BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Over the course of almost one year I have disputed an incorrect address that Equifax has on my personal credit report. Equifax will investigate the incorrect address, send me a letter stating the results of their investigation which states that the address has been removed and then reinsert the address a few weeks later. They have done this multiple times ( see attached documents directly from Equifax ). They have also NEVER sent me notification that the incorrect address has been reinserted into my credit file. 

I have repeatedly sent Equifax copies of their results letters indicating that the incorrect and disputed address have been deleted. I have sent letters asking them to follow the FCRA, specifically section 611 which talks about reinsertion of previously deleted information. 

Enclosures Copy of FCRA 611 Copy of Investigation Results Letter dated XXXX XXXX, XXXX Copy of Investigation Results Letter dated XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The information that my XXXX was included in my bankruptcy is incorrect. We actually reaffirmed our mortgage and have NEVER missed a payment! We are still current on it. Please correct the reporting of this information as it is hindering my ability to refinance my mortgage. This is a direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent a request to Equifax , that I will attach, along with my ID documents in XXXX. I just realized they never responded to my letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23
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: Was not notified of investigation status or results

Complaint:
My child support payments were all paid and should have reflected paid in full with Experian but Experian failed to do an investigation, they did not update the status.

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 2018-05-28
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CBE Group is reporting a debt on my credit report for {$29.00} to XXXX XXXX. I do not and have not ever had any business or agreement with CBE Group or XXXX XXXX. I have not lived in an area where XXXX XXXX is even offered. I notified that this debt is not mine, and furthermore, the reporting dates are during a period when I had no permanent address. I was living in a hotel and have records of my previous address move-out date, records of my hotel stay, and record of when I moved into my next residence. This company is still fraudulently reporting a debt on my XXXX   credit report and I am concerned what other personal information they have of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
YOu still have not read the court order that You MUST delete the Bankruptcy in the state of VA ARE you reading????? 

I address the inquires and TOLD YOU AGAIN THE COMPANIES DO NOT RESPOND!!! WHEN THEY DO RESPOND THEY TELL ME THE SAME THINGS YOU DO. YOU POINT THE FINGER AT THEM THEY POINT IT AT YOU. NOTHING GETS DELETED!!!!! i NEED THIS SOLVED!!!!!! 

this IS NOT SOLVED I GET THE SAME XXXX ALL THE TIME. THIS IS why YOU GUYS GET SUITED. DO IT HAVE TO DO THE SAME???? 


i give you everything you ask for!!!!!!! and I still verified!!!! if you have a problem contact the companies that accessed your report. I have done that and they go who are you again??? send us more info!!! send us your picture id done that. send us your diver ID done that, we can find you contact the the credit report agency they placed the inquire on your report not our problem. I ask them remove it .... we ca n't find any record of you ... contact the credit report agency. i do that and you go verified!!!!! 


I need this deleted this is why need people to see this so many poepl have the same problems From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. 
The credit Bureau will not correct my address I have sent over 10 letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. 
I have sent over 10 letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. 
By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. 
The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. 
This is what needs to be done 6. 
a. remove all fraud alters 7. 
b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. 
c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report I called and the woman on the phone at your credit agency did not believe i was who I said i was but told me to call.!!!!!!!!! 

I need this resolved!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed a dispute regarding some deliquencies reported on my credit report by my student loan XXXX where I was granted a forbearance prior to the date of the delinquencies through a date after the delinquencies, and requested that my information be updated pursuant to FCRA 623a2B stating that Information must be updated as it becomes available! I sent the information in and the credit reporting agency did not update my information or investigate the information with the creditor and have them verify or respond to the updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Both last year and this year, Equifax refused to generate a credit report online and wanted me to fill out a form and send sensitive information through the mail. Last year, they generated the report online after several days of trying. Since it happened two years in a row, I think this is just a scam to avoid their legal obligation to generate the credit report. 
I want to report Equifax for illegally throwing up a barrier to avoid their legal obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax - reporting incorrect information. Sent proof that balance they are showing is incorrect from collection company Making payments directly to original medical billing per their agreement to do so, not the collection agency. Sent proof, including statements, cancelled checks that payments are being made directly to medical company. Equifax stated investigation all will remain the same even though all information is incorrect and proof was sent stating such.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: American Title Corp
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
At closing it was agreed ( in writing ) I would promptly receive refund check. Weeks have passed. I have written three times to title company. No check. The company is : American Title Corp XXXX. 
XXXX, FL XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian and XXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2016-11-15
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have had an extra20 account with Santander Bank for over a year, which provides its clients with {$20.00} each month that they satisfy two requirements : 1. Received a direct deposit of {$1500.00} 2. Make 2 bill pays Since XX/XX/2015, I have received the {$20.00} bonus for satisfying these requirements each and every month. During this time, I have not changed anything, and now since the billing period beginning in XXXX, they have refused to honor the promotion. Instead, I was charged a $ XXXX monthly fee, which I was able to get refunded after escalating to a supervisor. Once again, neither the origin nor the amount of the direct deposit has changed over the entire course of my relationship with Santander Bank. I have since spoken with a Santander representative and opened case numbers 4 times, each time being reassured that they would review my account and correct the mistake. 

I was provided no advance notice that my direct deposit would no longer qualify for their terms due to a change in their internal policy. At this point, I am due {$40.00} in payments and they have not been able to resolve the issue. To make matters worse, this resulted in my account incurring fees, requiring me to get them reversed.

