BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been requesting verification of the following account that Equifax continues to report on my credit file : Wage Earner Plan/Bankruptcy # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XXXX XXXX, XXXX. 
On Thursday, XXXX XXXX, XXXX I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with agent and she informed me that a security freeze was placed on my consumer file # XXXX as of XXXX XXXX, XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. 
On Thursday, XXXX XXXX, XXXX, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with an agent and she also advised me that my security freeze was confirmed and set into place as of XXXX XXXX, XXXX. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX credit file. She also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XXXX XXXX, XXXX. 
I demand that this public record Wage Earner Plan/Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifax so-called " verification '' on XXXX XXXX, XXXX WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMER FILE HAD A SECURITY FREEZE IN PLACE DATED XXXX/XXXX/XXXX. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : Wage Earner Plan # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. 
I demand and request this public record : Wage Earner Plan/Bankruptcy # XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. XXXX XXXX XXXX agents assured me that Equifax 's XXXX XXXX, XXXX " reported date '' and " verification date '' DID NOT come from Lexis Nexis because they DO NOT disclose information on accounts with a security freeze placed on them. Please help! 
_______________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I tried to refinance my home loan with Quicken - not only to reduce my payment, but also to consolidate a first and second lien. Considering their rating on XXXX and how they actively market how great a customer experience they deliver, I thought I could not go wrong. I provided all the requisite documents needed quickly, and they were responsive. Strangely, just before I was supposed to receive the Appraisal, I received a revised loan estimate with a higher rate. I did n't think anything of it, until I received my Appraisal for significantly less that anticipated. To note, their Appraisal came in at {$690000.00}, while third-party sites like XXXX provided a private estimate of over {$820000.00}. I asked Quicken to go back and take another look, providing other more relevant comps than the ones used. They also missed relevant items like lake views, while in one comp they stated lakefront, but it did n't have access to the lake across the street from me ( a simple check of public record would have isolated that fact ). Quicken came back to me with no change in valuation. I asked my Mortgage Banker why the change in the Loan Estimate and he stated that the higher rate was due to the lower valuation ; I took that as I could still refinance, but just at 50 bps more on the rate. A different person - a Solutions Consultant? - came back to me and said that it was published in error, and that I had to make up the difference in LTV if I wanted to refinance. This was an approx. {$100000.00} payment. Not only was this experience terrible, but I was given inaccurate information setting a false expectation, and pertinent details were excluded from my valuation, which impacted my ability to refinance the loan and improve my financial condition. I feel like Quicken put in the low valuation because my wife has some credit card debt and they did n't want to deal with it even though she was not going to be on the loan. The one positive was that their executive office people were responsive once it was escalated to that level, but I feel like Quicken, outside of having me pay down my mortgage by {$100000.00}, was not their to offer me counsel around options. Also, as I did not agree with the valuation, I asked if they would give me back the Good Faith Funds. They said no right off the bat, without even hearing me out. Now I have no refi 'd loan and am out {$500.00}. Just terrible all around. Shame on you Quicken for taking advantage of people like that. I gave you the Good Faith Funds in good faith I would get a refinanced loan, not to compensate you for your poor choice of Appraisers who do n't know how to do their job effectively!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I signed up with student loan relief to reduce my student loan payment and I have been paying {$46.00} a month for a very long time. I was told that {$10.00} a month would be going towards my principal and the rest was the fee to pay the company for the service. I believe that they altered my information with the federal loan servicing. I was not aware that nothing was being paid and now my loan is in collections. I was never contacted because my personal information was changed somehow. I had no idea my loan was in default. Every month, the money was taken from my account. I was a victim to their scam. I want others to be aware that student loan relief is not legit. I have tried to call this company several times, with no response. I am always told, no one is available.

