BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax decided to penalize me by taking XXXX points off of my credit score because I used 23 % of my available credit which is {$110.00} ( {$500.00} is my credit ) .They basically marked it as a huge no no and compared with previous zero % usage and thus decided I was a very bad girl. No, I was n't late with payment. No, it was n't a carry over amount from previous cycle. What 's the point in having a credit card if you get penalized for using 23 % of the total available amount. So much about XXXX shopping for me ... now I 'm at the point where I do n't even wan na use the card. While I was using it as recommended my credit score did n't move in months but stayed the same. There was times when I had more spent but I never lost XXXX points. Like I said, I did n't do absolutely nothing for this to happen. This needs to be rectified asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Midstate Collection Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN FL XXXX COMPLAINT, # 1 MIDSTATE REPORTED PAYMENT OF $ 20.00,XXXX DID NOT HAPPEN, COMPLAINT # 2 MIDSTATE IS REPORTING THIS AS JOINTLY WITH MY XXXX, NOT TRUE, SHE HAD HER OWN INSURANCE. 
COMPLAINT # 3 FROM XXXX/XXXX/XXXX THRU XXXX SERVICE GHARGES WITH NO EXPLAINATION OF CHARGES. COMPLAINT # 4 WIFE ACCOUNT AND MINE ARE REPORTED AS THE SAME #.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Revco Management, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
15 usc 1681 section 602 I have the right privacy. 15 USC ... 1681 section 604 a section 2:1also states a consumer reporting agency furnish a scout without my instruction. 15usc1666B a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late. account XXXX XXXX XXXX XXXX XXXX has violated my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I applied on line to open a checking account with XXXX Bank and they use Equifax. They asked a series of questions to prove my identity, which I failed because the questions had questions of other people with my same last name XXXX XXXX XXXX that have nothing to do with. There information is incorrect. I change my name in court when I was XXXX, and never married or had anything to do with ant person with my new last name in XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I again come to you for your assistance with this matter. I am the victim of ID Fraud and I have sent all the information that is needed to Equifax to remove the accounts that are affected. I sent the Police Report, FTC Affidavit and a letter of reference to Equifax and they still leave the accounts on my credit report and they have yet to remove them all.. Please again remove the fraudulent accounts off of my credit report and please block them out so that they can not continue to reinsert the sae information back on. You have deleted XXXX XXXX twice and yet tey continue to re-insert it back on because your have n't blocked the. XXXX XXXX XXXX is the collection agency that is collecting for XXXX XXXX and you have only deleted XXXX accounts and left the others there. You have left XXXX there. Please do your due deligience and no this should not take 60 days to complete you have 4 days to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This complaint is against Transunion and XXXX credit reporting agencies. After obtaining my credit report and reviewing the information, I noticed that on my Transunion and XXXX credit report they are both reporting public records of tax liens which should be a violation. As of XXXX XXXX XXXX, tax liens and judgements were no longer suppose to be reported. Considering that this information is no longer suppose to be included on my credit report I ask that this information be deleted in which it has yet to be deleted and is still showing up on 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 explanation
Consumer complaint received 2016-10-24
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have a a unverified accounts from XXXX XXXX & XXXX BAL {$300.00}, XXXX {$260.00}. I had previously disputed this account. I have never done business with these XXXX companies Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt they purport I owe. I request that these companies Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that these companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
my phone was stolen by a FORMER friend, who used my identity.I WAS TOTALLY UNAWARE OF THIS COLLECTION UNTIL I TRIED TO GET A CAR THIS MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: IL
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 received an alert from XXXX that I had a new credit inquiry. XXXX uses Experian for their credit monitoring services. 

Inquiry Date : XX/XX/2023 Lender : XXXX XXXX XXXX It appears that XXXX ran my credit without my consent, as I have never engaged or attempted to engage with XXXX in any capacity.

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 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
THE ADDRESS XXXX XXXX XXXX, XXXX XXXX, FLORIDA, XXXX IS NOT MY ADDRESS. I HAVE NEVER LIVED THERE.

