BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax has release my credit report XXXX times fraudulently and they refuse to remove these fraudulent inquiries. I told them someone posted my personal information online and even put a fraud alert on my report and they continue releasing my credit report. 

The following inquiries are fraudulent and should be removed by law. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
In XXXX I purchased a property IN FULL, IN CASH from XXXX XXXX. According to the XXXX XXXX in MA, XXXX XXXX could not legally sell me the property, because they had not yet correctly completed the Foreclosure process. I was issued a Cert of Title declaring the property free and clear, but as it turns out it was not. I have lost tons of money, and my family is suffering greatly over this matter. WF lies and denies involvement in the matter on paper. I possess a written declaration from XXXX XXXX from the WF Ex Office declaring that WF has never, nor do they now have any stake in this property. ( Please see attached " Answer of MERS & Wells '' doc provided to prove this is a lie ). I need help in recovering my losses over this property. Can someone PLEASE HELP ME and my FAMILY! PLEASE! 
" All of this arises out of the MA Land Court 's spring XXXX decision in XXXX. The decision was affirmed by the Supreme Judicial Court in XXXX. The effect of the decisions was that foreclosures had not been done properly. 

The initial foreclosure in this case was done around the time of the Land Court 's decision in XXXX. The lender realized that it had a problem and then attempted to remedy the problem by re-foreclosing. 

When they re-foreclosed they did not do so in the name of the grantee on the initial foreclosure deed. 
The following explanation makes it defective. 

The mortgage was assigned on XXXX/XXXX/XXXX - the date that the assignment was executed. 

The first publication was on XXXX/XXXX/XXXX. Therefore the foreclosure was defective and the mortgage passed to XXXX XXXX, as Trustee under Pooling and Servicing Agreement dated as of XXXX XXXX, XXXX Securitized Asset Backed Receivables XXXX XXXX XXXX Mortgage Pass Through Certificates Series XXXX. 