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 2015-08-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed the Equifax credit report over two months ago and never received a response from them. I quoted the Fair Credit Reporting Act issue to them and they have not replied and continue the negative credit report. Attached are documents they have received. I have certified mail verifying that they received the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My wallet was stolen XX/XX/2005. My I.D . and social security card were in it. Since then collection bills, installment loans, and credit inquiries are now showing up on my credit report and I have to dispute them directly with the credit bureaus. I have had no success in having these items removed from my report so far. I am requesting that a further investigation into these claims against me be looked into by the consumer financial protection bureau. To protect my rights as a borrower, and to exercise my rights into the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had XXXX hospital bills that were on my credit report for {$11.00} & {$15.00} and I should have never even been billed for these charges but it was easier to pay them then to dispute them. The charges were paid and all of the credit reporting agencies except Equifax had removed the negative credit after the charges were paid. Equifax 's system of reporting something does n't work and they want you to purchase their credit protection services so you can get items corrected on your report. I want my credit report updated properly and if Equifax can do what they want, to try and coerce people into purchasing their products, then they should n't be involved in the credit reporting business. What they are doing should be illegal and probably is. I would like to have my credit report removed from Equifax 's services. I should n't have to use a corrupt credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX 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 2015-06-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The following XXXX accounts were not properly investigated by Equifax and they remain inaccurate and illegally reported to my file. XXXX XXXX # XXXX and XXXX XXXX # XXXX were not properly investigated and I was not given ANY proof or evidence of any reinvestigation that resulted in these items being verified. They are not verifiable and are still inaccurate and contain incorrect information within the reporting. Equifax should not be allowed to report them to my file as the inaccuracies are affecting me financially. I requested absolutely any evidence to be shared with me regarding their investigative duties and i fear that nothing was ever done to properly verify these items because they remain incorrect and i still have not received any documentation or procedures to show any sign of a reinvestigation. I have contacted the furnishers and they have assured me that no one has contacted them to conduct a reinvestigation on the accuracy or completeness of these XXXX accounts. i have spent so much money corresponding with them via certified mail and they continue to give me no answer and no proof. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I attended XXXX college in XXXX California XX/XX/XXXX-XX/XX/XXXX upon enrolling I was told that i would n't have to pay anything until after i graduated ; however, some time later i got called into the financial aid office telling me that my loan was n't gon na cover all of my tuition. They made me take out a " Genesis '' loan and told me i would have to make payments while i was at school or they would n't allow me to continue. Some time later after the closure and lawsuit of corinthians I get a letter in the mail saying my " Genesis '' loan was being moved to another company called XXXX. I was told that i would have to pay this no matter what.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian has been committing fraud for as long as they have been established. Numerous inaccuracies on my account. They 've done nothing to rectify my situation. I have disputed numerous times with them, and they do nothing regardless of the fraud listed within the report. Experian needs to remove anything negative from my account as I have flawless payment history and I should have perfect credit. Unfortunately, due to their inept employees, outdated Infrastructure exposing them to security vulnerabilities and lackadaisical attitude when it comes to customer service, nothing has been done. 

Remove inaccuracies and make sure to re-list a positive account that was closed that I never stated to remove. There was a citi credit card that I had a positive history with. FCRA regulations state that a positive line of credit can maintain for up to 10 years and it has n't even been 5 years yet.

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 2022-08-03
Company: Experian Information Solutions Inc.
State: VA
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 had requested the company to do an investigation on an account wrongfully reported on my file and requested a copy of the investigation, they only sent me a letter stating the account was validated but provided no proof of how it was validated. 
I sent another request to provide proof of the investigation and to remove the account from my file, again they sent me a letter stating the account was validated and updated my report stating I refused their validation.

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 2016-10-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
This address is listed in my persoanl information as me living there.I have never lived at this address : XXXX XXXX XXXX XXXX XXXX, NC XXXX I have lived at XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
For the pass 2 years my wife and I have been applying to modify our loan with XXXX XXXX XXXX and Seterus. We were only 2 months behind in XXXX 2014 with XXXX XXXX XXXX and they would not except them because I was 2 weeks late on my third payment. That 's when I ask them for help with the mortgage. After filling out XXXX modification packages with no results, now they passed the loan service to Seterus. I 've filled out another loan modification package with them. We feel we 're getting the round a round again. We are sick of this abuse with these banks who we bailed out, now they think they are high an mighty that they can waste our time and tax dollars by giving us the run around and not help us. My wife is not able to work due to being hit by a car 7 years ago. She has a broken back and is still not able to work due lots of pain with movement. I was lay off from XXXX XXXX government job that I 've worked for 7 years. It has not been easy trying to find any job these days. That 's why we 've been asking for help with the modification of our home mortgage so far no help. The house is in foreclosure and my wife Social Security Check pays a lawyer to keep us in the house. We do n't know what else to do. We have income coming in with the side jobs I do here and there, my pension check and my dad who is living with us due to being ill helps us every month with his pension and social security every month. Is there anybody out there that can help us with this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In or around XXXX 2014 I was notified that my personal information may have been used to open fraudulent accounts. Pursuant to law I made a law enforcement report and upon their findings of fraud I forwarded the bureaus copies of the law enforcement reports and supplamentals which were provided to me. On many separate occasions and attempts I was informed by Equifax that they would not recognize my law enforcement reports and they outlined that they looked into my claim and that the original creditor indicated the accounts were valid despite law enforcement 's reports outlining different findings. Over the last XXXX months I also obtained letters from the original sources XXXX Bank and XXXX XXXX that the accounts had been identified as fraud. At this time despite all these supporting documents Equifax still refuses to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
On XXXX XXXX, 2017 I sent a letter via certified mail with return receipt to Transunion and XXXX Consumer dispute center in regards to removing unauthorized inquiries from my credit report as are my rights under FCRA. On XXXX XXXX, 2017 I received notification via USPS that the letter had been received by Transunion and XXXX. I have yet to hear anything from TransUnion or XXXX regarding this matter. I have not received notification that my dispute has been received. I called Transunion and XXXX Customer Service disputes dept on X/XX/2017, I was told by a representative that they have not received my letter in regards to my dispute although I have proof that they sign for the certified letter. This is unacceptable and unlawful. My rights have been violated, I am entitled to a response from my inquiry per FCRA regulations.

