BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I filing this complaint IN regards to the situation evaluated and it were once deleted several times and place back on my Credit file at least three times .One of the issues IS THE status Judgement with XXXX XXXX XXXX XXXX XXXX car dealership, and the all the reporting Cable Companies, due to no contacts sign and FALSE information. The XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Companies. These Companies does n't have t he right to put any files without a sign contacts or the HIGH EXPENSE amount they say, I owe them. 'Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-01-23
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I called and told them I was on bankruptcy to call my attorney then I called them again to tell them I was discharged and they still wont remove please help there XXXX accounts first XXXX is XXXX subcode XXXX SECOND IS XXXX SUBCODE XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Disputed the XXXX bankruptcies showing on my report. Equifax deleted the XXXX bankruptcies and later the same day placed them back onto my report. No five day notice received informing me of the lines being added back to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My complaint is against the Service Debt Collector - Seterus Inc. Seterus has been servicing my loan for more than 10 years at 6.125 %. This property is located at XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX, is no longer my primary residence. My family and I have moved out of state and the property is now deemed income property and is occupied by a tenant. In early XXXX of this year I entered into discussions with a mortgage lender regarding HARP refinancing for this property. However, I was informed that prior to proceeding with the refinancing process ( which I pre-qualified for ) XXXX records related to my Private Mortgage Insurance ( PMI ) status needs to be updated. After contacting XXXX, I was informed that Seterus Inc. has to submit this request - ca n't not be requested by the loan recipient. Subsequently, I XXXX contacted Seterus Inc. on XXXX XXXX, 2015 ( see the attached complaint letter ) with no success. Seterus ' representatives have failed to return multiple calls or offer any explanation to the status of my request. I have not been required to pay PMI for years ( see the attached IRS Form 1098 ). I strongly feel that Seterus is deliberately ignoring my request due to the fact that the loan will be transferred to another lender. If my assumption is correct, worst case their practice is unethical ( if not illegal ) and consumer infringement. Best case, they have an extremely poor infrastructure upon which to address customers ' needs. After conducting further research, I was not overly surprised to find out that Seterus has been cited in a number of consumer complaints. I would greatly appreciate your assistance with getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-24
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I have been trying to get a freeze on my report lifted from Equifax for 3 weeks, I had no problem getting the lifted with the other XXXX agencies. Equifax has refused to let me lift it online where I placed the freeze, they have given me the run around when I call, telling me to call back in 1 hr because they ca n't help me because they are doing a system update, when I call back later they tell me the same thing - they are having a system update and can not help me. I am so frustrated I want to scream. They have also refused to give me my free annual credit report. They have caused me significant distress and problems as I have been unable to obtain utility services for my XXXX residence because of their refusal to lift the freeze. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In XX/XX/2013, I disputed an account that was reflecting on my credit report with XXXX and also XXXX. I also sent a request for validation directly to the collection agency. Soon after, the account was removed from both XXXX and XXXX credit reports. 

After checking my credit recently, I noticed this account has reappeared on my credit report, specifically it is reporting now on my Equifax credit report under another agency. I have tried contacting the bureaus directly, Monday XXXX XXXX regarding the removal of this account but have not received correct information to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$76.00} ; XXXX  XXXX XXXX Balance : {$25.00}

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 2016-06-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
How many times do I have to tell the special people at Equifax that I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX, that IS A LAWYERS OFFICE AND NOT RESEDENTIAL. That proves right there that XXXX XXXX XXXX account is not mine. Also, I was told on XXXX XXXX that nothing was ever reported to you, more holes are opening in your story then there are holes in city streets. I also want to know why XXXX XXXX XXXX told me the account was closed in XX/XX/XXXX and you said XX/XX/XXXX, how are you people allowed to even be in this business? Next, as of XXXX XXXX, XXXX XXXX has told me they never communicated with you, funny how they will verify information to you and not me. Next, XXXX XXXX XXXX should have never and should never be reported as it is not mine and was discharged in settlement. Lastly, XXXX XXXX XXXX has informed me that they have requested their information be removed from my report due to a pending lawsuit against their client that they did not want to be involved with so why is Equifax keeping them up there. I want to repeat this one point again, I HAVE NEVER LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX, THAT IS A LAWYERS OFFICE AND NOT ZONED RESIDENTIAL!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX credit inquires on credit not getting resolved. My XXXX from me on XXXX XXXX and again multiple times on XXXX XXXX. I have calledthe companies multiples times to have them send over the request tocredit bureaus to take inquires off my credit because the companiesfound it to be fraud right away. I have sent all my paper work in everyoneneeded, disputed the inquires online with credit bureaus. The other XXXX bureaus have taken action and fixed the problem expect Equifax, Inc. They keep telling me they are not receiving any request fromcompanies. As of today XXXX XXXX still saying same thing. Need doneASAP past my time frame, ruining my life, and causing emotional stressit 's causing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing to file an official complaint with your agency about my mortgage servicer ( Seterus Inc. for my XXXX owned mortgage ) for what I believe to be : A.Violation of Federal Mortgage Servicing Rules As They Relate To Loss Mitigation Procedures. and ; B. Violating Federal Laws as they relate to responding to 'Qualified Written Requests as defined in RESPA , 12 U.S.C. 2605 ( e ) ( 1 ) ( B ). 

