BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On the XXXX Mortgage Account, there should be a comment/status that when the mortgage was adjusted under the HAMP program, THE LATE PAYMENTS ARE NOT ACTUALLY LATE, but a direct result of paying the LOWERED MONTHLY PAYMENT ON TIME and NOT paying the original coupon amount. THERE IS NO WAY TO AVOID THIS due to the way the bank/program is set up. 
On the XXXX Account : It should NOT be included in AVAILABLE CREDIT or CREDIT USAGE. It has been CLOSED for YEARS! It 's counting against me in several categories.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Continue to have issues with Equifax credit reporting service removing and then replacing collections on my report. XXXX XXXX removed both collections from XXXX and XXXX from all XXXX credit reports. Equifax removed the accounts, then placed them back. Each time they do this, it hurts my credit score. Equifax continues to not fix errors on reports, and when they do, they turn around and place the information back on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus Inc, whom represents XXXX as a servicer has charged charged me for 11 days of undue interest and has witheld a payment of apx {$72000.00} in overpayment to payoff my loan due their " internal processing time of 30 days. '' Additionally not paying me the interest on 7.25 % on use of those funds

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I would like to reiterate to both the CFPB an dot EQUIFAX that A ) XXXX Loss and B ) XXXX XXXX Bank have had NO activity/and or Payments from 2008! They refuse to adhere to the law and remove these XXXX accounts. I have bought these XXXX accounts to XXXX and XXXX and they have both REMOVED them due to their 7 year NO activity policy. That is in inc with FCRA law. The accounts have been reporting to my credit report for over 9 years now and they refuse to delete them for some strange reason. EQUIFAX HAS INFURIATED ME BY REMOVING ALLLLLLL PAYMENT HISTORY so that anything i saw or claim can not be verify. It is plane, according to my credit monitoring that BOTH of these accounts have HAD XXXX payments made in over & YEARS! How is is that they are legally still reporting it. 
I DO NOT WANT TO BE TOLD TO STAND DOWN ON XXXX XXXX ACCOUNTS ANY LONGER! I have found that Equifax is very inaccurate in the way that they report my information and i have spent the last year fighting every little detail i can fine. 
XXXX XXXX & XXXX are illegally reporting to my credit report. They must be deleted!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-17
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The state of Louisiana as inaccurate information on my credit report. They are showing that I have never made a payment and that I have been in child support since XXXX. I was placed on child support in XXXX and have made regular payments. Please remove this from my credit report it is in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The reason for my complaint is a certain account has been " re aged '' on my credit profile with Equifax. The uploaded filed below will show detailed information of my findings. In report confirmation # XXXX labeled XXXX it shows the date of first delinquency as XXXX. On XXXX/XXXX/XXXX the file was deleted from my credit report Equifax confirmation # XXXX labeled XXXX. On the file labeled XXXX, the dispute response it was reported as XXXX as the date of first delinquency. Lastly on my reason for initiating the dispute was that on XXXX/XXXX/XXXX the date of first delinquency is reported as XXXX on file labeled XXXX. After speaking with a supervisor at Equifax I was told to call XXXX where a person named XXXX, who 's identity can only be verified to me as the only XXXX in the recovery department rudely explained my date of first delinquency that he can see is in XXXX of XXXX. I then called Equifax back who after escalating the call multiple times explained that it is okay because it will now fall off in XXXX. She was kind and later explained to file a complaint with the Federal state commission and forwarded me to your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Medical bill from XXXX years ago was just posted to my credit report this month. I have no way to dispute this account because my personal records and bank records only go back XXXX months. How can someone wait XXXX years to report an unpaid bill and only be required to provide my name, SSN, and address, effectively putting the burden on me to prove I did pay or that the account is not mine?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
this accounts was disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Certified letter was received on XX/XX/XXXX, return receipt in attachment investigation still in process takes more than 30 days, no any answers

