BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have checked my credit report that Experian sent and they claim to have verified data that is inaccurate. I was sent no proof, just a updated report with the same inaccuracies. I have attached a letter to prove the inaccuracies from the most updated report I received from them # XXXX. This is my due diligence to correct these inaccurate items. Any response that claims the verbiage is similar to a third party will be considered a stall tactic and recorded to support a claim in small claims court and a FTC complaint. Attached is my identification and letter proving the inaccuracies.

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 2016-07-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because my requests have been ignored by Experian. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''.

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 2016-06-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been working with Experian for a few months now, XXXX I think and they are giving me a hard time. I have XXXX accounts with XXXX that they are reporting 120 days late even though the account has a XXXX balance and I havent made a payment on it in months!! I dont know why they are doing this!!! They are doing the exact same thing to XXXX XXXX accounts. An account can not be 120 days late on a XXXX balance, it is just not possible!!!!! Its against the Fair Credit Reporting Act and the Fair Credit Billing Act ( I looked these up on XXXX. ) There are also XXXX judgments that have the wrong filing dates. No matter what I do and say, they refuse to do anything.

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 2017-03-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There is a collections account on my Experian credit report that contains incorrect information. I am disputing the XXXX XXXX XXXX ( " XXXX '' ) collections account on my credit report as it contains incorrect information. XXXX has illegally reported incorrect information on my credit report in retaliation for filing a complaint agains them. The XXXX collections account on my credit report needs to be removed immediately as it is incorrect.

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 2015-07-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX failed to remove my father 's credit card account from my credit reporting agencies. They removed it from XXXX, but failed to remove the item from XXXX and Equifax. When I put a dispute in for XXXX and Equifax, they updated the status as " update '' indicating that the account belongs to me. I put another dispute in today with XXXX and Equifax. I expressed the account belongs to my father XXXX XXXX and my purpose on the account was to be listed as an Power of Attorney " ONLY ''. My father is XXXX years old and I am his daughter assisting him with his fiscal responsibilities. However, XXXX XXXX XXXX without my knowledge or authorization and without my father 's knowledge or authorization added me " XXXX XXXX '' to my father 's account as a XXXX cardholder. At no time did I receive a credit card, nor did I make any purchases with a card. I did not open up any line of credit with XXXX XXXX XXXX nor did I sign any documentation to request a line of credit. I am requesting that XXXX XXXX XXXX remove their account from all credit reporting agencies. I am not responsible for any line of credit with XXXX XXXX XXXX nor is this my account. I also put in a dispute with XXXX File number XXXX on XXXX, and the XXXX XXXX XXXX item was removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
An IRS lien was filed, released and withdrawn. Equifax has failed to remove it from my credit report, despite several written requests that included extensive documentation. Details are in the attached files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a previous complaint # XXXX to CFPB as Equifax had no data for my loan office to obtain. I was contacted by XXXX XXXX from Equifax whom asked me to provide a copy of my drivers license and Social Security card so she could verify my identity. After numerous back and forth conversations, she advised me that my account was taken care of. Well needless to say, my account is far from taken care of. I am attaching a copy of the credit bureau data for all 3 credit reporting agencies and Equifax is showing me a credit score of 4 with no data and both XXXX and  XXXX  have a credit score for me of XXXX & XXXX and substantial reporting data. Equifax is restricting my ability to be able to secure a home loan as they have no reporting data for me and a credit score of XXXX  How can a credit reporting agency impact a consumer this way? I know the CFPB takes matters like this extremely important. I feel I am not being treated equally and I have asked numerous times for Equifax to explain what happened and why this has become quite the cumbersome task that I am asking them to complete. Doesn't Equifax have an obligation to report the facts on my credit report? How can the facts be reported accurately from 2 other credit reporting agencies? 