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 2015-05-04
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have XXXX chapter XXXX bankruptcies on my report : XXXX that was filed in XX/XX/XXXX & XXXX that was filed in XX/XX/XXXX. Both of them were dismissed. Chapter XXXX 's are deleted from your report after 7 years. However, Equifax refuses to remove them stating that " dismissed '' Chapter XXXX 's are to stay on the report for 10 years while " discharged '' Chapter XXXX 's are removed after 7 yrs. They will not allow me to open a dispute for it because according to them that is the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To whom it XXXX concern, XXXX negative accounts ( XXXX XXXX XXXX, XXXX and XXXX are fraud charges, NOT MINE. see attachment ) on Equifax credit report are incorrect. Filed claim to equifax fraud accounts to be removed on XXXX/XXXX/2015 with enclosed all CERTIFIED RETURN RECEIPT communications with grantors, police report. Equifax is refuse and ignore to remove fraud accounts from my personal credit report without one valid response, this endless investigations time goes on. 
During the last 60 days investigations, Equifax found that they have different personal ID and information on their record, I had to supply my ID and proof of residency twice, every 30 days. Please see attachment. 
When I knew about these fraud charges was XXXX 2015 by a XXXX collection call. I found grantors of the credit accounts through credit report, notified them there are fraud account opened on my name, demand them to close account and validate via USPS Priority Mail Three times to each grantor ( s ). These grantors ignored my request, never responded me ONE TIME till I filed dispute to credit reporting agency. Please attach documents. 
Equifax has not provide me any valid response as of today, meanwhile, it is keeping negative account on my credit report causing me serious harm. ( My normal credit scores is range from XXXX to XXXX. Due to this credit fraud incident, my credit dropped to low XXXX. My line of credit account credit line has been terminated due to low credit scores and yet agency does not fix its reporting timely manner nor cares to read my evidences/affidavit provided to them at all. 
I can not express in word how devastating process it is to go through with Equifax. Their customer service phone responses were, " if grantor said it is valid, then it will have to stay in credit report for 7 years ''. They are not listening to me nor reviewing documents I attached. 
I have notified all XXXX accounts on XXXX XXXX, XXXX and XXXX that they are Fraud accounts, close account effective immediately three times. And phone and XXXX Mail. And Equifax has the attached documents and yet they act as if they are not reading nor hearing it. 

PLEASE REVIEW MY ATTACHED DOCUMENTS, FTC, POLICE REPORT, EVIDENCE OF COMMUNICATIONS, HELP ME TO HAVE EQUIFAX TO REMOVE INCORRECT DATA FROM MY PERSONAL CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax allowed XXXX XXXX to report a delinquent account from XXXX on my credit file. This account appeared on my file as XXXX XXXX and I disputed it and it as removed. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I ca n't see what to dispute but i do know someone had access to my social security numberaddress etc.and pulled my credit for loansalso there are names I 've never been associated withplus there are address i have never lived atalso there are bills i have n't charged and do not owe. 
i am unable to access my credit report someone else already has. Even though I had a fraud alert on my creditI am unable to access my social security number to change it because I have a electronic block on it. 
The credit report has not began a investigation as of yet. I have no past or present credit reports.

Company response to consumer: Closed with explanation