BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
there is a mix up on my credit report my credit report a man by the name XXXX XXXX XXXX credit has been mixed together his middle initial is the only difference we both have the same social number and the credit company it 's giving me a hard time because Their security questions they ask I can not answer because they are the security questions for the other person I have nothing on my credit report and he has multiple loan and credit cards dating back from when I was only XXXX and XXXX years old I 'm stuck in the situation where I have nowhere else to turn I tried to send them proof to Equifax and I have not gotten a response. XXXX I have nothing on the credit score the only thing that 's on that Equifax XXXX is all the other guys information there are XXXX addresses listed on the personal information XXXX of them are addresses from Tennessee I have never been There XXXX of them being in XXXX XXXX which that XXXX is my old address he has taken out student loans unsecured loans and have had credit cards he 's using my social security number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26
Company: Seterus, Inc.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was refinanced several years ago and purchased by Seterus, XXXX XXXX XXXX, XXXX, CT XXXX. At the time of closing, we are obligated to pay PMI and was told once the loan to value ratio reached 80 %, the PMI could be discontinued. Seterus has been biased in requiring us to pay {$350.00} for them to select an appraiser of their choosing without giving us, the consumer, an option of a list of appraisers in the State of Wisconsin. Twice, after completing major updates and home improvements, we have applied to have the PMI discontinued. In XXXX 2016, for the second time, we paid {$350.00} and used the appraiser that Seterus selected to conduct the loan to value assessment and we were within a reachable limit of 82 %. Seterus changed the contract ( orally ) to state that the loan to value must now be at 75 %. After speaking to Seterus regarding this issue several times by phone, they failed to provide written documentation or proof that we agreed to pay 75 % at the time of closing. A review of our closing documents states that PMI should be discontinued once the loan reaches 80 % loan to value. This PMI is {$110.00} per month and is deemed as an unnecessary burden to us as consumers, considering we have owned this property for 12 years and have never been late with a mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have contacted each negative report on my account and was told by the majority of them that their company did not make the negative report and did not know where it come from. All the credit card company increased my line of credit and other have sent me letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Statewide Credit Services Corp.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Statewide Collection Services Corp. has contacted multiple times threatening to sue starting back from XX/XX/2021 mentioning a pending lawsuit. 

Statewide Collection Services Corp. has also stated myself and my husband have agreed to a one time payment with their company and we have not.

In addition, Statewide Collection Services Corp. collection agency has harassed me by calling me with aggression challenging me to argue via phone and have submitted deceitful credit inquiries on my and my husband 's credit reports monthly. Statewide Collection Services Corp. did not have a legitimate business reason or permissible purposes for a credit inquiry.

At this time, Statewide Credit Services Corp. has practiced abusive, deceitful, false and misleading debt collections practices.

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 2022-07-26
Company: OneMain Finance Corporation
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ONEMAIN has engage in unfair behavior and willfully noncompliance with the law. knowingly using deceptive tactics on undermine my credibility and give lenders the wrong impression. On XX/XX/2022 I sent a letter to onemain and they did not respond and also I sent the second letter to onemain on XX/XX/2022 and ask the for the second to third time that I request onemain and XXXX on XX/XX/2022 and XX/XX/2022 to please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have added copies to show how onemain falsify information or took information from my disputes and refurbished as new. Also in my copies you see were onemain has scratch out my name and removed it under the so call signing line these documents are false. The address and account number that onemain report under my social on my credit report is incorrect I did not open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
equifax has been reported item on my report ... i have asked who verified this account who they speak too how did they verified it ... ..i reported it ..and i have XXXX or XXXX letter stating that it was verified ... thats all but I 'm requesting information and they do n't provide me with any proof ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: SYNCHRONY FINANCIAL
State: IN
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:
15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C

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 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2019 Amount of {$510.00} Tried disputing it and ask for verification that it was me but they keep saying that it was

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 2022-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The thief is using my credentials to apply for banking and credit cards in my name. Everyday and email shows up with a new application in different states. I have been calling the banks and let them know is fraudulent. Which they are having time to believe me! Its been overwhelming for me Im in XXXX about it! What can I do to make this stop! Its been continuously going every day! Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing my complaint because Equifax refuses to stand by their rules and standards as a company. I disputed an item on my credit XX/XX/2016. It is now XX/XX/2016 and the item still reads that it is under investigation on my credit report. Equifax refuses to delete this item after 4 months. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax is reporting XXXX XXXX student loans all with account number XXXX on my account as " 120 plus days late '' as the " current status. '' These loans were transferred and sold years ago and they are currently reporting twice. I demand that these loans are deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: TX
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 XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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: Their investigation did not fix an error on your report

Complaint:
how can an account be late 90 days 11 times after it was closed on XX/XX/2018 and charged off XX/XX/2018 on a voluntary repossession THIS IS INACCURATE REPORTING

