BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I went online to request my credit report due to adverse action. I went through the verifying screens and arrived at the place where I could access my report. A message on the screen indicated that I was not able to obtain it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My name is XXXX XXXX XXXX am very frustrated with Equifax, I 'm trying to fix my credit report more than XXXX weeks ago, I send them social sec, drivers license, and utility bill, they confirm me the change of address and when I make a credit report update the old address appears again and every day I have to call and they tell me lies and I feel discriminated .They not fix my address and they made me split file from my credit report because they say this very long and then my new credit accounts do not report them because there is no space. That is not right, please help me to fix my credit report ..I have read many complaints about Equifax be doing split file to many people, please I want just one normal credit report with all my new credit accounts. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: CORELOGIC INC
State: GA
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 was received numerous emails from XXXX XXXX and Credco. I have XXXX inquires from XXXX mortgage where somehow they they were able to pull my credit report. They also called my phon numerous times and I had to ask them to remove me from their list. I have no idea what Credco is. These two companies somehow was able to pull my credit by obtaining my social security number.

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 2016-02-17
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The Sears card billing was sold or transferred to Citibank collection They called over 10 time in one day. The problem is that they sent the bill to a XXXX XXXX XXXX this has happen about six time in past and they have billed me four times the amount of what is the monthly payment {$4300.00} which I have been paying on time for over 12 years or more with the same address for billing for over 12 years. They changed the address to be able to collect late charges it has happen so many time before and I have paid the late charges. This is a crime with all the intent to defraud the consumer .I have spoken to them and asked why did they Sears or Citibank change my address without my permission. My address for the last 12 years has been XXXX XXXX XXXX XXXX Florida XXXX same phone number XXXX XXXX which has been in their files for over 12 years. I am asking for an Federal Investigation and a Postal inspectors for mail Fraud using the US Mail service to commit a Crime. This problem I am sure is happing to other consumer we need and demand you to Investigate this matter.My husband is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have XXXX new hard credit inquiries on my report from XXXX that I did not authorize. I contacted XXXX and they told me to dispute it with Equifax I disputed it with Equifax and all they did was say the report was factual. I did not authorize XXXX XXXX to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My XXXX account reflects my perfect payment history on my credit report however in the comments and status section it states that the account is charged off. I have disputed this account several times with the same outcome as verified as acurate or updated. How can a account have perfect history but be be a charged off account.? Documentation has been uploaded to support my claim please review and coreect.

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

Complaint:
i have XXXX hard inquires with equifax that does not belongs to me i have tried to contact equifax but they keep giving me the run around about these inquires the inquiries are : 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 2016-09-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have requested that Equifax remove numerous address from my credit profile. They are not accurate or correct. They still continue to report these addresses. All the addresses they have listed as previous should be deleted and removed they are not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent a letter on XX/XX/XXXX and I have not received any information on the collection reporting inaccurately on my credit report. I sent a second letter on XX/XX/XXXX. I also sent proof that I had car insurance with another company.

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: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I forgot the account existed.  X/X/2017     XXXX   XXXX  fr om Capital One c alled & told me that my account with them had been dormant for years. She led me to believe that I had a couple thousand dollars in account. She asked for Pin #, Password etc. I told her I did not have. I have forgotten all that information. I forgot I had the account!! She asked me many question to identify myself and I answered them all. She requested I send her thru fax # a copy of my SS card, a letter requesting a reset to access account, drivers license and utility bill. This was in order to reset account and provide me with a link to access account and for me to reset username, pin and password. They never replied.! I have reached out to the 3 times. Same story happens. This last time I spoke with one of their managers and he told me to go to a branch and identify myself and then they would reach out to them. However Capital One does not have branches in my area. I feel they are giving the run around. I want my money. I was overseas for a long time and have lost a lot documents. I need help. I will work with all to prove my identity, but I want a conclusion and want to be able to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had an XXXX on XXXX 2014. While being transported to the hospital, I did inform them that I am a XXXX Veteran, whom has VA insurance and please bill them. After leaving the hospital I found out that they billed XXXX instead of the VA leaving me with the 20 % or around {$45000.00}. My responsibility.bi tracked down the hospital business manager and explain that and even asked them yto resubmit the bills to the VA for full payments, but they have not done anything about it. Causing me to get hit with so many medical bills that have ended up with collection company and have destroyed my credit score. What should I do? Please advise ASAP and thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My credit reports shows that I lived at, XXXX XXXX at XXXXHowever, at that time I was living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. XXXX XXXX XXXX Apartments ) XXXX XXXX XXXX XXXX, Alabama XXXX phone number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Alabama XXXX phone number XXXXWill you please look into this matter for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: GA
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:
The following inquiries are unauthorized. These unverified and unauthorized items must be removed per my rights under FCRA ( Fair Credit Reporting Act ). 

