BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX, FL XXXX SSN : XXXX | DOB : XX/XX/1968 Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 
XXXX Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-06
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
So after spending hours on the phone weeks ago because of a lock on my credit and told to fax my social card and drivers license in to remove it I did.. Then I was told EQUIFAX removed my name from my social. So I was then told weeks ago the lock was removed and all was fine. So I then went to my bank to get a loan and they did pull my credit. So I am thinking my credit is unlocked. WRONG! My Social number pulled up my dads info!!! We have the same name but I 'm a XXXX and he is a XXXX We live at the same address but my birthday is XXXX/XXXX/XXXX and his is XXXX/XXXX/XXXX! So how does my social now pull up his?! So I called personal solutions and they pulled up my dads credit with MY social. They said I need to merge it and sent me to the " mixed department ''. When I got there they pulled up my credit that is MINE and MINE only just to tell me there is still a lock on it! I said well when the bank and personal solutions department brought my credit up with my name of XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX SC XXXX it brings up my dad. Well the " mixed department '' said they do n't see my dads but only mine. REALLY?! Also then I was hung up on by a " XXXX ''. I then called back and she was still NO HELP! How can ONE company with SO many departments bring up different credit reports on me but each department say I only have XXXX credit report and do n't know what to do about it???!!! I was then told to ONCE again fax my SS card and Drivers license and wait ANOTHER 48 business hours. 

My credit ONLY active accounts I have is a XXXX XXXX credit card with a {$4000.00} limit and a XXXX credit card with a {$7000.00} limit. THATS IT!!! Now if you look up my credit and if it has a mortage thru XXXX XXXX XX/XX/XXXX and a XXXX XXXX XXXX credit card from XX/XX/XXXX and a car loan thru a credit union in XX/XX/XXXX. THATS MY DADS NOT MINE! ..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX, I requested my free annual credit report. After viewing my credit report, I noticed over XXXX credit/loan inquiries on my account that was not authorized by me. I contacted each company and was told that there was not any account open under my information. I explained that I have a hard inquiry on my credit report and need it removed as soon as possible so that I could apply for a home. I was told that the inquiries would be removed from my credit report. As of XXXX/XXXX/XXXX, none of the inquiries have been removed dating back to XXXX. I had a initial fraud alert placed on my report on XXXX XXXX, so if any credit reports are being pulled with my information, I was to be contacted by the company before any action was taken place. I just want the inquiries to be removed so that my scores and credit is not being impacted any longer. I would like to purchase a house, but until all of the inquires are removed I will not be approved with XXXX inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax refuses to remove a Chapter XXXX case that is over 7 years old that I had dismissed despite Section 1681 ( a ) ( 5 ) of the FCRA. I have also filed a XXXX complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
No response on complaint investigation for XXXX after 2 years. I ordered ScoreWatch from XXXX ( Equifax ) and Equifax is still reporting inaccurate information. Original complaint regarding XXXX XXXX XXXX reporting inaccurate amounts ( showing full amount due after XXXX was issued ) and inaccurate dates ( recent lates after charge off, after XXXX issues ) is documented in report XXXX. 

Additionally, it is now reporting several recent late payment dated after the XXXX was issued when I disputed in XX/XX/XXXX. Since the account is closed at charge-off, there is no late payment after XX/XX/XXXX. I have been denied tens of thousands in potential credit for " recent derogatory remarks '' on items that are six years old. 

