BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I recently disputed the creditor XXXX '' status of showing '' Open '' and listed under ''Installment Accounts ''. This account was included in my XXXX that was discharged on XXXX/XXXX/16. 
I 've disputed this matter 2X 's with them as well as with CFPB, i was advised by Equifax on the CFPB Website that this matter was not showing in the open status, and showing currently in '' XXXX Discharged as of XXXX/XXXX/16. This is not true both myself and CFPB have been misled and told false information. PLEASE See Attachment showing Equifax Credit Report XXXX showing that this account is indeed showing ''Open '' and listed under ''Installment Accounts '' Please see CFPB Complaint as of XXXX/XXXX/16 stating ''CFPB Complaint Resolution '' I 've continue to deal with these inaccuracies as well as others on my credit report, with Equifax , these inaccuracies are not only causing an issue to my credit but to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I contacted XXXX XXXX to report my credit cards again to Equifax after my cards had been deleted by Equifax. Equifax has now reported the credit cards but is saying the account history has been deleted, which in terms makes it seem as if this credit cards are new accounts. I have had these cards for over five years and I need my credit report to reflect the amount of time and history I have on these XXXX credit cards. Please make them correct this situation. I have not been able to resolve any issues I have had with Equifax. It is going on a month now. First they delete my cards, then I have to get my credit card company to make them report again and now they are reporting inaccurate information. Please make them place my history back on credit cards. I have attached the information I was sent from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Do to this recent derogatory mark on my XXXX credit report iam unable to apply for a auto loan this was reported on my credit XX/XX/2022 this is a result of identity theft I would sincerely appreciate for this to be removed and deleted from my credit immediately

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 2016-07-22
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am writing to dispute the following information in my file. I have been trying to obtain my credit score since I was XXXX years old, but have been rejected by XXXX banks due to my unique mononym name XXXX. It is my birth given name as filed on the Civil Registry and as seen on my enclosed birth certificate, on my Oregon Driver 's license, Passport, and my Debit Card at XXXX XXXX XXXX XXXX. On XXXX XXXX, XXXX, I joined the Bank `` XXXX XXXX XXXX XXXX '' and got a secured credit card which later became a regular card on XXXX XXXX, XXXX. I was told that after one year, I would have a credit score. 


I have Given now MULTIPLE times to ALL the Credit Bureau 's ( Equifax , XXXX, XXXX ) all of these enclosures. Oregon Driver 's license, Passport, Credit Card Payback History, Social Security Card, Birth Certificate, supporting my position. Please reinvestigate this these matters and correct the disputed items as soon as possible. 

I attached a New Document showing how The Problem was Never addressed and Gave me the ( Run Around Yet Again )!!! 


Equifax never sent me anything like they said, and what I was TOLD by You! Please have them Contact me! 

XXXXXXXXXXXX Please for the Love of God, Help Me!!!! I 'm XXXX years old and I Need this for my Life! I have all of the Proof to obtain a Credit Score Yet, No One is Helping me Out, and I have No where Else to Go. Please Help ME! 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed a complaint against XXXX XXXX XXXX with CFPB and XXXX apologized and agreed to correctly report my account. Dispute # XXXX. Equifax continues to report the account incorrectly and needs to just remove the improperly reported account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Refused to pay for modem router, that they auto billed me {$150.00}. told them to send shipping label, then adjust bill from there, I would pay them once everything was straightend out, I would purchase my own, they never sent shipping label, and would n't adjust bill, cause I still had their equipment, I still have it sitting here, all boxed up and ready to give back Do n't hardly seem fair that I 'm being punished for refusing to purchase what they were trying to force me to buy. 
I 'm the customer, and I refused that part of their services, I have had many discussions with multiple people, and not one person can seem to figure out how to send a shipping label, and adjust my bill. 
I absolutely refuse to pay {$150.00} for their equipment, especially after a good 2 years of arguments, get on the ball people!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been disputing with equifax incorrect information that is reporting on my credit report in regards to my XXXX charge account. Currently it is reporting as potentially negative with a 30 day late payment and a deragatory remark. This information is incorrect. I am attaching additional information from XXXX 's stating that this account was not paid 30 days late and they were going to notify the credit reporting agency 's of the changes to be made. I have been disputing this as far back as XXXX of 2016. Today I received another letter dated XXXX/XXXX/2016 supporting my dispute. This account should be reporting as accounts that are in good standing and the deragatory remark removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed several unauthorized inquiries being reported on my Equifax credit report on XXXX XXXX 2015. The response received from Equifax on the very same day XXXX, XXXX 2015 was " Inquiries are a factual record of file access ''. No investigation with the source was even attempted regarding the unauthorized inquires. 

Equifax must reinvestigate ANY dispute under XXXX ( a ) ( XXXX ) ( A ) : XXXX. Procedure in case of disputed accuracy [ XXXX U.S.C. XXXXi ] ( a ) Reinvestigations of Disputed Information ( XXXX ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I was not notified of this debt properly. Pressler and pressler forged my signature stating I received a copy of the judgement when in fact I did not. They levied on my bank account, I went to court and got the judgement vacated and my money returned. I wrote them the 1st cease and desist letter, asking them to not contact me other then in writing form. They broke the law by calling my significant other and my self after we both requested not be contacted other then in writing, and admitted to in a letter apologizing about them contacting me. They also broke Federal Law by trying to collect on a debt that 's not owed to them and using the US mail system and court system to do their dirty work. They have not specifically proved their debt with any agreement that I entered into with because I have not. They have not proved their debt purchase because the debt was illegally purchased for pennies on the dollar.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion has deleted my inquiries couple months ago and they put those inquiries back. I called them but they did not want to remove it.

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 2016-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I requested my annual credit report and i was sent a letter stating i had to provide proof of identity such as a utility bill. I sent a copy of a current electric/utility bill from XXXX and then i got a letter stating again stating that i needed to provide proof of identity with the same forms of identification listed on the form such as an eletric bill. I also have a security freeze since my identity has been stolen in the past and when i go to transunions website, it allows me to sign in but starts flashing and flicker. i know its not the computer or the internet because i was able to temp life the freeze from other credit reporting agencies. transunion has blocked me from my own info and even when i provide verification of who i am and my current address, they still will not provide me my credit report. their online credit report request asks me questions to try and verify me that has nothing to do with me and does not pertain to me so it denies me the ability to get into my credit report online because the questions that they are asking do not pertain to me. Im not sure why they changed my information but i would like them to stop blocking me and correct the wrong information they set up to keep me out of my own credit file. I can get to my credit report from XXXX but not from XXXX or transunion and transunion will not let me temp remove the freeze even though i have my password and pin number to do so.

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 2017-02-16
Company: PROVIDENT FUNDING ASSOCIATES
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage company failed to pay our property taxes out of our funded escrow account on time, which has resulted in a penalty and interest charge. The county tax assessor has also issued a Notice of Intent to Issue a FIFA on our property. We have contacted our mortgage company on several occasions to remedy this situation, but they have not been responsive to date.

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 explanation
Consumer complaint received 2015-11-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents their company has on file that was used to verify these accounts, under the Section 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... Promply 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 2015-03-24
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My problem is with Equifax. In XXXX I bought a new car, the dealer apparently check with several creditor to get me the lowest interest rate for the new car. All of this was done XX/XX/XXXX. I am trying to get a mortgage, My mother died and her house has been sold, closing on XXXX XXXX, XXXX. I am on XXXX and have no where to go. All of the inquiries the dealership for rate shopping are on Equifax as hard copy inquiries. They have a total of XXXX hard copy inquiries for this XXXX purchase of a car, done by the dealership XXXX XXXX in XXXX XXXX, MN in XXXX, XXXX. 
They are XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX Bank indirect XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX This has cause a negative effect on my credit score # 's under excessive inquiries on my credit report. I have tried to contact them 3 times, they are never available to help me. Is n't this in violation of the fair credit act? They themselves cause damage to people 's report. Now credit agencies have the power to totally control your life, whether or not you will have a roof over your head, or will be able to drive or walk. Yet when they are reckless on their reporting of your credit, they are n't held responsible for their mistakes, and they charge you to get a copy of your credit record they messed up. I need this information removed, since one can, look for car financing and mortgage financing to get the best rates without it seriously damaging one 's credit record. This is according to the fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX has never been my account identity theft, fraud

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been disputing multiple collections that continue to report on my credit file. Of these collections, I have supplied the necessary documentation that would allow for Equifax to remove immediately. These collections are with XXXX XXXX XXXX, account numbers ; XXXX & XXXX. I am attaching a letter from the collection company that I received yesterday that Equifax has refused to remove accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I called my bank to make a loan to build my credit and the bank said that Equifax have my birthday year as XXXX and I was born in XXXX but I 've never done anything with my credit so now things i try to do with my credit I ca n't and Equifax said they dont have any information and not looking into it. I NEED HELP ASAP! Im In the process of getting a car and apartment and ca n't do anything with my credit! I need this fixed ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Upon review of my annual credit report, I noticed incorrect information on my reports from both XXXX and Equifax. It was a collections account for a place called XXXX, a business which I had never been to, or contracted for services with. My initial dispute with both companies was on XX/XX/2016. XXXX deleted the incorrect information right away, but Equifax said that it was my debt, and did not delete it. I sent a XXXX dispute letter to Equifax on XX/XX/2016, explaining that their initial decision was incorrect, and asking them to provide me with the method of verification used to justify their decision, and also to provide me with a copy of the verifiable original contract for services with XXXX XXXX of XXXX with my signature on it. Equifax has failed to produce a copy of a contract for XXXX XXXX of XXXX with my signature on it, so according to the FCRA Section 611, this information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Arbor Residential Mortgage LLC
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I received a letter stating that my property was near to or possibly impacted by a Presidential Major Disaster Declaration. That is not true. I called to register my dismay at this vaguely threatening letter and request they update their data. The C/S Rep said he was unable to help me and would transfer me to a department who could. I then ended up in their automated telephone system, not to a person. I am very uncomfortable with my mortgage servicer implying I have disaster related damage to my home when it is not true. ( Please note, none of your mortgage process categories below apply to this situation. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report.XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested 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. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Arbor Residential Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced our home through a mortgage broker. It was underwritten by a major institution ( XXXX XXXX ) but immediately sold to Fannie Mae and then to Seneca Mortgage Servicing, within a week. This place is a nightmare ; almost every online comment about them is maximally negative, but because they buy loans consumers have no choice about being stuck with them. 

1 ) They claim to have sent payment information in the mail but we do n't have it. They called my cell while I was at work, but were unwilling to send the information via email - they insisted I call them back. 

2 ) The biggest issue is that their contact number, XXXX XXXX XXXX, has a nonfunctional robot answering it. Regardless what one enters, it just restarts its instructions a couple of times and then hangs up. So I ca n't contact them to get the information I need to pay them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-09-22
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I attempted to close my bank account with First Niagara Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX NY on XX/XX/2016. To date, the bank has failed to provide me with my account balance. They claim a check was mailed on XX/XX/XXXX however it has not arrived and they refuse to stop payment and reissue as I can arrange pickup.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
MY INFORMATION WAS USED IN A DATA BREACH AND THE ACCOUNT HAS SHOWED UP ON MY CREDIT REPORT THIS IS NOT MY ACCOUNT AND NEEDS TO BE REMOVE ASAP

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