BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-19
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Yes I have filied a identity theft to the XXXX credit reporting companys. I got 1 response to 1, the other 2 have not been able to due to not getting right address from them when I call. That is my one complaint that they do not answer or report the right information. My XXXX complaint is there is a report on my husband report and they told me at the county office that the credit reporting companies hire someone to go in and get info and report back to them. They do n't look at birthday or SS to make sure they have the right person or not. They reported on my Husband when it was my Son 's debt just cause they have the same name just one is a XXXX the XXXX. They told me its our job to look at our credit report and dispute something that is not ours if we see something wrong. I told her what about our credit score? It takes your companies 3 months to fix and the damage done what

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: SC
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was sold to Seterus Inc . Shortly before we filed Chapter XXXX Bankruptcy. From the time it was sold, we have had a very difficult time getting any information regarding our loan. Immediately upon filing Chapter XXXX XX/XX/XXXX, our XXXX sent over authorization ( as requested by Seterus Inc. ) so they could speak to us regarding our account. It has been over 4 years and our Lawyer 's office has sent the required paperwork for them to discuss our account and send us the necessary documents so that we can continue making payments on our account numerous times. It has been sent to the addresses and fax numbers requested, yet every time it never " shows up in their system ''. We are expected to send payments with little to no information of our account status or amount actually due! On XX/XX/XXXX another letter was sent to the number provided by the Bankruptcy department, and they claim it still was not received. We faxed the letter to them directly today, and now are being advised that they have no way to verify they received the fax. They also claim to have no one to call to check to see if the faxes have been received after having to deal with this for several years. It is extremely difficult to maintain an account in which we have little to no access, except being told to send a payment! The fax numbers we have sent the letters to are XXXX, and XXXX. Both have been verified as correct fax numbers, yet paperwork is never received and there is no one we can contact to verify a fax comes through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After filing my last complaint about the 30day late payment in XX/XX/2020, XXXX agreed to remove late payment and update the account to all credit bureaus. It has been over 30 days and Ive checked my credit and the it is still showing a 30day late on Experian.

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 2022-04-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX loan # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 agreed to do a pay for delete with a credit card that I had with XXXX XXXX/ XXXX XXXX. I paid an account off in XX/XX/2019 that was charged off to collections. After paying the account off XXXX XXXX did not delete the account like they said they would.

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 2017-01-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Case number : XXXX This is the submission of XXXX XXXX disputing the response " Explanation of closure '' of JPMorgan Chase Bank NA of XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: EQUIFAX, INC.
State: MO
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:
There are unverified accounts that remain on my report. I have tried multiple times to get these accounts removed ; the credit agency has not provided a method of verification yet they continue to report negative items that impact my ability to be approved for other lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
EqufFax.Credit Reporting Agency is now showing a negative delinquent " closed '' account on my credit report and they have reduced my credit score to based on this account which has been closed since XX/XX/XXXX and has recently shown up on my credit report as unpaid. The account shows that it was opened XX/XX/XXXX with XXXX but I have not had an account with XXXX and I do not owe them for past services. I have filed a dispute with Equifax XXXX has billed me {$480.00} for an account they claim was opened on XX/XX/XXXX. I have not been a Direct TV customer since XXXX and my account was settled and closed at that time. XXXX is now claiming in error that I owe them for this closed and settled account. This bill was sold to a collection agency and has now hit my credit report and is affecting my ability to secure credit including a home loan. I have contacted DirectTV but they have not been able or willing to resolve this issue. I am asking the CFBP to exercise it 's rights and duties under the authority of the Congress and President of the United States to investigate this error in billing which has placed an undue burden on me and my family. The CFBP 's duty is to protect the consumer from such unlawful and unfair practices. 

I was made aware of this false and erroneous debt when I recently checked my credit report. I was never contacted by XXXX about this issue or this bill. This account needs to be expunged from mt credit report immediately as it is having an immediate and ongoing detrimental affect on my quality of life and ability to support myself and my family. 

