess and they are just ripping off innocence people that are in the need of help, I got laid off of my job in XX/XX/XXXX and got more hours to work on my part time job to make ends meet, so now as it goes, I will receive a little of nothing after this loan company takes the proceeds and If I am not mistaken it was 6 % and it has increased to 10 %, I 'm sure that I am not the only one with this problem so please, please help me, because I this that this company taken the advantage of certain races or all, and all the people that are working with this account states that they have never heard of such in all of their working with mortgage /loan companies. Thank you so much for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My identity was stolen and is been really hard for me to correct all the errors in my credit report I have been writing letters and filling out complaints about this problem and I 'm still having problems due to inaccurate information on my report on XXXX of the credit bureaus Equifax and experian I also have a big issue with XXXX. because they check my credit very often for no reason and this affect my credit greatly. I 'm retiree receiving ssi and all my bills are pay by XXXX XXXX and the federal government, and I need all this information corrected and fixed so I can have some tipe of credit again, please I 'm asking for a full investigation on my on my credit file so all the issues can be solve appropriatly. Thanks for your time and have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to dispute this collection. I attempted to verify debt with company and they only sent a copy of a bill which is not verification, failed to verify debt the amount of XXXX was paid for a totally different bill

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 2016-07-15
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
THEY WANT ME TO PUT A XXXX DOLLARS DOWN I DO N'T HAVE THAT KIND OF MONEY ... THE OTHER PERSON TOLD ME IF I DID NOT HAVE A CREDIT CARD OR DEBIT CARD WE HAVE NOTHING TO DISCUSS AND I KNOW SOME OF THOSE BILLS ARE DUPLICATE AND TRIPLICATE I ALSO WANTED A LETTER STATING THAT THESE BILLS WILL BE DELETED OFF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Mailed a dispute to equifax n XXXX received notice today that they were not going to do a reinvestigation due to I have not provided any relevant new information to warrant them to do a reinvestigation. However in the letter I sent to equifax I pointed out there are several social security numbers showing on m y credit report, that donot belong to me. The accounts that I disputed are not related to my social security number : XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX bankruptcy XXXX bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
i have a sole proprietor business and file tax extensions every year due on XXXX XXXX the state of California filed a {$1200.00} lien on my home in XXXX 2010? my accountant figured my state tax burden of {$230.00} which I paid and the state released the lien still showing {$1200.00}, I had visited the state tax board twice and told oops sorry that was a mistake, I ask for a letter to send to the county and credit reporting companies but again they say sorry I will have to dispute so that they can be removed, XXXX removed the negative info but XXXX and Equifax have not and have been disputing every year since 2010 I do have the documentation showing the error and have sent to credit agencies with no success

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was denied Mortgage Loan Modification many times over the past 4.5 years. Every time they gave a different reason. ( They even CLOSED my file on numerous occasions ) citing " NOT RECEIVING THE DOCUMENTS '' ... .so my file did n't even make it to a reviewer.. 
I started sending the documents to a mediator, to their lawyers and also to them directly. ( Since doing this they did not tell me that the documents were not received anymore ). 
In earlier XXXX, they sent me a letter saying that they approve my modification request - the letter was dated XXXX XXXX. 

At approximately XXXX on Thursday XXXX XXXX, I received some documents from the Mortgage lender outlining the terms of the " modification '' ... ..which, if I were to sign, would eventually put me in a worse situation that I am in currently. ( They want me to sign and return the documents by XXXX XXXX ). 
They are trying to put me in a 40 year adjustable/variable rate mortgage which I think is real unfair business practices. 
Please investigate for me and if possible point me to an attorney who may be able to assist me with this .... 
Thank You

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 2016-03-08
Company: Dyck-O'Neal, Inc.
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt buyer Dyck O'neal Inc has engaged in multiple deceptive, unfair, and misleading debt collection practices. Please closely review the violations listed below and supporting documentation I have included : 1. Dyck O'neal Inc purchased this " deficiency debt '' for only {$1.00} and then claimed I owe them {$100000.00}. However this is totally inconsistent with the final statement I received from the original creditor XXXX XXXX XXXX regarding this property which clearly states that the Balance outstanding was {$140000.00} and the Fair Market Value of the property was {$170000.00}, leaving NO deficiency and making this a phantom debt. ( see judgment assignment and XXXX XXXX XXXX Statement ) 2. The original action occurred XX/XX/XXXX, that is over 5 years ago. The statute of limitation in XXXX is only 1 year, making this time-barred. Also I am a XXXX resident and the statute of limitations in XXXX is only 90 days. So this also violates XXXX public policy. 