The subsequent foreclosure was conducted by XXXX XXXX as Trustee instead of by XXXX XXXX, as Trustee under Pooling and Servicing Agreement dated as of XXXX XXXX, XXXX XXXX XXXX XXXX Mortgage Pass Through Certificates Series XXXX. '' - XXXX XXXX, XXXX XXXX, XXXX, Title Insurance Lawyer representing XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: DISCOVER BANK
State: MA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I cosigned for a credit card with a {$300.00} limit for my daughter when she XXXX 17 years ago. She got married 15 years ago and called Discover to remove my name and change the card to her new married name since she had established good credit. She later moved into a new home and called to change her address with Discover. I never received any more credit cards, letters or phone calls from Discover in the last 14 years about that account so we assumed they removed my name from the account as she requested. She continued to get correspondence and replacement cards in her name only at her new address but nothing came in my name which I believes proves I had been removed from the account as she requested. Now I got a letter from one of my banks saying there is a Charge Off on my 38 year perfect credit rating for an account I had been removed from 14 years ago. My daughter is going through debt consolidation and the consolidation company had no idea there was a consignor on that account either. Discover never contacted me to tell me that I was associated with an account about to go into default. I have my own account with them in perfect standing so my contact information was readily available. I have lived at my current address 53 years so it 's not hard to find me. When I contacted Discover their response was they only contact the primary card holder. I told them I had a credit card with my name on it when the account was opened but when it expired 3 years later, none was ever received in my name either at my address or my daughters address again proving I was off that account. Discover could not answer why I never received a replacement credit card since the account was opened yet they are saying this is listed as a joint account. We have run a family construction business for 29 years and our credit rating is imperative to continue getting lines of credit jeopardizing the jobs of XXXX workers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-06
Company: DISCOVER BANK
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have XXXX loans through Discover Student Loans which I took out for my XXXX education. Over the past few months I have called to let Discover know that I am returning to XXXX status, starting an XXXX program. On each call I have received different instructions about the process for getting my loans deferred. To err on the side of caution, I submitted proof of enrollment online on XX/XX/XXXX. I recently received a letter back in the mail claiming that my request did not " meet their requirements ''. They list an arbitrary, onerous set of conditions for exactly how the letter from the school must be formatted and what it must contain. This process is, prima facie, an obstruction of consumer rights. I am attending a worldwide renowed, top-XXXX business school, and it does not offer a letter of proof of enrollment meeting their baseless criteria. Since their phone support techs have been misleading and offered contradictory information repeatedly in the past, and Discover is trying to obstruct my contractual and legal right to a deferment, I am submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: DISCOVER BANK
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have 3 loans with Discover Student Loans and I have requested a lower payment, but they have said it is not possible to do before the charge off date of the loans. They are not willing to allow me to make a lower payment at this time in order to provide me with time to avoid charge off. At this point, they are forcing me to only move toward charge off of the loans because of their refusal to provide options.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Rent Recovery Solutions
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Rent Recovery Solutions is falsely placing an eviction on my credit report. This creditor is stating that its accurate in which its not. I never stayed in this location, never signed a lease. I did apply for the apartment but decided not to sign the contract. I have an illegal evcition from this company and I never went to court or signed a contract. I want this removed immediately off my report as its harming me and my family. I can not get an apartment due to this. I never had any type of evictions on my report. I called this debt collector multiple times and they keep passing me around. The person handling my case is n't even returning my calls. This item should have never been on any of my credit reports. I 've been passed around NUMEROUS of times this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Seterus, Inc.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am the personal representative for my fathers estate. Seterus is telling me it will take 8 days to verify that I am the responsible party before they will give me the payoff information. It will take up to 8 days after that for them to process the payoff. I need the payoff by XXXX XXXX for the real estate to close. I have been trying to get the payoff since XXXX/XXXX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
One of the issues on my credit report is apparently a junk debt buyer sued me for a debt that is not mine. Now he has placed a judgement on my record through XXXX XXXX XXXX XXXX. A default judgement. I ca n't even get enough credit to buy out my lease on my car. I do n't know how to fight those guys. Also, there is a judgement that was satisfied that belongs to a family member with a similar name. Then there are several addresses and phone numbers that I have NEVER HAD! I 'm frantic!! I have tried to dispute the info, but if I do n't give the answers that are supposedly mine, I ca n't even file it. What should I do? This is so horrible. 30 years ago I was a victim of identity theft and it 's still coming at me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a loan financed through XXXX XX/XX/2015 but the car had a number of issues and I tried to return the car but the dealership did n't want to give me my money back. I tried to take it back prior to 30 days but to no avail. I refused to make the payment and knew that they would pick it up then and they did pick it up around XX/XX/XXXX ( 10 days after payment due ) at about XXXX some XXXX man beat incessantly on my door and demanded the keys and for me to remove anything that I had out of the car. I immediately cancelled the insurance and the registration with the DMV and XXXX XXXX XXXX. I expected to see a rep on my credit report and I would have been able to get another car but the finance company keeps reporting that there is an open loan and that it is current making it impossible for me to get a car loan. I have tried since XX/XX/2015 ( date I first learned of open loan ) and every month since. XXXX XXXX has been contacted several times and keep giving me the run around and the last time i contacted them was on XX/XX/XXXX and was told that the loan never funded and to contact the dealership. I am getting the runaround from both XXXX and XXXX XXXX XXXX in XXXX, Georgia. Lastly, Equifax is equally as complicit as XXXX and XXXX XXXX XXXX as they have perpetuated a lie by claiming that they verified with the source and that it is correct. The address of the creditor is n't even correct so I know they have n't contacted anyone. I also know that they profit from negative information so it is in their best interest to continue to promote this deceit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XX/XX/XXXX i traded cars at parks XXXX of XXXX nc located XXXX XXXX XXXX.i tried again XX/XX/XXXX and told them to only run mycredit with XXXX XXXX and no one else.i late checked my credit reports andfound that they had ran my credit a numerous other places and brought myscore down approximately XXXX points.i called them and asked them to removethe unauthorized inquiries and was told they could n't do that and the creditbureaus would not.i would like them to remove ALL of their unauthorizedinquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 'm filling a complaint against Equifax about information on Public Record and collection.I want dispute an error with Equifax showing that I have a tax lien with IRS. The reference number XXXX, filled XXXX XXXX 2009, amount {$5300.00} federal. This federal tax lien was paid off and cleared. I have information with attachment. I want this information removed from public record now. Plus. In Equifax collection they are showing that late billing with XXXX XXXX XXXX I was late with payment. It also showed that XXXX XXXX XXXX collection agency. I paid that bill in full at XXXX XXXX XXXX billing office in XXXX, Arizona that month of billing cycle.I want this remove from my credit report now