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 2016-06-04
Company: Seterus, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I lost almost everything after my divorce and had a had time putting my life back together But I did get things turned around and back on track I am working and making good money I can pay for my family home. I need and want to keep my home Please Help. This is all I have left the house has been in my family for years and the one place the kids can still call home I know the house needs a lot of work and is only worth XXXX of what is owed the bank today but I am willing to do the work to fix it up and pay what is needed to keep it. I also know the Bank has someone they know trying to buy it for next to nothing .Now that it not worth it and I have paid on it for years why should n't get a chance like that to help me afford to save my home Please Look into This and help Me Save My Home Before They Take It From Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
THE ADDRESS XXXX XXXX XXXX, XXXX XXXX, FLORIDA, XXXX IS NOT MY ADDRESS. I HAVE NEVER LIVED THERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Since the FTC Fair Credit Reporting Act attempts to prevent consumer 'Discovery ' by requiring that 3rd Party entities ( such as Collection Agencies ) contact consumers about a reporting action before submitting it, I submitted a request on XXXX/XXXX/16 via Equifax 's Online Dispute process to have a ( {$27.00} ) XXXX reporting entry removed. 

Although I informed Equifax that I was never contacted by the provider XXXX XXXX XXXX XXXX XXXX about the matter, it 's now been over 45 days and the company is yet to remove the entry as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: U.S. BANCORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
US Bank has incorrectly calculated my excess mileage charge. I have written to them more then 6 times.
They have not fixed it.
They have damaged my credit score.     A full explanation is attached.

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 2023-01-04
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of 2018 XXXX XXXX  posted a notice of XXXX hours to vacate on my door. I complied with their written request and left the unit spotless after hiring a maid service to clean. They have said I left my lease & have posted on my credit the cost for the remainder of the lease. What they did was illegal & this debt is not valid. I was never late with payment- it was retaliatory for complaining about their property & XXXX XXXX being sold out of it by the neighbors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because EQUIFAX has ignored my numerous request to provide me with the documents that their company has on file that was used to verify the accounts I daisputed being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA-They are required to '' Promptly delete all information which can not be verified '' that I have disputed. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
After my credit information was compromised by the state of South Carolina we were offered free credit protection for one year. We opted for the protection so that no credit could be issued to me unless I was physically present. A few months later ( today, XXXX XXXX ) I visited my local verizon store to get a cell phone plan. XXXX needed to verify my credit in order to determine if a deposit was necessary. XXXX used equifax to verify my credit. 

At the XXXX store I called Equifax and requested that they allow a credit inquiry. I verified all of my personal information and they agreed to lift the freeze on my account and provided me a confirmation number for the action : 1. After the first call at XXXX the freeze was not lifted from my credit and my XXXX application would not go through. 
2. After the second call tHe equifax rep said that they would now lift the freeze. 
3. After the third call the equifax rep said their system was down and to call back in 30 minutes. We waited and called back. 
4. after the fourth call the equifax representative said that their system was rebooting and requested that we call back in one hour. We waited the time and then called back. 
5. After the fifth call they said the same thing. So we waited an hour and called back. 
6. After the sixth call they said that their systems were up and the credit freeze was lifted. It was not. 
7. After the seventh call ( now XXXX XXXX ) we were transferred to XXXX who works for equifax in XXXX in the XXXX. XXXX simply said that the credit was unfrozen and that XXXX could call some other number. XXXX called and also got no where with equifax. 

Equifax literally held my credit hostage. They cost me and my daughter an entire day 's work. My daughter 's time is worth $ XXXX and while I am retired my time should have a reasonably equivalent value.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
1 ) None of the XXXX agencies will provide my report. 
2 ) XXXX XXXX XXXX ; I have XXXX fraudulent open collection XXXX. 
3 ) Degrotry collection from the XXXX XXXX child support, there is no balance and was incorrectly reported. 