Your prompt, thorough and corrective response is greatly appreciated and much needed, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have disputed this unauthorized inquiry dated XXXX/XXXX/2016 on my Equifax credit report by XXXX XXXX multiple times and have provided a copy of the creditor 's request to remove the inquiry, yet Equifax refuses to remove the unauthorized inquiry. The creditor verified the inaccuracy via recorded phone call and thus have written a letter to Equifax and the other XXXX major Bureaus and Equifax is the only one who will not remove the inquiry despite of the creditor 's request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: URS Holding, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This compa ny All Trans Financial is c alling at my work place. They do not want to give me any information. They just calling my job 's number but they do not have any information about a debt from this number. Then when I tell them to erase me from their list they say that they need my full name to do so. They are very rude and unprofessional. The lady that is calling me is  XXXX   XXXX . They do n't even know why are they calling. They can not find any records of collection from this number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I filed an Federal Trade Commission report and affidavit and police report of being a victim of identity theft, and all bureau 's except for equifax blocked the concerning information. XXXX continues to report on my credit report, although it was not reporting at one point. I do believe my attorney stated once something is removed it is illegal for it to be put back on, well it 's been put back on and I am tired of fighting with this. This is the last fraudulent account reporting and if they do n't remove it I am going to have to sue them because it is keeping me from living my life and moving on from the horrors of being a victim of identity theft. For them to come back and claim they investigated as if I did n't file all the paperwork which makes them by law have to remove the file and block it, is an absolute smack in the face and I am tired of it. Remove it now and MAYBE I wo n't sue for damages because it has kept me from getting a house now and a new car, and kept me from getting a job selling insurance! this is ridiculous to get something done with this bureau, all the other XXXX removed it with no problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Disputes have been removed from XXXX XXXX but not from Exquifax. How or when will they match or catch up? Do I need to repeat the process with each creditor?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: CORELOGIC INC
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several unauthorized hard inquiries on my credit reports from CREDCO. I was a victim of identity theft and these were not made by me.

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

Complaint:
I am a victim of identity theft and someone stole and used my personal information to open a fraudulent and unauthorized XXXX XXXX XXXX checking and savings account : XXXX, that do n't belong to me. I have never had or opened a XXXX XXXX XXXX checking or savings account. I have attached a police report and other documents to this complaint.

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 2022-09-07
Company: FIRST ADVANTAGE CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  completed a background check ( consumer report ) and there are 2 addresses in the report that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I used XXXX to make a transaction and didnt realize Wells Fargo doesnt protect their customers with scam XXXX transactions, Wells Fargo dismissed my claim, I want the scammers bank account investigated and to go to jail. I want my money back too. The scam happened on XX/XX/XXXX and I reported right away. Here is the scammer information XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting this debt on my credit report. I have requested validation and have not received anything to physically validate that I owe this debt or the amounts since the company has reported 3 different sets of amounts. 
On XX/XX/XXXX report the company showed balance owed {$10000.00}. Upon disputing this and requesting validation the balance then changed. 
On XX/XX/XXXX report the company showed balance owed {$850.00} After disputing this again and requesting validation for a second time the amount changed and it was not notated on my credit report that this account was being disputed. 
On XX/XX/XXXX report the company updated the balance owed to {$9800.00} and again this has not been updated to as disputed nor have any documentation been sent validating this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: CA
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 DID NOT AUTHORIZE THESE INQUIRES REPORTING ON MY CONSUMER REPORT. CAN YOU PLEASE INVESTIGATE AND CORRECT THESE ISSUES. 
I AM A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. INQUIRES : THE XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
After numerous attempts to have XXXX paid medical collections removed from my Equifax credit report due to FCRA violation XXXX XXXX XXXX Equifax is reporting the hospital in which my medical treatment was rendered. This is a violation of my protection. Equifax failed to provide me with documents proving I allow my medical records to be shared with the collection agency currently listed as the holder of the accounts. Being that Equifax is no longer allowed to request information on the accounts because the accounts are all paid, I have asked Equifax to remove this account from my credit report due to the violation. They have refused to do so. These accounts are not reporting on XXXX or XXXX. I am submitting a compliant to the CFPB to assist me with this matter.