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Attempted to collect wrong amount. I never had the services for the above said amount {$73.00} from XXXX XXXX XXXX and it is misleading me by having in collection folder makes uncomfortable. Please help me It was removed from collection, again inserted. 
Because of this my credit score has been drastically gone down. Please help me asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I consistently have to dispute accounts with Experian. I can not do online disputes because the system generates questions that have nothing to do with me, my identity nor my credit report. I 've gotten asked twice to verify a mortgage account that is n't even on my credit report nor did I have XXXX opened in XXXX. When I call all I get is transferred constantly. Today is XXXX/XXXX/XXXX I 've been on the phone for over 30 minutes, transferred twice. I ca n't get a fraud alert placed on my account. I ca n't seem to do anything but, they keep placing false information on my credit report. I 'm tired of having random things put on my credit report by Experian. I am not having this issue with any company other than Experian. And I pay for a membership with them through 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 2016-08-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax is reporting an account that was previously deleted from my credit report from XXXX, and sold to XXXX XXXX. and they started reporting the account on my credit report without sending out any notices in writing as required under FCRA and FDCPA. I have disputed these alleged account several times alone with documentation showing that this account was previous deleted from my credit report. I contacted XXXX to request verification of the debt after I saw it on my credit report and asked them why they did n't notify me before they placed these alleged accounts on my credit reports. I have documentation that shows a zero balance from another company that had these alleged accounts. I want these alleged accounts removed and not resold to another collection company so it can be placed back on my credit report. The Collection company is also in violation of changing the dates of these alleged accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
All the issues on my credit report have been taken care of and they still show on my report. I have no outstanding debts or judgements! They still show on my report and also show that I am applying for credit which I am not. I have closing statements and escrow that can send for evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hi I just became a XXXX resident and obtained my social security number XX/XX/XXXX. I have been having such a hard time everywhere with my credit because it shows I have cars and other items since XX/XX/XXXX. This information is not correct is not me and I already went to the social security office and they said only my name is under that social security number. what else can I do? I ordering a credit report and they tell me no because my personal information does n't match my social security number. But I have all proofs is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Date:XX/XX/2016 XXXX : XXXX To Whom It May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : These are the only XXXX addresses that I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX And XXXX XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX XXXX , XXXX XXXX Please remove all the other addresses off my report. They are not correct. 
I have never lived at the XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX XXXX. Driver License and Proof of Residence

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I pulled my credit file on XX/XX/XXXX and realized none of my accounts on my equifax report had updated since XX/XX/XXXX. I called each of my creditors showing on my report and wzas informed by each of them that the had been sending my credit file monthly to equifax. I called equifax on XX/XX/XXXX and informed them this was going on and that my file for the last year none of my accounts had updated my credit limits, balances or payment history since XX/XX/XXXX the rep informed me that she had matched up my information in their system and it would update within 24-48 hours. The following week I pulled my report again and my info still had not updated, I called equifax back on XX/XX/XXXX asked for a supervisor I was put on the phone with XXXX ( a supervisor ) she told me every account that was listed on my credit file had stopped sending them updates in XX/XX/XXXX. I informed her that I had statements from my creditors that stated my history with them that they had been reporting to equifax she informed me the only way they could update my credit file is if each of my creditors called them and they updated my file through there business dept my creditors informed me they do n't do that they only send electronic files. Equifax has refused to update my file even after sending them the letters from my creditors stating my credit limits, balances and payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Wondering how to get historical record of any dispute ( s ) filed pertinent to my having initiated one several years ago with a credit_monitor but not communicated confirmation of progress, that apparently only got swept under-the-carpet until after subscription to said 'protection ' had expired. Belief is also that XXXX. applied a fraud alert which was not released prior to disconnecting service, due to my latter inability to respond correctly to identity proof contests and subsequent loss of all online access to all XXXX scoreless credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I disputed with XXXX a XXXX XXXX XXXX account that appears in my credit file. I believe that the balance reported is incorrect. I believe that this account was paid and closed. I requested to Equifax to mail to me the account-level documentation used to confirm the accuracy of the information. For example, a signed contract, the terms of the contract, purchase and payment history, as well as the method used to compute the interest, fees and other charges applied to this account on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, 2015 I discovered an error on my credit report an address does not belong to me, I 'd disputed the item in question via online. Equifax required that i need to send a copy of the following documents : Driver 's License, SS #, Utility Bill, so I did send the requested documents. 30 days later The item in question has been deleted, on XX/XX/XXXX I check my credit again via XXXX XXXX, again the address XXXX XXXX XXXX , XXXX GA is reinserted on my credit file information. I contacted Equifax via the telephone my call was forwarded to the call center, .the agent assisted me in disputing the item in question for the second time. Finally on XX/XX/XXXX I received a letter from Equifax confirmation # XXXX that the address that does n't belong to me has been deleted ( see attached ). On XX/XX/XXXX I check my credit.again via XXXX XXXX as always, sure enough here we go again the address that does n't belong to me is reinserted for the third times! I never live on this address for some reason Equifax insisted placing it back on my credit file information. Someone is providing Equifax with this incorrect address I repeatedly told them about the item in question. In addition there 's a consumer statement on my file that i did n't write or requested to add.

Company response to consumer: Closed with explanation