BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-15
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am contacting you at the XXXX time in order to clarify and get your assistance or support with the issue or bad debt situation with car loan. here what had happened : As any customer I had a dream to buy and own a car, so my selection was XXXX, I contacted XXXX of XXXX, MD. It was very hard to find the car that I wanted, I could n't find it at my XXXX location, I wanted red and was offered Green with White Roof, it was proposal from XXXX of XXXX to participate in their show of XXXX process to immigrants in the XXXX. I rejected the offer. The guy who served me was very impatient XXXX XXXX, who raised his voice on employees and later on I found out his employment was terminated, I get with another manager at this location later. The offered interest was too high 12 % to prevent me to buy red car and sell me green car. I continued my search and found a car in the XXXX location. It meets almost all my requirements, no leather seats. 
The offered interest on loan with XXXX 18 %, I agreed because I have a sponsor who prefer to ananomous, told me take it otherwise you 'll be unable to find it with leather. I greed to the terms and conditions. Later I got letter, Thank you for financing and so on. I lost that letter when I moved out. In some time letter I got Title. Please see attachment. There no lien holder ... I trust my friend 100 %. 
Later on started my XXXX that I do n't pay the bill and collection letter in my door and damages to my car. I assume if dealer want to return the car back why they will damage it?! Proof of Evidence : ( Right Rare Tire Hole ), Engine, Left Side Bumper Scratch, I got thru all holes on the road with car noise like breaking it down, Gas tank, I could n't fill in gas my electronics were jumping UP and Down with gas level, My REAR Sensor were alarming when there were no object behind with reverse. My snow sign was blinking and alarming when there is no snow ... I am safe driver I scratched Rear Right White Rim DUring parking, My electronics was going crazy, I complaint about it to the XXXX, they offere me Diagnostics which I could n't get because my car was stolen from Private Property Parking with Request to show the check ( payment ) which I do n't have, because my friend paid for the CAR in order to provide me with assistance of supporting to find the job and live independently. I mailed Title to Texas, where it was sent from. For now I do n't have news. I just want my car back and truth if it is possible what happened with money, how money could be stolen from bank, it takes time to verify and clear checks or payments, I did n't get thank you note the next day in a month and title as well, it means money were there .... then disappeared. The car was repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX admitted that they were taking off my other credit reports after complaining to both XXXX and XXXX. Both of those credit bureaus plus XXXX decided it was wrong information. The reporter XXXX XXXX previously reported to this same Consumer Financial Protection Bureau as well as XXXX and XXXX that they were deleting this line item as it was false. XXXX XXXX even threw in the towel on these and stated that they are taking it off. It is evident that this was a commercial debt to a different company that XXXX Bought and tried to stick to my personal record even though it was a corporate debt with a different tax ID. The last attachment shows XXXX taking it off even without CACH throwing in the towel. Under my rights under the FCRA Equifax the only remaining credit bureau carrying this false information should investigate and take off immediately. For the last 2 years this has been reported wrong and I really do not want to take all parties to court. Yet we have all documents that prove XXXX is wrong oin ever putting this on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax continues to report an account ( XXXX Account # XXXX ) on my credit report that I have requested several times to have deleted since it does not belong to me. I had also attached to my investigations with Equifax as proof an original letter from XXXXBANK which whom is the original furnish-er of this account that they would delete this account since it does not belong to me. Equifax with proof from the original creditor keeps saying this belongs to me? 

-Attached is original letter from XXXXBANK-Attached is XXXX separate dispute results from EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Placed a security freeze on my Equifax credit report on XX/XX/2015 via phone ( XXXX ). They billed my XXXX XXXX credit card {$10.00} for this on XX/XX/2015. ( Technically, this should have been free since I am over XXXX yrs. old -- this according to their written info. ) Was provided a pin # & confirmation # at that time & told that I would receive written confirmation of such. To date ( XX/XX/XXXX ) have not received it. Written statements on an earlier-received credit report ( in XX/XX/XXXX ) note that written confirmation of a security freeze will be sent within 10 business days of the request. 
I had to use you last spring when I had not received a requested credit report from them after 4 or 5 weeks when it was supposed to take 2 to 3 weeks to receive such. This is the only credit bureau ( of the XXXX ) that I have problems with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax is required to have the docs associated with the accounts in their files PRIOR to even reporting them pursuant to section 609 and those docs are to be made available to me. I requested those docs last month and only received " results '' stating that XXXX these accounts are verified and accurate. 

If you see XXXX V XXXX 1997, you will see that Congress states that once I notify the bureaus that I believe their information to be inaccurate, they must not only reinvestigate but must also go beyond the original source of information. They did not even conduct an investigation, as I contacted each company and was told that they were not even reached for verification and that the information in my credit report is IN FACT INCORRECT. So where are they getting their information from? 