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

Complaint:
There are XXXX liens showing up with Equifax which only list XXXX Release of tax lien XXXX {$23000.00} and XXXX XXXX same {$23000.00} different doc numbers and XXXX also list XXXX {$3100.00} These were a mistake that have been resolved, I even went to the court house. I explained that numerous times, XXXX removed all. What do I need to do so these XXXX agencies comply with the law. These were filed in error no tax liens existed on my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am writing to dispute the following information in my file. XXXX XXXX XXXX XXXX a mortgage company reported the sale of property as a Foreclosure which it was definitely not. It was an Agreed Settlement ( account paid in full for less then full balance ) to prevent/avoid foreclosure.

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 2020-03-29
Company: JPMORGAN CHASE & CO.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX of 2019 I Called Chase to get what they would take to pay off my dept. I then give this to XXXX XXXX to pay off and add to my refinance my load. I had my payments setup on auto, and they kept taking out payments. My dept should be payed in full but they kept taking payments so I have call them and call them and no resolve. They still say I am behind on payment. They keep charging me interest and late payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I opened an account with XXXX in XXXX of last year when I purchased multiple electronic devices including a new mobile phone and smartwatch. 

When I signed up for my account, I was advised that financing would be offered via XXXX. However, I always received an error when I tried browsing to that site. I was never provided clear instructions on how to make my payments, nor was I given fair notice that I was being delinquent and at risk of being reported. It was not until after a missed payment report to the credit bureaus was filed that I was finally contacted and advised to make payments via XXXX. 

I have called and emailed both XXXX and the TDBank-sponsored financiers regarding this issue and requested that they retract the delinquent report, but keep getting nowhere. My last call today basically told me they can not /will not help. My credit history had an impeccable record until this single, unfortunate incident, which has caused my average score to drop almost XXXX points.

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

Complaint:
I recently looked at my credit report ( XXXX, XXXX and XXXX ) and it indicates that I was 30-59 days late on my XXXX University loans in XXXX / XXXX 2016. 
I was not late. 
I would like to let it be known that I received the letter attached ( dated XXXX/XXXX/2016 ) from XXXX XXXX ' that clearly displays a quarterly amount due of {$560.00} ( quarterly payment due date : XXXX/XXXX/16 ). 
I would like to let it also be known that I logged in to XXXX, and made a payment of {$560.00} on XXXX/XXXX/2016 - which is the amount that was due, and which is the full amount that was indicated and reflected as due online at that time. My payment history in the last 12 months ( Attachment XXXX ) shows that I have been paying at least this amount every quarter. 
I have not received any written or verbal notification of change in my quarterly amount {$560.00} or my interest rate. I was not aware that a late fee would be assessed or was assessed since this was not reflected on XXXX on XXXX/XXXX/2016 when I made full payment. 
This incorrect record on my credit report has caused severe damage to my financial life, and I would like to request the credit bureau to immediately DELETE this record as it is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently checked my credit report and I noticed some inquiries from companies that I did not give consent to access my reports, I respectfully demand the removal of these unauthorized inquiries immediately to avoid any confusion as I did not give any form of consent, not written, electronically, in person or over the phone I am fully aware without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the F.C.R.A the following companies did not have permission to request my credit report # 1 ( XXXX XXXX XXXX on XXXX ) # 2 ( XXXX XXXX XXXX on XXXX ) # 3 ( XXXX XXXX XXXX on XXXX # 4 ( XXXX XXXX on XXXX ) # 5 ( XXXX XXXX on XXXX ).

Company response to consumer: Closed with explanation