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have tried to remove this state tax lien which has been paid and released and the credit bureau would not remove it. So, I request the assistance of the Consumer Financial Protection Bureau to remove such derogatory mark that is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried getting my free annual report from Equifax XXXX. They XXXX claim I already received my free annual report, Equifax stating it was on XXXX/XXXX/15. I have NEVER filled out a form nor went on line or called for this. I am having issues with 3 retail credit cards that are unfounded, so am trying to see the report. When I tried to sign in to the credit reports, they stated I had no account. So how could I have previously applied for it? I feel I am getting scammed, and do n't know where to turn from here. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this compliant because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: EQUIFAX, INC.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Equifax continues to list a " Public Record '' of XXXX from XXXX County Magistrate. I have provided them copies of latest judgement in response to XXXX of which I won and the debt was dismissed. This should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was the victim of ID Theft on XXXX XXXX, XXXX. The FTC Complaint form, police report and all ID Documents were sent to the loan company, and they agreed to remove the Hard Inquiry from my Equifax report. This has NOT been done. I have made countless calls to the XXXX XXXX XXXX, and Equifax with no results. XXXX XXXX has insisted they have done the electronic update twice, per Equifax instructions. Equifax has insisted they have not done this. The other loan companies and credit reporting agencies have cooperated fully, and quickly. The hard inquiries were removed by late XXXX of XXXX. This is the lone problem on any of my reports, and it needs to be resolved. I have decided the only way to expedite this action is to file a complaint with both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I tried to dispute this error with XXXX and Equifax but they keep shutting my down online with statements about getting a credit report but they wo n't issue it online. The problem lies with the credit reporting agencies ( CRAs ) allowing a junk debt buyer to report accounts under the regular account column versus in the collection account column. There have been numerous complaints about the CRAs and XXXX XXXX XXXX doing this. I just checked my report that I obtained from another source and They are still reporting as a factoring company instead of a junk debt buyer. This has taken a tremendous hit on my credit scores by them reporting this way and I have been denied credit opportunities as a result. The CRAs will not stop them and do not thouroughly investigate the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I initiated a couple disputes with this credit bureau starting in XXXX to try and get some inaccuracies corrected. As of this date those account are still not fixed. The bureau claimed to have verified however I know that 's not true b/c the creditor has n't verified with me and i 'm the one that is the alleged debtor. My complaint is that this credit bureau did n't update my credit accounts in question and for not completing a full investigation into the matter. These are the accounts I 've disputed : XXXX XXXX XXXX ) paid off, XXXX XXXX XXXX ) paid off, XXXX ( XXXX ) paid off & was not more then 60 days past due in the last 8 months, XXXX ( XXXX XXXX paid off & was not more then 60 days past due in the last 8 months. 

Im hoping you can help b/c the bureaus clearly dont care about me or my credit atleast thats how i feel.

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 2016-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have filed direct disputes on XXXX XXXX with both credit reporting agencies. Transunion has completed their investigating and their idea of a resolution, was to do nothing I am very unhappy with this because I have worked hard to arrange payment plans with my collections and I want it to reflect in my credit score!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
i went to court and evicted a young man from my rental house. XXXX XXXX XXXX awarded me a judgement against the young man. Trans union reflects it in reverse showing the judgement as being against me. this created a major hit against me rather than the young an who owes me money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX XXXX I disputed account # XXXX from creditors XXXX and XXXX XXXX in the amount of {$730.00}. Transunion completed the investigation and updated my report with the result of the account belonging to me in XXXX XXXX. I have contacted Transunion, XXXX, and XXXX XXXX concerning the details of account # XXXX and how it supposedly belongs to me. The account does not belong to me and it has plagued my credit report for several years. I spoke with Transunion 's customer service concerning the investigation process because the account does not belong to me and I have never received any billing for this account. Transunion customer service explained that they contacted the creditor through XXXX and XXXX XXXX responded that the debt belonged to me but outside of that they were unaware of any investigation or how the information allegedly belonged to me. Transunion continues to report the creditor and the negative information but there has been no reasonable investigation to confirm the account belongs to me. Between XXXX to XXXX XXXX XXXX negatively reported an account in a similar amount that did not belong to me. I had the account and XXXX XXXX removed from my credit reports but it appears that they have re-aged fraudulent debt and used a different account number in order to collect on a debt that does not belong to me. 
Transunion also reports account # XXXX from XXXX XXXX XXXX in the amount of {$900.00}. I contacted the creditor and based on my conversation with the creditor debt belongs to a male in XXXX Tn at address XXXX XXXX XXXX. The debt does not belong to me I am a single unmarried female living in Georgia. XXXX XXXX XXXX admitted that they only have partial information and the services rendered for the account belong to man. 
Transunion also reports account # XXXX from XXXX XXXX in the amount of {$1300.00}. This debt and creditor has also been regularly reporting negative information which also belongs to a resident at XXXX XXXX XXXX XXXX Tn. 
These accounts have some how been transposed to my credit but none of these accounts belong to me and no reasonable investigation has been completed by Transunion or these alleged creditors to assert that these debts belong to me. I want these creditors and debts removed from report. I would like Transunion to conduct a reasonable investigation instead of just taking the word of creditors through XXXX. My credit has suffered significantly due to the Transunion 's failure to conduct a reasonable investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I attempted to dispute an entry on my credit report with Transunion. The entry does not belong to me. I ca n't " prove a negative '' to get the entry removed. (?? ) " XXXX '' is the Customer Punishment Representative at Transunion who spoke to me. He refused to begin the dispute process for me, and told me that Transunion does not fix their errors. I asked for evidence that the entry is valid, and XXXX told me that was not Transunion 's problem.