I believe that Seterus Inc may be in Violation of Federal Mortgage Servicing Rules As They Relate To Loss Mitigation Procedures for the following reasons : On XXXX XXXX, 2016 I sent a fax requesting loss mitigation/hardship assistance was sent to Seterus, Inc. to which I received no response ; on XXXX XXXX, 2016 I sent a follow-up fax to the XXXX XXXX, 2016 fax requesting loss mitigation/hardship assistance to Seterus, Inc. due to their failure to respond to my XXXX XXXX, 2016 request. To date it has been 43 Days since my first request for assistance on XXXX XXXX, 2016. 

With respect to my second allegation, I believe that Seterus Inc may be in violation of Violating Federal Laws as they relate to responding to 'Qualified Written Requests as defined in RESPA , 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) for the following reason : On XXXX XXXX, 2016 I sent what is deemed to be a 'Qualified Written Request - QWR ' to Seterus, Inc via facsimile to which they never responded or provided me with the information requested. 

Note : Copies of all relevant back up documentation are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are several accounts that have been re aged on my credit file. My issues were a long time ago and past 7 years and still listed. Is n't this against the law. I have disputed several times and I do not get a response back. Please assist me in this. 
XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX. XXXX XXXX # XXXX, XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Dear sir/madam, First I would like to thank you, my previous issues were resolved because of your advocacy. 
As I am rebuilding my credit, I am watching my credit reports closely now. Please see pages XXXX, XXXX and XXXX. Page XXXX for example : XXXX ; XXXX reported " Debt included in or discharged through Bankruptcy Chapter XXXX, XXXX or XXXX '' -last reported XX/XX/XXXX. EQUIFAX and XXXX also reported " included in BK '' but last report date is XXXX. 
My question is : Are credit bureaus mandated to do additional reporting after the bankruptcy filing date? ( restating the same facts! ). 
Please advise ; I will write a complaint directly to the respective credit bureau if what they are doing does not conform with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Came up with page saying : " Online Delivery Unavailable - Mail in Request We 're sorry, for your protection we are unable to deliver your Equifax Free Annual Credit Report online. '' I have a time sensitive issue ( fraud ) and can not wait 3 weeks for them to get me my report. Equifax would not help me or give me a way to see my free report and I could not get a real person to talk to about the problem at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-09
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
STILL DO NOT HAVE AN UPDATED-CORRECTED CREDIT REPORT. I have been going online trying to dispute and remove old items ... still a real problem. 
Last Credit Report I received was dated XXXX/XXXX/2014. 
PLEASE CORRECT : 1. XXXX- # XXXX-Old account-was transferred and re financed.-REMOVE 2. XXXX- # XXXX-old 10 years old paid and closed REMOVE 3. XXXX- # XXXX-Over 10 years old-REMOVE 4. XXXX XXXX XXXX # XXXX-same account as # XXXX above XXXX-REMOVE 5. XXXX Auto-Paid and closed-10 years old OLD REMOVE 6. XXXX- # XXXX-Paid and closed-old 10 years old REMOVE 7. XXXX- # XXXX-paid and closed-old 10 years old-REMOVE 8. XXXX XXXX # XXXX-Paid and closed-Old-10 years old REMOVE 9. XXXX XXXX XXXX # XXXX-Paid and closed-old 10 years old REMOVE 10. XXXX XXXX XXXX # XXXX-Paid and closed-10 years old REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
**This is n't a duplicate request please read as I have loaded supporting documentation**I was advised incorrectly from the creditor that my credit report would delete the derogatory marks after six months. However the information was incorrect, it was actually 9 months. The nine months have passed but no updates to all XXXX credit reporting bureaus. To delete the inappropriate marks on my credit report in a timely fashion because the XXXX advised the update was sent on XXXX/XXXX/15.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of ID theft, my identity and account information was stolen and used fraudulently to obtain new accounts and incur fraudulent charges on open accounts by someone I suspected. In XX/XX/XXXX I reported this matter to the Federal Trade Commission and the Police Department, both of who declared me a victim of ID theft. I forwarded my ID theft packet to the XXXX bureaus in XX/XX/XXXX 's correspondence dated XX/XX/2016, under FCRA 605B ( 15 U.S.C. 1681c-2 ) which states that bureaus are to block all fraudulent items within 4 days of receiving a ID theft report. XXXX of the bureaus duly complied and blocked the information within 4 business days. However your bureau instead treated my case as a regular dispute and put my file through the 30 day dispute investigation process and thereby you refused to accept my ID theft report and refused to block the information. This is a blatant violation of my rights FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX A Account Number : XXXX ; XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2016-02-15
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax continues to show on our credit reports XXXX Chapter XXXX bankruptcy filings from XX/XX/XXXX and XX/XX/XXXX as if they are still active Bankruptcies, despite XXXX complaints and proof that both bankruptcies were filed well over 7 years ago and should have been removed in XX/XX/XXXX and XX/XX/XXXX respectively. See attached rules for removal of Bankruptcies from credit reports and latest incorrect response from Equifax. This incorrect reporting is badly harming my credit.

Company response to consumer: Closed with explanation