BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
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: Their investigation did not fix an error on your report

Complaint:
Equifax isnt fixing my credit report after I send in important documents to have XXXX accounts blocked and they are still showing on my credit file in my name which are XXXX XXXXXXXX XXXX XXXX XXXX XXXX These accounts are fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Elevate Recoveries, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I requested that this company remove the fraud account from my credit report. They have reply by staying they have no knowledge of the account I have enclosed a copy of my credit report. 
I Have enclosed a copy of my Credit report identity theft report the letter I sent to this copy certified back in XXXX asking them to remove this account and the certified mail receipt staying they got it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is regarding an old installment loan with  XXXX   XXXX . The account was turned over to a collection agency  XXXX   XXXX  which is reporting negatively on my credit reports.  XXXX  is not bonded in the State of Texas to pursue collections. I entered the name and address on the  Secretary of State  website for debt collectors and was unsuccessful at locating a bond for this agency.

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 2016-03-30
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
XXXX submitted a hard inquiry on my Equifax report to obtain a credit card on XXXX/XXXX/2014, which I did n't apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: MD
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXEquifax/XXXX XXXX XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX 'S XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX B-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXC-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX HERITVOLKS-Date of inquiry XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date XXXX XXXX XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXT-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
US Treasury Department is charging me for a money order that was returned to the US Post Office in XX/XX/XXXX and provided to the Post Master, XXXX XXXX in XX/XX/XXXX. I have disputed this with the US Treasury but to this date I am still being charged for they money order. I have proof it was returned to the Post Office as the postal clerk wrote on a note she received it from me. Please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: NJ
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:
Noticed 2 Bankruptcies on 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
Consumer complaint received 2016-04-09
Company: Seterus, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I held a mortgage on my house which was transferred to XXXX XXXX XXXX. For various reasons, I was no longer able to maintain the house, and moved into an apartment. The mortgage was subsequently sold to Seterus for collection. The house was foreclosed, but various issues with previous mortgage companies not clearing the title when I refinanced, the foreclosure auction could not take place. This happened in about XXXX 2014. The title issues have long since been resolved, and no further date has been set for foreclosure auction. I have contacted Seterus numerous times, with no resolution. I finally told them I wanted to turn the property back over to them. I was told I should hear something 'in about 2 weeks '. This was at least 2 months ago. Meanwhile, the house has been vacant for over 2 years, and is deteriorating. I have had XXXX different people contact me about buying through a short sale. The first one was not able to reach an agreement on a price. The second one is also likely to not go through. Meanwhile, I can not get any cooperation from Seterus on returning the property to them. Every call I have made to them, ends up going nowhere. I need help in getting rid of my property ... It seems very unreasonable that all this should have gone on for almost 2 years. Any help you can give would be greatly appreciated ... .. 
My scanner is not working, so I am unable to attach the foreclosure notice dated XXXX/XXXX/2014, with date of auction scheduled for XXXX/XXXX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Both my husband and I have tried to order our credit report from the XXXX website. Both attempts ended in an error or the report not being available. My request was for XXXX and my husbands was for XXXX. Please correct this problem so we can get copies of our reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My mortgage account has been deleted from Equifax credit reporting file as of today XXXX XXXX, XXXX XXXX XXXX informed me that Equifax showed that they had deleted my mortgage account which caused my credit score to decrease by XXXX points. I, then paid {$15.00} to Equifax to get a report so that I would have their file number just to talk with someone about the deleted mortgage account. Equifax representative as of today, XXXX XXXX, 2016 advised me that I had to get this error corrected although I have a mortgage account which is current as of XXXX XXXX, 2016. He confirmed that the mortgage account had been deleted because the account had not been updated since it was last reported. He advised me that the mortgage company must resubmitted the information to them. I called the mortgage company. Does Equifax has the right to delete a furnisher information on a consumer without confirming the information with the furnisher? My mortgage account is open and has been current for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Alliance Acceptance Corp.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Alliance Acceptance Corp is reporting an incorrect payment history to XXXX. I got on a payment plan with Alliance and they agreed to report my account to the bureaus as current as long as I am making my payments which I am. XXXX from Alliance emailed me this to confirm. Please see attached our email thread. I also attached a copy of how XXXX is reporting this account. XXXX and XXXX are reporting correctly and XXXX needs to do the same.

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: Experian Information Solutions Inc.
State: SC
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:
Yes, a XXXX XXXX XXXX was purchased on my way in XXXX  financing the know. We made one payment and figured out that the bike was too small for her and returned it. The firm was supposed to have reported the loan has been paid in full and or closed. To this day they have not canceled. I have also taken the steps to dispute this with Experian and to to no avail nothing has changed. Experian responded back and told me that XXXX  confirmed that {$2800.00} was still owed on the account. This infuriates me seriously as it is affecting my credit score as if I still owe them money which I do not. I am asking that they fix this to zero balance or delete immediately!. 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 non-monetary relief
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EQUIFAX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: ProCollect, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I mistakenly paid a {$68.00} invoice to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) instead of the XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XXXX XXXX. Despite the fact that the services were not provided by the XXXX XXXX, they negotiated the check anyway. 

In XXXX XXXX I received my first of many notices from the collection agent ProCo to which I explained the situation in writing. I heard nothing more until XXXX when I received another notice from ProCo. This time I contacted the XXXX XXXX and XXXX XXXX requesting that the Group simply transfer the {$68.00} to the Center. I was told that such a transfer was not possible, and so I suggested that the Group return the {$68.00} to me so I could then write a new check to the Center. Subsequent to my suggestion, the XXXX called me and said the transfer was possible and the issue was resolved, which I believed since I did not receive my {$68.00} from the XXXX. 