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 2016-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent a certified letter to all XXXX credit agencies about deleting hard inquiries. Several hard inquiries on my reports were not requested by me. TransUnion, XXXX and XXXX are refusing to delete them. There are only a few inquiries on my report that are legit inquiries. Please remove the information off my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I checked my TransUnion credit report and noticed a collection being reported that was'nt mine, so I sent a certified letter to the collection agency 's address listed on my credit report for validation. The certified letter came back from the USPS, stating that they were unable to forward the letter. I then sent a copy of the returned envelope to TransUnion, asking them to remove the collection off of my credit report because the collection agency is reporting incorrect information. TransUnion sent me a letter back stating that it was verified ''?????? even after I had sent them solid proof.

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 2016-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have been trying to get my credit report from tranunion online for over three months, I have spent in excess of 20 hours on the phone with them. I keep getting an error saying they ca n't access my account with the information supplied, it does not ask for any information just ask me to log in, I have verferd the correct address is on file with them my name is spelled right. Trans union keeps saying try in 24 hours yesterday they said someone would call me within 24 hours and no one every did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have sent in an Affidavit of Identity Theft back in XXXX 2015 to all three bureaus. XXXX has deleted the Public Records off but TransUnion and XXXX have n't, claiming it was verified, which is a boldface lie. Besides the public records, there where several fraudulently accounts open using either, my name, social security number and addresses that I did not live at, during the past several years. I 'm just becoming aware that I can fight and get these items removed because it was fraud. Even during the investigation someone tried to get cable service under my name in another state and I filed a police report immediately, when I receive a copy of the report from MN Police Dept, I faxed it in to all the bureaus, to show that even during an investigation of identity theft, someone was trying to open account yet again. Still no change with the removal of these adverse accounts of public records, cell phone carrier accounts and bank accounts continue to remain on my report. Faxed in all the required documents and with all that no change on TransUnion and XXXX part, if anything its been a nightmare being a victim of identity theft and then having to fight with bureaus is just insane. Then they keep adding additional things on my report, like where are you getting this information from? I 'm fighting to get things off and they keep adding thing. Then have the audacity to purchase their credit monitoring service, why would I purchase something and your reporting fraudulently items on my report? I have also requested removal of any other addresses and phone numbers, constantly told they will and to no avail additional phone numbers and addresses remain. Just want XXXX address and contact number, that 's it. How hard is it to do that? Its been an on going cycle since XX/XX/XXXX and I 'm just fed and ready to take legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter for Rausch Sturm Attorneys at Law, located in XXXX Wisconsin. They were notifying me of a debt owed to XXXX student loans. I am disputing the amount and want to request more information but they have not returned any of my phone calls/voicemails. I did some research on the company and they have been a part of several lawsuits for deceptive practices and trying to revive old debts. Clearly they are a shady company and this is ridiculous they are allowed to handle this. I can not afford the debt amount and will need to work with someone to make an arrangement that works for me, however they refuse to answer me and they are doing it on purpose so the 30 days runs out. They write this is an attempt to amicably resolve the debt but its not because they are not responsive. These companies are snakes and look to hurt people. I want this removed as a debt and this better not make it to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation