BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-26
Company: EQUIFAX, 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:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for  accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX, account number XXXX 6. ) XXXX XXXX, account number XXXX ; 7. ) XXXX XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: PA
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:
Tried disputing a credit line that I did NOT open. I also have not ever had a history of using credit cards and someone managed to open a credit card and max it out completely in my name. 

My credit score completely bombed and it is now at the lowest its ever been. 

Upon trying to dispute and rectify this issue, the investigation only took a measly 2 days before results came back, suggesting they didn't investigate it as thoroughly as they should.

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 2017-04-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have sent disputes to the credit bureaus and they have failed to send me any kind of validation providing me with proof that the accounts actually belong to me. They have violated my right under the fcra to send me proof of all accounts listed on my credit report that were disputed. Instead they add comments to my report that the information meets fcra and when comment are added to my account they each drop m y credit score a s if they are punishing me for asking for them to send me proof of accounts disputing belonging to me.  XXXX  just again dropped  my credit score be cause I made on time payments and my balance decreased. I do n't know how this can be legal y our credit score should go up when balances decrease not when go down.    I recently disputed late payments from my student loans due to the fact the company knew I was in deferment but claim I never sent paper in when I called to verify it was received over a year ago only to still have them reporting negative information of late payments. When payment history was disputed fed l oan only agreed to remove two late payments and when this was updated my credit scores again decreased. Thanks for any help you can give. It is sad that these credit bureaus are getting away with false information and dropping someone 's credit score because they dispute negative information and for paying your bills on time.

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 2022-03-02
Company: JPMORGAN CHASE & CO.
State: FL
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 have six different credit inquiries from the same company ( JPMCB ), from which i do not have an account with. 
The dates are as follow XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-21
Company: Seterus, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We did a Deed in Lieu with Seterus, Inc in XXXX of this year. Since that time they have repeatedly altered the information reported to the credit agencies. First showing XXXX missed payments instead of the XXXX we actually missed. Following a complaint to the CFPB they removed that and a month later reported that we missed XXXX payments 6 months prior to Deed in Lieu when we had been paying on time. 
Seterus has also refused to provide a refund of ~ {$500.00} owed to us since 2012 when they mailed an escrow refund to us that was never delivered. I spent two years calling in and attempting to collect it only to be told I had to prove I did not cash the check in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX XXXX, XXXX Equifax Information Services LLC To Whom It May Concern : Thanks for the help in correcting some of the adverse information previously reported on my credit report. At the moment I still have some pending accounts, on my credit report, that still need to be fixed. This is why I 'm still disputing the following items : XXXX XXXX I strictly recommend you to start an investigation about the prior delinquency date, creditors name, opening date and type of this account, It seems inconsistent, so do so or simply remove it from my credit history. XXXX XXXX I truly believe that you are committing an error on the account type and status, examine this situation or erase this negative information XXXX XXXX Bank XXXX XXXX Verify and certify the accuracy of this late payment, I really do not know why it is here, so please do so and make the corrections as needed. XXXX XXXX I request from you the confirmation of this collection account, I believe it has been reported by mistake, if so please provide me the whole documentation about it, or otherwise just delete it. XXXX XXXX I know for sure that people make mistakes all the time, and I believe this is XXXX of this occasions, because I have found some late payments that I believe are being reported incorrectly, so expunge all and make it positive. XXXX XXXX This account have information that apparently is incorrect, please verify the status, late payments and terms, and erase them. XXXX XXXX Perform an investigation over this information, I have found somethings that I consider are inconsistent, like the account status, terms, and opening date, If I am correct please proceed to fix it. Incorrect Name XXXX XXXX XXXX Incorrect way to show my name, please remove it and update it to the XXXX appear on my id docs Navient XXXX The status, terms and multiple late payments reported here must be verified carefully, they are showing negative information that could be incorrect and that is hurting negatively my credit history XXXX XXXX Perform a real investigation over this payment history since I 'm not sure about the veracity of these multiple late payments that are showing here, I recommend you to eliminate them and correct the status of this account. XXXX XXXX XXXX XXXX There is a 30 days late payment that I earnestly think is incorrect, so please corroborate this information and fix it. University XXXX XXXX XXXX I feel the monthly payment amount, terms and status should be verified, because I understand they could be incorrect please do your job and correct it. I also need you to please send me the information of whom you contacted during the investigation. 
Great Day! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XXXX/XXXX/XXXX SSN : ***********

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I reviewed my credit report and discovered that XXXX pulled my credit. I never authorized this fraudulent inquiry. I demanded XXXX and equifax investigate this remove it from credit report. However neither has done anything to assist me. I am attaching certified letters i mailed out to both advising them the information provided was unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been disputing the fraud information and sending in all the information requested and nothing has been done. I have sent in all the information more then enough times, and the company keeps sending me the same message asking me the same things over again. I have been treated rudely by the wokers about this matter. I have paid off all of my debt in 2013 with a home loan and should not have anything negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: WI
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 Account # 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 In accordance with the Fair Credit Reporting act XXXX  Account # 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 In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX  Account # 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 In accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-01-21
Company: Maximus Education, LLC dba Aidvantage
State: CT
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: Was not notified of investigation status or results