In XXXX XXXX I was contacted again by ProCo and then today, I received a notice from XXXX XXXX XXXX, XXXX. I 've responded to both. However, it seems to me that the XXXX is the company at fault here because 1 ) they accepted payment for services they did not perform, 2 ) they did not transfer the payment to the center ( if you believe the collection agent and law firm ) and 3 ) they did not refund my payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I began the modification process with Seterus in XXXX 2015. I received paperwork in XXXX 2015 stating I could begin the trial payment process in XXXX 2015. I made the first and second payments over the phone XXXX XXXX and XXXX XXXX. When I tried to make the final trial payment in XXXX, a Seterus representative advised me that I had not paid the correct amount in XXXX, that I needed to pay more in XXXX to make up for the lower payment and I would also have to stay in the trial period one more month. I explained that I paid the same amount in XXXX and XXXX, she said no it was incorrect. I was out of town, working, so I paid it. I called in XXXX to, again, make the final payment and the representative told me my modification had been cancelled, I asked why, he checked the notes, said it was because I had made inconsistent payments, because of the XXXX payment. I explained what happened, he checked the notes, said the previous representative was incorrect, he corrected it and gave me credit for the overrage, said he would send my information to the modification department and the would send my modification pacakage. I received a modification pacakage on XXXX/XXXX/15, the principle payment amount was shown as {$900.00}, escrow amount was shown as {$380.00}. I called Seterus with questions about my package, and deferral of my principle amount, and requested to talk to the person handling my modification. I was told that I had to send my request to them in writing, so I faxed a request to them on XXXX. I received another modification package dated XXXX/XXXX/15 ( please see attached copies XXXX on XXXX/XXXX/15, that states my principal payment is {$910.00} plus the added escrow amount of {$420.00}, for a total of {$1300.00}. Which is higher than the original mortgage payment that I had before I asked for the modification. If I could not pay the original, I wo n't be able to pay this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX sold my account to XXXX XXXX in XXXX at that time the balance was {$15000.00}. We were negiotaing a the loan be re written as a home equity loan. Coincidence or not that decided to not return our phone call when the market crashed in XXXX. We short sold our home XXXX XXXX. XXXX HAS BEEN HARASSING US FOR 6 YEARS NOW. The most recent amount they claim we owe is {$54000.00}!? They continue to report this every year. Is this legal? It will be XXXX years XXXX XXXX. They claim they will keep reporting this until the debt is paid in full. Please assist me on how we can assure this happens. We already lost our home and now have to rent until this gets removed. We are not even being considered due to their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: United Revenue Corporation
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Robocalls from XXXX on XXXX, XXXX, XXXX ( which I answered to let them know they had the wrong person, but was only a robocall, with the message if I was not this XXXX? person, hang up ) and XXXX. They have been looking for this person for a long time. My wife called them in 2014 and told them they have the wrong person and did not have consent to call this cell phone anymore. Two years later, they are ignoring that verbal cease and desist order. Their website is down & I do n't feel the need to spend money to send certified mail or fax when a verbal cease and desist is permissable according to FDCPA & XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a hard inquiry from XXXX. and havent been in contact with them to get anything it says XXXX this is not accurate idenity theft at its best they should ask security questions before giving out my personal information to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was trying get a free annualcredit repor from equifax, and it dennied my request because when it got to the security question portion, it indicated a mortgage loan which I definately never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Experian Information Solutions Inc.
State: TX
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:
This is regarding an old installment loan with  XXXX   XXXX . The account was turned over to a collection agency  XXXX   XXXX  which is reporting negatively on my credit reports.  XXXX  is not bonded in the  State of Texas to pursue collections. I entered the name and address on the Secretary of State website for debt collectors and was unsuccessful at locating a bond for this agency.

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: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
XXXX XXXX messaged me on a website roomies.com offering to rent a room under the name of XXXX. She gave me a tour of the room on XX/XX/XXXX at XXXX and stated to me that in order to move in, it would cost me {$950.00} and {$200.00} for deposit. On XX/XX/XXXX I took out a money order of {$950.00} ( came out to {$950.00} for processing fee ) at Wells Fargo and wrote a check for {$200.00} for the deposit. I was given keys and I told her I was going to move in my stuff on XX/XX/XXXX. On XX/XX/XXXX, I arrived to drop off my stuff and move in, but no one was there. The key she gave me did not work and didn't open the door. I messaged her, called her. She did not reply. The calls went straight to voicemail. 

I got a bad feeling and have notified my financial institution. I later googled the name she told me to write the money order and check to : XXXX XXXX. A mugshot came up and it was her. She was arrested in XXXX in XXXX, NC for theft under false pretenses. 
XXXX XXXX XXXX  XXXX She lied And told me XXXX XXXX is the name of the landlord. XXXX XXXX went by XXXX. I reported her account to roomies.com and she was banned. 

I tried to work this out with Wells Fargo my financial institution. They were able to retrieve the XXXX from my personal check. Unfortunately they were unable to retrieve the {$950.00} on money order because it was not lost, stolen, and XXXX signed for it already. I would appreciate any help in retrieving the rest. This has been a huge hit to my financial struggles. 

A police report has been created in 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 2022-03-01
Company: EQUIFAX, INC.
State: MD
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 have provide any information necessary to verify that I am filling this complaint. These stale tactics you companies are using are unprofessional and illegal. Please see attachments and provide me with the proper verification pursuant to the LAWS that govern you all business.

Company response to consumer: Closed with explanation