It is well past 60 days for CFPB to investigate -- it has been over 2 years -- and nothing has happened. All other credit reporting agencies have changed the amount to XXXX per XXXX/IRS guidelines. Repeat requests to change this information has been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A {$55.00} medical bill went overdue and I was not made aware until I was contacted by a collection agency. I paid the bill in full as soon as I was made aware of it. However, in the meantime, the medical office closed and the collection agency has refused to remove it from my credit report. Now I 'm trying to get a home loan and being penalized because of this one single thing on my credit report when I have not had a single late payment on anything else in my entire credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent a certified letter to equifax over 45 days ago requesting verification of late payments and collection accounts. I informed them to send me documents that they have in their file as of date to verify the accuracy. Under the fair reporting act ,XXXX, I have the right to demand all documents retained in their file. NO copies were ever sent. This is a violation of Section XXXX XXXX a ) ( 5 ) ( A ) ( i ). They did not mail evidence of the accuracy of my accounts on file within the 30 days. Unde the FCRA XXXX all unverified accounts must be deleted promptly. No copies of the verified information on file was sent to me in the 45 day period. Thats a violation of my rights. Just mailing a letter stating verified is not enough. I needed documents mailed to me from the files of all the late accounts or collection accounts. None were ever sent. Now I am demanding all account that are negative or in collections removed due to no verification documentation was mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is in reference to a fraudulent charge recovery request from numerous collection agencies, which XXXX XXXX is fraudulently claiming I created on XX/XX/XXXX. XXXX has never tried to contact me by phone, or at the address where I reside concerning this account in any way whatsoever. I have never opened an account with XXXX, or been in a XXXX store, or ever contacted XXXX concerning service. I had refuted the charges to XXXX, XXXX, and XXXX. XXXX  and XXXX did remove the fraudulent charge, but XXXX  will not remove the fraudulent charge without consent from XXXX XXXX. This charge has been tossed around from XXXX debt collector to another. When I got a letter from XXXX XXXX XXXX. I refuted the charges and sent them a written notification that I do not own the debt and will not pay. The charge is then passed on to Jefferson Capital Systems LLC., I refuted the charges and they pass the fraudulent charge on to XXXX  XXXX XXXX XXXX XXXX again, I refuted the charges. And the circle continues. 
I have contacted XXXX fraud department by phone ( XXXX ) and was told, by a representative, XXXX, on XX/XX/XXXX that the account exists but has not been used. I was told, by XXXX, that my name and social security number will be removed from that account, and the reporting agencies notified, and that I would receive an email stating that it has been cleared. I informed the XXXX representative that I have never lived at the address listed on the fraudulent account, and I have never seen, or not familiar, with the telephone number listed as the contact number. I have not heard from or been contacted by XXXX fraud department since this call. 
I recently received a threatening letter from Jefferson Capital Systems concerning the debt and that they can sue me and will continue harassing me about this charge. ( Letter attached ). I need my name and social security number disassociated with this fraudulent charge and the credit reporting agencies updated.

See attachments :

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: TRANSWORLD SYSTEMS INC
State: LA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I HAVE TRIED TO CONTACT THE COMPANY FOR INFORMATION AND BALANCE, IT IS NOW WITH AN ATTORNEY COLLECTION AGENCY AND WE HAVE SENT XXXX CERTIFIED LETTERS REQUESTING THE SAME AND WE CONTINUE TO KEEP GETTING THREATENED WITH A JUDGEMENT AND WE HAVE SHOWED UP IN COURT SEVERAL TIMES AND THEY ONCE HAVE N'T SHOWN, WE CONTINUE TO CALL AND EMAIL WITH NO RESPONSE EXCEPT FOR A SEE YOU IN COURT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
EQUIFAX is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EQUIFAX in accordance with g.a.a.p, I.f.r.s. in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the folowing vendors/creditors : XXXX XXXX XXXX-account : XXXX, XXXX XXXX account : XXXX, XXXX XXXX, and XXXX XXXX XXXX and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
1 ) i notified XXXX that on XXXX, XXXX 2016 i sent XXXX a certify letter disputing my account it was delivered an as indicated in the ( FDCPA 807 ( A ) ) the creditor has 30 days to put a remark that i have disputed the account which they have not done and its still being reported by equifax has not removed the report i sent XXXX more letter to XXXX XXXX XXXX to the same add as the first letter but this time they not accept them. This is affecting my current process for a job with customs. and i also requested that equifax remove some hard inquiry that i have not authorized and they said they can not removed them i hope you can assist m with this situation. i will include copies of the certified receipts and returned letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
going into reports for XXXX and Equifax I were asked questions that I answered correctly they did not apply to me and I was told that the information was incorrect and I could not receive my reports but the answers did not correspond to anything about me. I would like to dispute credit items online and can not get any human to speak with to correct information or tell me how to respond to the questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Before I left XXXX XXXX and moved to XXXX  I broke a Lease which I paid off when i dropped off the keys The Original Apartment Complex was Bought out and I was Sent to Collections saying i owed a Balance, Which I do not I disputed Several times and can't get it resolved or Proof of Debit closed out