Complaint:
Never Paid Late. ( DEPT OF ED/XXXX XXXX Balance : {$2500.00} ) ( DEPT OF ED/XXXX  XXXX Balance : {$4400.00} ; ) The records reflect a 90/120 without preceding 30, 60 days. This is a massive error. Investigate all records closely. According to FCRA 611 we need to make sure that you are reporting a 100 % accurate in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: EQUIFAX, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Had several mortgage loans change servicers outside of my control. The change in servicing companies is reflected in my credit reports. The problem is that these all now appear as new lines of credit, substantially lowering my average account age and therefore lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I can not dispute with Equifax , all of their verification questions do not apply to me and I will NOT send my ss card and id to a random number. When i called I got a rep that barely spoke english and could not verify my identity either. They keep insisting on sending my ss card, id, birth certificate, etc to that fax number. That just seems like they are trying to steal my identity! After reading the XXXX complaints, I see I am not the only one with these issues! Please do something about this company! I am scared to say there is a serious problem with the company that is in charge of dealing with my credit! PLEASE please please do something about them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : XXXX XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report TransUnion XXXX XXXX XXXX XXXX XXXX IL XXXX OR XXXX XXXX XXXX XXXX XXXX PA XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX for five years and I have never lived in these addresses reported on my FICO report and incorrect names places on my credit report as well. Please consider this a formal request to investigate and correct the following ( 3 ) inaccurate addresses on my credit report issued by your agency and ( 4 ) different names thats fraudulently not mines. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses/ Names listed below : 1. XXXX XXXX XXXX XXXXXXXX XXXX GA, XXXX Address ID # XXXX Multifamily 2. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX Single family 3. XXXX XXXX XXXX XXXX XXXX NY, XXXX Address ID # XXXX Single family 4. XXXX XXXX XXXX Name ID # XXXX XXXX. XXXX XXXX Name ID # XXXX XXXX. XXXX XXXX XXXX Name ID # XXXX XXXX. XXXX XXXX Name ID # XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

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 2022-03-01
Company: JPMORGAN CHASE & CO.
State: MI
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:
I hold two credit cards with JPMCB. But three cards appear on my credit report. I phoned JPMCB to inquire, and they confirmed that there was a third card, with middle digits XXXX which was being used by someone else, who either has my same name or was abusing my name. 

The representative at JPMCB explained that sometimes a card registers to a person with the same name can be assigned to the wrong credit report. In this case, he stated that he would issue a letter to each of the credit reporting agencies and notify them of the error and have that card removed from my credit report. 

This can take up to 7-10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Following the fact that my prior CFPB case number XXXX resulted in information that the company XXXX XXXX XXXX conducted a hard pull of my Equifax credit report, after the CFPB case closed that I am not a customer of XXXX XXXX XXXX, I was informed to call them at a number that they provided to CFPB in my reply. When I call this number, I am not able to reach a representative. As a result, I decided to file an inquiry dispute with Equifax and the result of the inquiry was that inquiries are factual records of file access and they closed the dispute. They told me to contact XXXX XXXX XXXX once again and they direct me to call either the Department of Education ( which I have done via the Ombudsman and have received no reply ) or my university ( which has no knowledge of XXXX XXXX XXXX ). I am unsure how to proceed because I have no knowledge of authorizing XXXX XXXX XXXX to authorize a hard pull on my Equifax credit report, Equifax did not accept my dispute, and there is no one to reach at XXXX. Ideally, I want the XXXX XXXX XXXX hard pull inquiry removed from my credit report unless it can be proven that I authorized such a request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2022 I went to XXXX to get my TransUnion credit report. Everything processed properly and my report displayed. But when I tried to download it ( clicking the indicated button ), it took me to a PRINT screen, not a DOWNLOAD screen. I did not want to print ... I wanted to download ( as I have in the past ). I closed the PRINT screen and tried to use the online FAQs to find out how to download. There was no information in the FAQs on downloading. Then TransUnion DID NOT PROVIDE A " BACK '' OR " RETURN TO REPORT '' button, and when I tried to go back, TransUnion SHUT ME OUT AND RETURNED ME TO THE ORIGINAL SIGN-IN PAGE. When I tried to sign in again, I got the message that the report was already provided and I could not get it again. It was NOT provided and I do NOT have it and TransUnion does NOT show a way to download it. I tried contacting TransUnion directly online and got no reply.

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 2017-04-26
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: Was not notified of investigation status or results

Complaint:
I have sent disputes to the credit bureaus and they have failed to send me any kind of validation providing me with proof that the accounts actually belong to me. They have violated my right under the fcra to send me proof of all accounts listed on my credit report that were disputed. Instead they add comments to my report that the information meets fcra and when comment are added to my account they each drop m y credit score as i f they are punishing me for asking for them to send me proof of accounts disputing belonging to me.  XXXX  just again dropped my  credit score be cause I made on time payments and my balance decreased. I do n't know how this can be legal you r credit score shou ld go up when balances decrease not when go down.   I recently disputed late payments from my student loans due to the fact the company knew I was in deferment but claim I never sent paper in when I called to verify it was received over a year ago only to still have them reporting negative information of late payments. When payment history was disputed fed loan only agreed to remo ve two late  payments and when this was updated my credit scores again decreased. Thanks for any help you can give. It is sad that these credit bureaus are getting away with false information and dropping someone 's  credit score bec ause they dispute negative information and for paying your bills on time.

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 2017-04-26
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
Hard inquires that I did not authorize and that ca n't be verified specifically. Student loan that is showing up has duplicates and reporting negative (   XXXX   ). Incorrect address (  XXXX   XXXX   XXXX   XXXX   ).   XXXX  revolving account  XXXX   XXXX   XXXX  and  XXXX  credit card. Also, a incorrect name  XXXX   XXXX . I 've been given the run around about these issues and never a direct answer or verification of the list of items mentioned.

Company response to consumer: Closed with explanation