I 'm including my current dispute letter as well as the XXXX previous dispute letters which clearly state my disputes. I have also forwarded these letters to my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I paid my Tax Lien that was filed by the state of California and the lien has been released for several years now. I contacted the state office and asked them how to remove the lien of my credit but they keep referring me to the XXXX credit bureaus. I ha e filed a disput with all XXXX credit reporting agencies several time but they will not remove the released lien. The credit agencies keep telling I have to contact the state. I feel like I 'm going in circles and can not find a solution. 

Please helpThank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX Collection account should be removed from my credit report as this should never have been sent collections, as it was paid by XXXX XXXX XXXX XXXX back in 2013 and the amount of the bill was {$280.00} not {$410.00} as XXXX XXXX is claiming

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am requesting to file suit against Equifax, I am not sure what these people 's problems are however, the only way this will all be resolved as if it goes in front of a judge. Equifax, you have taken my XXXX XXXX credit card off of my credit report. You will not update the XXXX XXXX XXXX and XXXX XXXX as being paid in full. You will not take the Mortgage off of my credit report. At this time I think it is just best that this goes in front of a XXXX judge to be resolve. I will be filing suit in the morning. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XX/XX/XXXX, my wife and I sent a request to Equifax, asking them to investigate errors on our credit report. My wife received a timely response to the request, but Equifax has not sent me the results of my investigations. It has been 45 days already, and I have yet to receive any word from Equifax regarding my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Regarding account XXXX reported by XXXX XXXX XXXX to the credit bureau, Equifax. This collections company has not responded to requests to provide validation on the reported account and sends mail back as " Return To Sender ''. No correspondence has come from them, and they have made no claims to justify their right to pursue this account. XXXX and XXXX have removed this item because of failure to respond. Despite this, Equifax continues to " verify '' the account after repeated disputes, and has not complied with 611 ( a ) ( 7 ) requests to disclose THE method of verification used for this particular account, only a general statement of various possible methods with vague and unspecified procedures. Actions are FCRA 623 violations. Equifax even went so far as to remove my current address from their records after making requests for method of verification, saying that they could not honor my request because my address did not match their records. Yet, all of Equifax 's correspondence with me is to my current address. Attached are the dispute letters sent to XXXX XXXX XXXX that have received no response, as well as proof of mailings sent to their listed XXXX location that they Return To Sender. Also included is letter from Equifax stating my contact information no longer matched in their database.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I had a Judgment against me on my public records. The court had entered it wrong so I went back to court and had it fixed. The Judgment now shows Dismissed. So after that I disputed it with Equifax. I sent them a copy of the court record the Judge her self gave me. They as in Equifax said that the copy that sent them was not Legit so they could not take it off my credit report. I than called them and told them that is the exact paper the Judge had gave me. They said that would not work, so I told them to look up on me public records where they get that info from and see it has been fix. The gentleman/supervisor said there is nothing he could do about it and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filling this complaint because I have been ignored by the Equifax. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed completed and paid my bankruptcy a couple of years ago. I went to get a new car and when they pulled my credit report it said that I was 120+ delinquent on my XXXX XXXX XXXX for {$3200.00}. I had to have my lien released to me for insurance purposes and so I had to call the XXXX customer service. They did not say anything about a past due amount and release the lien to me. They would not have released the lien to me if I owed them money. I know that I do not owe because the final report of my bankruptcy stated that everything was paid. My husband and I are trying to refinance our home and we ca n't do that because if this error on my report. I have attached a copy of Paid Chapter XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
hello, My name is XXXX XXXX XXXX, a victim of fraud that was done on XXXX XXXX and XXXX XXXX 2015. As someone got my " social security and fake id also have other personal information '' and has tried to open an XXXX account and also a XXXX account first on the internet and then XXXX also along with in activity as they had purchased XXXX XXXX phones I phone XXXX plus cash from the customer service representative Along with opening XXXX lines in while opening the account under my name and information, lacking enough information leading back to me. Alone with providing false fraud information! Has currently been shut down a email was sent to you regarding this from XXXX and fax with all my personal information was sent to equifax if you could forward all this information to all credit bereus it would be greatly appeciated. You will also get a response back on the paperwork in a couple of days as i plan to send it by the end of this week. I have sent over police report and have contacted avon police and sterling heights and also have not yet heard response back from avon police as it is still under investigation in XXXX Indiana. Please feel free to contact them or me at anytime. 
Please leave a message if i do n't answer. I am not answering unknown numbers, so i ill get back to you. : ) thank you. 
Tell me what is the next plan in action to pursue more into taking care of these active accounts. 