Unable to dispute due to inability to access free credit report. 
I am a XXXX for 18 years ... I decided not to utilize my credit ... so there should be little to no activity ... 
Thank you ... 
the attached screenshot shows the suggested phone number ... .which is not active. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have been requesting verification of the following account that Transunion continues to report on my credit file chapter XXXX bankruptcy and chapter XXXX bankruptcy. Transunion listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/XXXX. On XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Agent XXXX and he informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. On XX/XX/XXXX, I also contacted the number listed at the bottom of my XXXX XXXX  confirmation paper XXXX and spoke to Agent XXXX and she also advised me that my security freeze was confirmed and set into place as of XX/XX/XXXX. She also stated that there is NO inquiry from Transunion or mode of verification from XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Transunion shows as reported on XX/XX/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
Consumer complaint received 2015-12-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed with Equifax to no avail and they will not remove the accounts from my report. I have even sent my police report and also a letter from XXXX XXXX for removal of account. I am requesting them to remove XXXX XXXX and XXXX XXXX from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Student Assist Plus LLC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I had loans from XXXX XXXX which were transferred to XXXX. I now have a loan through XXXX I was under the assumption that I was suppose to be paying a third party student assist plus {$30.00} a month, and it is set up on the XXXX of each month. Unaware that I am not suppose to be paying I have been. XXXX informed me that I have no need to pay this third party. So i was submitting this form to see if anything could be done about it, and if any way possible would I receive any of my money back.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is currently reporting voluntarily dismissed chapter XXXX bankruptcies # XXXX, XXXX and XXXX in my credit file. Equifax responded to my complaint filed and stated that " The FCRA allows bankruptcy information may appear on a consumer 's personal credit report ''. And " The bankruptcy dismissed/withdrawn status will remain on your report for 10 years from the filing date. " The is a vague, fabricated statement which is not accurate and complete. There is not any clear language in the statue that states an voluntarily dismissed chapter XXXX bankruptcy should be included in an consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: PA
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: Their investigation did not fix an error on your report

Complaint:
I have this fraudulent account XXXX XXXX XXXX on my Equifax and XXXX XXXX file affecting my credit even though XXXX has investigated and removed with police a d identity theft report. Can you assist it getting Equifax and XXXX to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
the addresses is reporting incorrectly on my report i have no knowledge of these addresses other than my current residence. XXXX XXXX XXXX XXXX XXXX.this has been my address for 10 years

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i contacted Equifax online and filled out a dispute about a reported account in collections that is not mine. when i submitted the form they said they cant process it. they stated that i had loans out in the multiple choice questions which i checked 'none of the above '. i have never had loans out. they said that the information did n't match their records and prompted me to fax my drivers license. they did n't give the option to email a copy. im very tired of getting the run-around. attached are the disputed reports. the collection agency said to dispute it with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I filed a complaint with Equifax regarding my account not being updated for XXXX XXXX. I requested either the company verify info or delete account and in return my account was updated with incorrect information and my credit score dropped drastically. This is not only wrong but inappropriate on many levels as this is jeopardizing my loan to purchase a home.

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

Complaint:
They have not responded to my disputes at all. 
XXXX XXXX XXXX XXXX XXXX XXXX for {$31000.00} was released and the balance is {$0.00}. This was released by XXXX and recorded as released with XXXX XXXX, CA. Equifax still shows it as open after years of being released.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Seterus, Inc.
State: AR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been waiting to finalize a Deed In Leiu for a year with Seterus. I received douments Saturday XXXX XXXX from XXXX County Circuit court containing suspicious content for the same mortgage. The document contain XXXX XXXX XXXX and his ex wife XXXX XXXX XXXX. 
It also contains the Quit Claim Deed executed XXXX/XXXX/XXXX. This house was my Mother 's who has been deceased since XXXX/XXXX/XXXX. 
The Plaintiff is XXXX XXXX XXXX XXXX. 
Please give me a fax number to fax these documents. 
XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, AR XXXX P XXXX

Company response to consumer: Closed with explanation