XXXX XXXX  XXXX XXXX - DATE XX/XX/2021 XXXX XXXX XXXX XXXX  - DATE XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 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 2023-03-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Attempting to find out if I'm effected by the class action law suit against Wells-Fargo on one of my previous mortgages or auto loans

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 2016-06-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
My credit was compromised in XXXX which has created ongoing problems and aggravation. I have spend hundreds of personal man hours and XXXX dollars paying monitoring fees to the bureaus and consulting fee to various companies to attempt have my credit history accurately depicted. Most recently, someone made numerous attempts to obtain credit using my social security number in XXXX of XXXX. I had a fraud alert on my file prior to this most recent intrusion. My complaint is the following : 1 ) I was not called by any of these creditors at the time of inquiry because Equifax did not have my telephone number included in my fraud alert 2 ) When I called to notify Equifax that I did not authorize these inquiries, they presented a flawed interpretation of the FCRA which was grossly inconsistent with XXXX and XXXX. I told Equifax to contact these creditors and have them prove I made these inquiries. For example, request the application that was submitted. See what address was used, compare signatures, speak with the loan officer etc. I explained that these creditors can not prove that I applied for credit because I did n't do it!! XXXX and XXXX removed these false inquiries with no problem! Equifax said that the law does not require them to verify that these inquiries are valid only that they occurred. That fact that they occurred, makes them a matter of factual record. What!!? If someone steals your information, and applies for credit, of course it occurred! They said that I have to do their job by investigating each inquiry and then requesting the creditor to contact Equifax and rescind the inquiry. Excuse me? You do n't get to cherry pick through a Federal Law and decide what parts you feel like complying with. The rep made the comment that the " creditor is their client not me ''. That has no bearing on Equifax 's obligation to fairly report my credit, furthermore, I am a client too, because I pay for their subscription service. I insist that they comply with the law and do their job verifying that I arbitrarily and inexplicably decided to appliy for credit XXXX times in XXXX of XXXX. Or, they can pay me a {$25000.00} consulting fee to stop my life and travel to these creditors to investigate these inquiries to find out what I already know. Pardon my sarcasm, but their position on this matter is laughable and offensive. How dare they take this monarchal approach that I 'm guilty until I prove myself innocent, because they are too lazy to do their job. 
3 ) In what I believe to be a retaliatory strike from earlier complaints, Equifax removed my positive credit history along with the fraudulent accounts! 

I thank you your department for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Mortgage Account Duplicated on Report, Duplicate is Zero 'd out Sums, and posted a negative hit to my credit rating, there have been Letter Requested to up date, However Equifax Has not responded, XXXX Has corrected the initial issue. 

XXXX Accounts are the same Account #, Also The Reporting is out of date, Attached as well is latest information from the Mortgage Company on what I owe, XXXX, XXXX, and XXXX are all already paid. XXXX paid on XXXX, XXXX Will Be Similar as will be paid last week XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, 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:
I received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX has a collection on my credit files from a debt that is outside federal obsolescence and that has been cancelled by XXXX. When I contacted XXXX to discuss the debt they said they could not speak to me about it as the debt was cancelled. They sent me a copy of a XXXX showing cancellation of the debt. 