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 2022-04-22
Company: OneMain Finance Corporation
State: IN
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:
15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
this debt XXXX XXXX XXXX was in bankruptcy XX/XX/XXXX. Per XXXX and XXXX they both show this to be XXXX balance and filed in bkruptcy,,, Equifax does not. Put in a dispute on XXXX XXXX with Equifax and then again to check on in XXXX XXXX, and then again to check in on XXXX XXXX. XXXX XXXX the girl said " XXXX '' said to send in documentation and will be resolved within XXXX hours. I did send it in on XX/XX/XXXX showing the bankruptcy papers and today I called in and no one would even speak to me. I being the wife of the account in dispute spoke to everyone since XX/XX/XXXX and today they do n't want to speak to me. All I want is this cleared if I sent in documentation for this and seeing that the other XXXX credit reports show it cleared as well. This should show XXXX balance and in bankruptcy. XXXX account was for XXXX Bank sent in as a dispute to state this is a XXXX balance. It shows as XXXX balance but Equifax is refusing to remove the dispute. On this XXXX the XXXX balance is correct it just needs the dispute information gone we are NOT disputing a XXXX balance account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-21
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am applying for a home mortgage and all XXXX credit entities show an outstanding bill for XXXX ... 
I have never had an XXXX account. It does not belong to me and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Although Equifax claims to have investigated an earlier request to block items from credit profile, I have yet to receive confirmation of blocked/removed items. The prevailing belief is that Equifax is not properly meeting its due diligent requirements. For instance, the organization is content to parrot " XXXX '' data or subcontract its due diligence to a third party vendor. Moreover, there is no supporting evidence-indicating possession of goods, services or money ( received by me ). Contrary to other credit reporting agencies ; i.e. XXXX, XXXX and XXXX, despite an abundance of evidentiary documents, Equifax has refused to block/remove select derogatory items and continues to report unsubstantiated data. 

Appropriate identity theft affidavits, police report and signed ( earlier notarized ) documents were properly executed and forwarded to your organization. Thus, the expectancy is this would allow completion of affirmative action ; i.e. block negative reporting items. More importantly, in an effort to clear self of an errant and unsubstantiated credit profile data, I seek CFPB assistance. 

Because Equifax has a systemic history of non-compliance and FCRA violations, I have little confidence in agency efforts. Thus, in preparing a formal judicial complaint, I seek ( and encourage ) appropriate corrective remedy to include removal of the following trade lines : XXXX THIS IS NOT MY ACCOUNT XXXX THIS IS NOT MY ACCOUNT XXXX THIS IS NOT MY ACCOUNT XXXX THIS IS NOT MY ACCOUNT XXXX THIS IS NOT MY ACCOUNT XXXX THIS IS NOT MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. These are the only adverse items on my credit report and it has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX XXXX Bank previously XXXX XXXX Bank they have refused to comply. Litigation Case XXXX XXXX XXXX XXXX XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: Seterus, Inc.
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been through mediation meetings and have done all the required steps that Seterus has asked of me regarding my deceased husbands mortgage/loan that I inherited after his death in XXXX, but they still have everything under his name and social security. I have been trying for two weeks to find out when they supposedly mailed my permanent modification documents for my review and signature but they can not say when. Even my XXXX counselor tried calling on my behalf and they would not talk to her. I get only machines and everything is still under my dead husbands rates ect. 
I made my XXXX trial payments on time and they even addressed it to him. I am getting nervous since XXXX XXXX. is coming quick. I do not even know if my payment will have to be on the XXXX of the month like his was and what percentage rate I will be at now. He has been since XXXX at a 7.12 % which I always said was ridiculous and should have been lowered along time ago. My filing a Small Estate Affidavit with the Courts should have resolved all the issues of addressing to him and not me, but it has not!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 a hard inquiry on my credit from each reporting agency on XXXX XXXX for a loan I never applied for.

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 2020-08-04
Company: EQUIFAX, INC.
State: IL
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:
We purchased windows for our home XXXX a loan in the winter of 2019. The conditions allows us to pay off the loan in 2 years without the penaltyOf accrued interest. We have been making payments on the account, so far we have paid {$7000.00}. On all credit 3 credit reports the paid amounts are not being applied to the outstanding balance. The balance shown, is the original balance. I am seeking resolution in this matter. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have allot of inquires on my credit report because i was shopping for an auto loan i feel they need to be lumped together but they never where and its impacting me in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I received a copy of my credit report, and found out it reported a public record of a Chapter XXXX bankruptcy case # XXXX and a second one that was dismissed reported by Texas Federal Court. I contacted the Texas Federal Court in reference to them reporting a bankruptcy on my credit report, and they informed me that they did not report bankruptcies to credit bureaus. They also informed me that credit bureaus get their information through third party sources such as XXXX XXXX who only does electronic verifications. I asked them to verify if XXXX XXXX filed a bankruptcy, and they informed me that an XXXX XXXX filed a bankruptcy, but they could not verify it because the social security number I provided them did not match. 
Under the FCRA, creditors who furnish information about consumers to consumer reporting agencies must:1. Provide complete and accurate information to the credit reporting agencies ; 2. Investigate consumer disputes received from credit reporting agencies ; 3. Correct, delete, or verify information within 30 days of receipt of a dispute ; and,4. Inform consumers about negative information which is in the process of or has already been placed on a consumer 's credit report within one month. 
Based on the Fair Credit Reporting Act, A furnisher of negative information must notify the person that they are reporting negative information on his or her credit report. Second, the furnisher must report accurate and factual information to the credit reporting agency. The Texas Federal Court informed me that they did not report bankruptcies to the credit reporting agencies. They did inform me that a bankruptcy filing was public record, and that a person that certain information such as a social security number is redacted from their files. Therefore, no one can accurately determine if they have the correct person who filed a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Seterus, Inc.
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am behind on mortgage payments due to medical reasons. I applied for assistance from my loan servicer Seterus. My mortgage account was charged ( XXXX ) in legal fees seven days after submitting application for assistance. The following month I was served foreclosure papers. I feel Seterus is in violation of The Dodd Frank Act.

Company response to consumer: Closed with explanation