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: PNC Bank N.A.
State: PA
Product: Credit card
Issue: Rewards

Complaint:
PNC bank mailed me a physical letter advertising my pre-approval a new credit card with a promotional bonus of {$100.00} upon meeting certain requirements. After meeting the requirements no {$100.00} bonus was received. I spoke to a PNC bank escalation representative who asked for a copy of the offer, which I provided. I was then told by the representative that the {$100.00} credit would not be given because I was not eligible for the offer because I had previously received an unrelated bonus for an unrelated banking product. I still have the mailed printed offer explicitly outlining the terms of the disputed offer, and it contains no terms describing that I would be disqualified by receiving bonuses for unrelated banking products. 

If not for the bonus offer I would not have opened the line of credit which harms my credit score, affecting loan rates, and costing me time managing the credit line..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-23
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I contacted equifax on XX/XX/XXXX about the fact that they are not reporting my public federal bankruptcy number XXXX filed on XX/XX/XXXX DISCHARGED on XX/XX/XXXX they keep telling me that they can not input this information despite it being public information and on the pacer.gov website I faxed in my federal bankruptcy paperwork to equifax on XX/XX/XXXX and they have confirmed it was received. This bankruptcy information is reported correctly on transunion and experian I have called and complained numerous times as its affecting my credit report with equifax to this day. There are XXXX negative accounts showing up under XXXX XXXX XXXX XXXX XXXX that should be updated with this information as included in bankruptcy if that is n't enough these XXXX accounts WERE also included in my ex husbands bankruptcy case XXXX filed on XX/XX/XXXX discharged XX/XX/XXXX. I have also contacted XXXX XXXX at XXXX XXXX XXXX XX/XX/XXXX and he said by law this information would be corrected in 72 hours however as of XX/XX/XXXX it is still being reported wrong by Equifax and XXXX XXXX XXXX XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To All party involve Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Problem : Equifax sent an unencrypted email to me that included my user name to the Equfax web site and a transaction number. Doing so removes a layer of security ( user name ) from the unauthorized access to my credit information through Equifax 's web site. This is simply stupid by them and I want them to stop doing it. [ I am a retired XXXX with 27 years experience. ] History : I regularly obtain my credit report from all XXXX major agencies. For the last 3 years, I 've not been able to request it through their web portal. So I 've been calling their phone number to get it, and it arrives within a couple of weeks. But, this time, I received an email at the address they have on file which contained security information ( user ID ) and a transaction number. Unencrypted emails are not secure, and can be read all along the way from their server, to any server in-between, and on my mail server. Any nefarious person could tap into the email streams and gather such sensitive information, especially if they focus on the domain names of the XXXX major credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 have several inaccurate inquiries on my credit report that are fraudulent. please look into the matter i spoke with someone who advised me to start here,

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 2017-03-13
Company: STONEGATE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had a short sale on a mortgage in XX/XX/XXXX and my mortgage company is reporting to the credit bureaus that I am currently late on a mortgage to XXXX. They reported false information in XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX There should be no changes reported since the date the mortgage settled in XXXX. It was reported as currently late again to XXXX in XX/XX/XXXX. Any lates should be removed, this was settled in XX/XX/XXXX per the attached. Stonegate acknowledged their error in the attached letter, yet I cant seem to get resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax has allowed XXXX to report inaccurate information for over five years on my credit report. After multiple times disputing with Equifax and XXXX I have now filed my first lawsuit against both companies. I have another lawsuit that is being prepared against Equifax. Equifax has put me through the ringer for over a year and a half. The XXXX account should not be reporting as it is incorrect information and must be removed. The account reported as a charge off on my credit file when they actually sold the debt. Once the debt was sold in XXXX 2010 it should have updated on my report to list as sold. I have disputed this multiple times with both companies and previously disputed with Equifax through CFPB. I am currently disputing this with XXXX through CFPB case number # XXXX. My previous dispute through CFPB against XXXX was closed out with a simple letter stating that they had responded to me last year. Well my dispute was not the same as the response they sent last year. I have now filed suit against both companies.

Company response to consumer: Closed with explanation