I have reached out to Equifax numerous times since XX/XX/XXXX and it is no longer good for my health or well being to be put in this situation. I feel they are discriminating against me based on my background that I have shared with them and my age which is why I am asking the CFPB to get involved and resolve this matter. I have been working with XXXX XXXX, from XXXX XXXX XXXX  for almost a month now and he is waiting on answers as well to why he can't obtain any information on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Please note that a company using the names XXXX XXXX XXXX or XXXX at XXXX XXXX XXXX XXXX XXXX, SD XXXX phone number XXXX keeps placing a previously charged off and deleted mortgage lien item on my Equifax credit report since XXXX 2015. Each time I file a dispute, I receive a report from Equifax that it is being reported correctly, which it is not. Then, the item disappears and re-appears under a subcompany name. See items attached. I want this to stop, and for Equifax to be penalized for allowing this to repeatedly occur on my credit report. For example, I just received my XXXX Equifax resolution. It again reports that Equifax verified the item belongs to me. Yet, when I log on to dispute the item it is no longer there. So, I wonder when they will put it back on my report again. I have not had any business with this company, and want this to stop. Please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing this regarding my mortgage servicing company Seterus, Account # XXXX. The phone # is XXXX. XX/XX/XXXX I received an escrow statement from Seterus the statement indicated that my mortgage payment of {$850.00} was increasing to {$1000.00} due to the fact that the escrow was {$1200.00} short and that my town taxes had gone from {$1900.00} to {$3600.00}. I contacted Seterus and told them that my taxes were the same as they have always been and there was no increase. Then asked why they were billing me {$3600.00} for town taxes. They instructed me to call their escrow company XXXX at XXXX. Upon contacting them I told them about the mistake in the town taxes and that the reason why the town levied them for {$3600.00} was because Seterus failed to pay the school taxes of {$1500.00} for the year XX/XX/XXXX. The town XXXX then added that figure to the town taxes of {$1900.00}. They also included interest of {$170.00} which they are holding me liable for. XXXX indicated to me that they would run a new analysis and correct the situation within 10 business days from XX/XX/XXXX I then proceeded to contact Seterus XX/XX/XXXX and they said they were waiting for the analysis. I contacted them again XX/XX/XXXX and was informed that it would be at least another 30 days to complete their analysis. I explained to them that they were over charging me {$250.00} on my original mortgage payment and they were also charging me the interest on the {$1500.00} from the school taxes that they failed to pay XX/XX/XXXX. The money was escrowed and still is being escrowed I was informed by Seterus that if I did not make the XXXX payment of {$1000.00} it would go against my credit report and that if I paid less than the {$1000.00} they would not apply the payment and I would still be held responsible for the full amount making me late on my mortgage. This is totally unacceptable I am being charged {$250.00} more per month on a mistake they made by not paying the taxes XX/XX/XXXX and my normal mortgage payment of {$850.00} is no longer valid. My town taxes consist of {$1900.00} insurance of {$530.00} and school taxes of {$1500.00} for a total of {$4000.00} instead they are escrowing {$5800.00} a {$1700.00} which is the school taxes plus the interest that they did not pay for XX/XX/XXXX which they are penalizing me for. 
Please help us in this matter for Seterus and XXXX have given us nothing but a song and a dance and are illegally collecting money that they do not have coming. Thank you for your time. 

Sincerely XXXX XXXX and XXXX XXXX XXXX XXXX, NY XXXX # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan fell behind XXXX months because of a job change, I was attempting to make a payment over the phone. I have money coming in XX/XX/XXXX and I explained to the company I wanted to make XXXX payment on Friday XX/XX/XXXX. They refused to take my full month 's payment unless I agreed to pay for XXXX months worth that was predated. This company, U.S bank XXXX mortgage is clearly violating UDAAP provisions because I 'd still be taking credit damage and late fees in spite of making payment arangements, which is undue financial damage to me.

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 2017-01-15
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
*****this is not a request to put any personal freezes or fraud alerts on my account**** There are XXXX specific items that are reporting on my credit file that are not meeting FCRA guidelines under section 609. I have continued to ask Equifax to send me the proper documentation and they refuse. The original creditors have not responded to my requests by writing and that process started back in XXXX of 2016 so enough time to respond but have not. 

1. XXXX XXXX XXXX in XXXX XXXX MN XXXX as told me on the phone that they do not have the original signed documentation for this debt of {$100.00} and yet Equifax still lists it on my credit report. They are specifically violating section 609 and no on wants to do anything about it. They have already been fined for breaking the law in the past and this is no different. This account can not be properly verified or validated and yet they keep reporting it on my credit file. 

2. XXXX XXXX XXXX is trying to collect on a debt from a XXXX XXXX XXXX. When I have reached out to this practice they can not produce any signed documents from. Also when I asked them to produce a signed HIPAA release form showing that if I were the patient owing this debt that I gave them permission to release any part of my medical file so they are technically in violation of Federal Law. Equifax can not verify this debt per section 609 with an original source document. 