Again, please contact credit bureau also i also have contact all the ( 3 credit bereaus ) and to take care of the credit scores etc. Also have followed the instructions of the fraud information that the police had given me to follow through in the process of being a identity theft victim and have done fraud alerts as well if you can further take action in providing me safe and security in my personal information. 
Please look into asap. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX via XXXX multiple hard inquires to Equifax - XXXX, uthorized hard pulls = Total of XXXX, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 XXXX - MORTGAGE DEPARTMENT : XXXX Creditor Contact Information : XXXX - MORTGAGE DEPARTMENT XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX - MORTGAGE DEPARTMENT : XXXX XXXX/XXXX/15, XXXX/XXXX/15 Creditor Contact Information : XXXX - MORTGAGE DEPARTMENT XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax, is continuing to report a Chapter XXXX bankruptcy that was filed XXXX, the law/ statue states is should be deleted 7 yrs from the date of filing, also a Chapter XXXX bankruptcy filed XXXX, which should be deleted 10yrs from the date of filing.Equifax is violating the statue of LIMITATION on the ChapterXXXX, & the Chapter XXXX should be deleted XXXX. 
Please, review the statue, regarding bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Dear sir /ma'am, My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX XXXX XXXX I want to file a complaint against the Collection agency and all XXXX credit bureau so that they can remove the unwanted / wrong collection from my credit report. 
I called XXXX on XXXX/XXXX/XXXX at XXXX XXXX and spoke to XXXX I provided her the USPS tracking numbers she tracked the package and confirmed the delivery. Then she opened the Case : XXXX to get the credit adjusted for returned devices. She told me that someone will call me at XXXX XXXX XXXX with XXXX business days and will tell me about the outcome of the case. 
XXXX tracking # XXXX XXXX tracking # XXXX Now without informing me or without sending any bill XXXX just sold it to a collection agency called XXXX. XXXX contacted me in XXXX XXXX. I explained to them about the whole scenario and the representative told me that they are going to send me a form so I can furnish all these information in written. But I never received anything from this collection agency. So without sending me any form so I could have disputed the case with them they just put it on my credit report with all XXXX credit Bureau. I am providing the address and phone numbers of all involved agencies. 
Address and phone number of collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Address of credit bureaus XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Equifax Information Services XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I sent a direct dispute to XXXX about a card that is on my credit file. XXXX sent me a letter stating that the delinquent account would be removed from my credit files within 30 days. However, it is still on my Equifax report. Therefore, I sent a dispute to Equifax along with the letter from XXXX showing where they stated the removal of the account from my credit file and Equifax still refuses to remove it off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I modified my loan XX/XX/XXXX. I have been making my regular contractual monthly mortgage payments each month since then. In XX/XX/XXXX I noticed that my web access was cut off and called to find out why. I was advised on the phone that my mortgage was 1 month delinquent. I reviewed my checking account statements and I made very single monthly payment on time. I wrote to the mortgage company for an explanation and I received the attached letter dated XX/XX/XXXX which stated that prior to the modification on XX/XX/XXXX they mistakenly applied {$660.00} to my loan. on XX/XX/XXXX my modification and new loan agreement took effect and I made my payments timely. In XX/XX/XXXX they took my monthly mortgage payment reveresed it took {$660.00} and placed {$1500.00} in a suspense account thus making my mortgage delinquent one month. They did this without ever notifying me of their actions. I am now being threatened with foreclosure for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX is attempting to collect a debt with very little validation. I received a bill that I have no knowledge of. I believe this is identity fraud. Equifax assisted in reporting this negative account without proper investigation. 

I decided to go and do research through the secretary of state ( Texas ) as of XX/XX/2017 ( XXXX ) XXXX does NOT have an " ACTIVE '' BOND to collect debt in the state of TEXAS. This is a huge violation. 

XXXX of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Seterus, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage servicing company does not mail me Form XXXX ( Mortgage Interest Statement ) as required annually in the last 3 years in order for me to file my tax returns. Every year, I called to get the information and they kept saying they required an authorization from my attorney. The loan is in Chapter XXXX and payments on the loan are being made by the trustee. The attorney 's office sent the required authorization letter for the servicer to provide me with this information. The servicer claimed that they send the information to my attorney, however, the attorney 's office said they did not have the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Seterus, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a loan modification from Seterus and they have done nothing but give me the runaround. There have been outright lies and deception on Seterus ' part and I feel CFPB should be made aware of their deceptive, unfair, abusive and misleading mortgage servicing practices.

Company response to consumer: Closed with explanation