3. Based on the XXXX XXXX XXXX statement I provided, my drivers license, my credit report, my address has always been in XXXX. But based on the XXXX County Public Records website ( see printout from XXXX/XXXX/XXXX ), Dyck O'neal intentionally and willfully filed this lawsuit with a false XXXX address I have never lived. Potentially disclosing my information to a third party and commencing legal action and obtaining a default judgment without my knowledge. The sewer server service denied me the legal right to defend myself. 

Since I am a XXXX resident with absolutely no connection or contacts to XXXX. It 's difficult, inconvenient, and expensive for me get out-of-state legal assistance regarding this issue so I am desperate for the Consumer Financial Protection Bureau to assist ensure a fair resolution. 

I recently became aware of this after reviewing my credit report which dropped XXXX points. I also applied for a job, and after a background check they sent me a Fair Credit Reporting act notice ( see enclosed letter dated XXXX/XXXX/XXXX ). 

Not only is this embarrassing, but this illegally obtained judgment has devastated my credit score, damaged my reputation, causing me XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2017-03-26
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX, CA XXXX XXXX XX/XX/2017 XXXX, Oh XXXX XX/XX/2017 I did not authorize these company that I listed above to run my credit on my credit report due to the law under section 604 of the FCRA they broke the law by sharing my information that i did n't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent Numerous notices to Equifax to delete the inaccurate accounts they could n't verify or Validate to me. These accounts are not mine & need to be delete from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took out a installment loan with Ace cash express XXXX and I was making the monthly payments. I had on XXXX occasion called and spoke with the agent letting them know that I had to wait till my next pay date to pay my loan. The agent said that it was fine. My pay day was a week from when the payment was due. I then called to check and see the amount that was due when I came in that day. When I spoke to a lady on the phone she said that I was too late to pay a payment and that I had to pay the full amount. I told her that I did not have the full amount of the loan at that time. She told me that Either I have it all or go into default. which would entail being called and bugged at all times of day and night. Ace started calling me about XXXX times a day and sending me false emails that said that I owed about {$500.00} more than I the actually owed. I also had problems at work because they would call me multiple times at my work which untimely led to discipline at work, and finished with me being let go from that job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have an old judgment showing on my report that should not be on there. There are XXXX bureaus that report your credit score. I have reviewed XXXX of them and XXXX has an old judgment showing unsettled and the other shows it paid. They are not accurate and it is keeping my score low. I do n't think they update their information on a regular basis because they definitely are not showing the same information.

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 2015-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX / XXXX / TRANS UNION ALL THE MAJOR CONSUMER CREDIT REPORTING AGENCIES ARE REPORTING FRAUD ACCOUNTS AND WILL NOT BLOCK OR REMOVE ITEMS AS OUTLINED BY LAW. PLEASE SEE ATTACHED DOCUMENTS AND POLICE REPORT ALONG WITH LETTERS FROM THE COMPANIES REPORTING NEGATIVE AND FRAUD ACCOUNTS. ALL ACCOUNTS REPORTED ON XXXX / XXXX / TRANS UNION SHOW FRAUD ACCOUNTS OPENED BY XXXX XXXX USING MY NAME / SS # / DL # AND XXXX XXXX XXXX XXXX BANKS ACCOUNTS THAT I 'VE BEEN EXONERATED OF ANY DEBT OR LIABILITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans Union had a glitch in their system that violated the rights of their consumers under Section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL be removed : XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX/XXXX/XXXX ; XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX/XXXX/XXXX ; XXXX XXXX/XXXX/XXXX ; XXXX XXXX/XXXX/XXXX.

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