This is a violation of my rights under the Fair Credit Reporting Act. XXXX can not report an active collection balance for a cancelled debt that I am unable to even discuss. I have attached a letter that I sent to XXXX along with their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Equitable Acceptance Corp
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
A third company party company gave me false and misleading information. They misrepresented my family size. They told me they would pay off my loans and they would no longer report on my credit history. Also they told me that their fee would not report on my credit. Which it is and is hurting my credit by showing as it is a credit card that is over maxed out.When I tried to discuss these issues with XXXX they directed me to the other XXXX ; I have multiple times tried to reach the company with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was a victim of identity theft and there are several fraudulent inquiries on my credit report that needs to 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-05
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I manage my credit regularly. I went on line to the XXXX agencies to dispute the items and the system they use times you out and you can not log back in to finish.. Equifax is the worst one.There is a XXXX credit card on my report it belongs to XXXX XXXX XXXX , I am not responsible for this credit card or am I a signer on the account, we do have a loan together for the XXXX XXXX XXXX . Also there is a reporting from XXXX on a returned check. That Item was paid in XXXX XXXX by a XXXX XXXX. I had to pay the debt in order to obtain a job in the insurance industry. Also there is reporting of a financial services collection included in a bankruptcy in XXXX, How can it be listed in the negative reporting as of XXXX if it was absorbed in a Chapter XXXX Bankruptcy in XXXX. Also the XXXX XXXX XXXX shows that my account was charged off. I fully paid the auto loan off in XXXX XXXX. I tried to file on line and via phone but find it is extremely difficult to correct my credit with these agencies. There is also a XXXX collection that is not mine. My medical records have been stolen and my Identity compromised. I have full medical and all my bills are paid 100 %. I have done my due diligence in trying to contact these agencies to file a dispute and it is extremely difficult. Now when I call or go on line it states the information I provided does not match their records. I believe I know who I am. Please advise on a solution I have been working very hard to bring my credit in order and correct all the items on my report. I am trying to qualify for a home and this is delaying my approval. Not to mention that my report in impacting my XXXX XXXX and trying to get my XXXX. Also it states my name is XXXX XXXX, I changed my name back to XXXX in XXXX. My reports should state formerly know as XXXX XXXX. I do n't want to be attached to my ex husband XXXX XXXX XXXX, he has a and continues to have terrible credit history. Thank you for you time in reading my complaint. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello, Equifax continues to report disputed inaccurate information on my report that had been removed previously as follow : 1. XXXX XXXX XXXX XXXX {$290.00}. This account is not mine and XXXX XXXX has failed to respond to the CFPB in the past with proof of debt. This must be removed. 
2. A closed collection account, # XXXX, remains to be provided on my report with no contact or account information. This must be removed. 

3. XXXX XXXX XXXX. As note din a prior dispute this account payment status is not correct as payments have been made monthly. This must be updated top accurate information or the account information deleted. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a {$170000.00} XXXX  on XX/XX/2022. We submitted all the request support immediately. We believe that met US Bank XXXX underwriting standards. 

There is an fraud alert on our credit reports that we placed several months ago. The US Bank Underwriter stated that they must call us regarding the fraud alert, which we agree with. To our knowledge US Bank never placed the calls, per our cell phones call history, and we asked US Bank to verify the number being called. He stated, via email, that he called XXXX  times. 

The underwriter was unresponsive to our phone number information request, other then saying in an email that our loan was being " td ''. He further stated that he is not working on this XXXX application. 

Emails to/from US Bank are available upon request.

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 2015-11-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
The following credit inquiries are on my credit report and I did NOT authorize these companies to do the inquiry. 
EQUIFAX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX : XXXX, XXXX XXXXI want these inquiries removed and my credit score adjusted.

Company response to consumer: Closed with explanation