Please understand that it is not my responsibility to reach out to these companies and to verify the debt. If you are going to list a negative item against me you must produce original documentation with my signature showing this debt is mine and you have been unable to or unwilling to do your job per the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX I do not recognize nor have I authorized these inquiries. I have a fraud alert on my credit profile and the above listed inquiries should not have been generated without contact and permission form me first. 

Please have experian delete these from my 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 2016-12-06
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
An item was reporting on my account that was not mine. I asked both Equifax and the creditor for validation per FCRA rules. This was removed as a result since it could not be verified. I just noticed that this account has been put back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: ERC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After receiving a discharge letter from this company since this was a result of a missed appointment with a company i never signed paperwork with and refused to pay since I was under no contractual obligation to show up the company continues time and time again to place it on mt credit in hopes i will pay it. Extortion for a debt I do not owe. They are ruining peoples lives doing this. Please sanction this company from doing so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: EQUIFAX, INC.
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I went to purchase a new vehicle and authorized the dealer to check my credit. I now have XXXX inquiries on my report although I only authorized XXXX. It has severly damaged my credit score. Equifax is showing XXXX recent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX inquires on my credit file that are not mines i have submit paper work and called and still havent recieved proper document. I have noticed that name is mine but the social security number and other personal information are not mines im jut trying to get the inquires deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
XXXX XXXX XXXX XXXX is False Report my Business Account of my employment. XXXX continue to report this on my personal credit report making false reports, late fees, and is discriminating against a person with a XXXX. My credit report has severally hurt me by a XXXX points because of XXXX XXXX XXXX XXXX. I have all documents to prove False Reporting against me. I have also reported a Investigation with the XXXX XXXX XXXX XXXX, Colorado Discrimination/ Fair Housing Act for XXXX, XXXX XXXX , etc. Please have this removed from my personal credit report ASAP. It is being reported on Equifax & XXXX Credit Agency. Please Help!!! ... ... .. Sincerely XXXX XXXX XXXX. XXXX payments are due every month on the XXXX with a 10 day grace period with NO LATE fee. I have all receipts of my payments. Never Been Late!! Business Account!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: GOLDMAN SACHS BANK USA
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:
According to my consumer report I received dated XX/XX/XXXX and XXXX XX/XX/XXXX. I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. 

Due to your companys neglect and unjust actions it has cause damage to my consumer report. You company fails to thoroughly investigate and you staff has given misinformation on important information constantly on recorded phone lines! 

Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. Inaccurately. These accounts should PROMPTLY be updated as PAID/ON TIME : XXXX Bank XXXX XXXX Acct. # XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I asked Equifax Of my payment history dating from now until 2007 for creditor XXXX and Equifax or XXXX can not provide me with my payment history dating back to 2007 the beginning of my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is an unauthorized and fraudulent account from XXXX XXXX for {$270.00} listed on my Equifax credit report. This account do not belong to me. I have never had an account with XXXX XXXX. The account is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The institutions are implying I filed XXXX bankruptcies within a 2 year span. This was the same case and was discharged XXXX/XXXX/2012. It was initially filed in the XXXX Bankruptcy Court XXXX XXXX This is allowed because of the closeness XXXX. ) I was a XXXX resident at the time. XXXX of the creditors, XXXX XXXX XXXX protested the XXXX XXXX Courts XXXX and the case was dismissed on this technicality and reopened XXXX. The other sited dismissals are movements through the court or a conversion from Chapter XXXX to XXXX. Mortgage Investors denied my XXXX Dream mortgage based on this inaccurate information. Whoever reported this did not read the case and reported this in bad faith and in lieu of an understanding of Bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Seterus, Inc.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My attorney ( who was authorized by me ) submitted a request for a Mortgage payoff statement 2 weeks ago to Seterus Inc. She was told it could take 7-10 business days. She followed up several times during that period and was told that it was still within the acceptable window and that the statement was being processed. She was given information during that time frame that she should not have received if she was authorized by me to do so. I followed up today and was informed that she was never truly authorized and that it will take an additional 7-10 business days. Neither me nor my attorney was informed of this. Quite the opposite, we were told everything was within standard procedure. Now, instead of being able to close I may not be able to sell this house. A process that most companies can do in a couple of hours take Seterus a month. They are holding on to the money as long as possible to try and make as much as they can off of the interest, meanwhile I am in jeopardy of being financially ruined. They told me they have the ability to escalate this request, but refuse to do so. Their underhanded business practices and complete lack of compassion and even human decency is appalling.

Company response to consumer: Closed with explanation