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: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is an address on my equifax credit report where I have NEVER lived. 
How can I find out why this address is on my report?? 
It is a XXXX Illinois address and I have NEVER lived in XXXX Illinos or Illinois. 
Hope to hear something soon??? 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
When I apply for credit and receive a " Risk-Based Pricing Notice '', the notice describes " Key factors that adversely affected your credit score '' with Equifax as the source. From more than one bank, these key factors are claimed to be : " Serious delinquency, Number of accounts with delinquency, Too many consumer finance company accounts, Too many inquiries in the last 12 months '' So, I go to Equifax and obtain my credit report to dispute these things, however the credit report I obtain from Equifax contains absolutely no delinquencies or any other negative information whatsoever. I have also never had a " consumer finance company account ''. I am not 100 % sure what that actually means even after researching the phrase, but I have only ever had student loans and an auto loan, so I do not believe I have ever had any " consumer finance company accounts ''. 

The main difficulty is that Equifax is reporting this erroneous information to banks when they pull my credit report, but when I pull my own credit report it is impossible for me to dispute these errors because I seem to be receiving a different report than the ones the banks are receiving. The one Equifax provides me is correct, while Equifax is providing a different, more negative report to the banks. 

I might think that this was an error done on the part of the banks, but it has happened more than once from different banks using Equifax as a source, several months apart. I attempted to contact Equifax for help online or by phone, but they have no way of speaking with a human about this issue, everything is automated and only allows me to dispute information I can see. I can not dispute these strange errors that only the banks are apparently given.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
report shows my address as XXXX XXXX XXXX. I have never lived there. My correct address is XXXX XXXX XXXX. Equifax refuses to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have requested for fraudulent inquires on my credit report to be disputed in which Equifax has refused to dispute. Here is a letter from one of the fraudulent inquiries which was XXXX XXXX. XXXX XXXX has provided a letter to remove the fraudulent inquiries to the credit bureaus and Equifax has not deleted the fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a refinance with cash out in XX/XX/XXXX. The rate was locked and the loan was to be underwritten by Carrington Mortgage. I paid {$450.00} for an appraisal which was performed in ( I believe ) XX/XX/XXXX. I was told we were near closing on at least XXXX different occasions and was asked to gather all of the final payoff documents. Each time, Carrington would come up with some strange documentation request and the closing would be postponed. Each time I was asked to provide additional documentation, I provided it right away. Again, I would be told we were near to closing/gather the documents/then be asked for some obscure documentation. This went on for months. I was told in mid-XX/XX/XXXX that we were ready to close. Once again, I gathered updates for all of the payoffs. This time I was told at the last minute that the appraisal had expired and I would have to get an updated appraisal. This time, Carrington agreed to pay for the appraisal since it was their fault that we had not yet closed the loan. The same appraiser came to my home and basically updated the same appraisal that was done previously. The next thing I know, Carrington is telling me that I have to " clear debris from the bathroom '' and " cover or fill the pool ''. Both of these items were personally discussed with the appraiser each time he was at the property. The appraisal also is marked " AS IS '' and that the value of the home is not contingent upon any upgrades or repairs. By this time, the representative that originated my loan had moved to another company. I decided, since nearly a year had passed and Carrington had STILL not closed my loan, that I would start a new application with the originator that had changed companies. This loan has moved along at lightning speed and we are nearing closing. The current loan company asked Carrington to send them the appraisal that was performed in XX/XX/XXXX. They, again, have been giving us the run around and holding up my loan. Today, I personally, emailed Carrington and was told that since I did not pay for the XXXX appraisal they would not release it to the new company. Bottom line ... Carrington Mortgage has given me the run around for over a year and I now believe they knew all along that I could not get an FHA loan with the credit score I had at the time. All I want is for them to release the appraisal to the loan company I am working with nowl

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent Numerous notices to Equifax to delete the inaccurate Inquiries accounts they could n't verify or Validate to me. These accounts are not mine & need to be delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have sent 3 dispute letters to Equifax asking them to provide proof that these accounts belong to me and that I agreed to pay the debt. They have 30 days to respond to each letter. They have only responded to the first one stating that they have investigated and they will not re investigate these accounts. They have not sent me any valid documents proving that the accounts are accurate and belong to me. according to the 609 Credit reporting Act it is against the law to report unverified accounts to a person 's credit report. If the accounts can not be verified then the credit bureau has to remove the accounts promptly. They have failed to do so. The last dispute letter was sent XX/XX/2017. They 've had more than enough time to provide me with proof that the accounts on my credit report belong to me. All three dispute letters were signed, notarized, and sent with certified mail. The unverified accounts that remain on my credit report are as follows : XXXX

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

Complaint:
I have not received a final response from Equifax because they are not responding to me. After months of attempting to obtain my credit report, I have heard nothing since submitting copies of my identification over XXXX weeks ago. 

I have received multiple notifications from merchants that my credit card information has been compromised and have been attempting for months to get a copy of my credit report. The credit reporting agencies appear to be manipulating the system to make it very difficult actually to receive a report. First, I attempted to get a credit report from the website. One of the required questions was the exact amount of the payment on a car loan that was paid off more than ten years ago. Next, I attempted to order a report by telephone and was told by the system that I had to write in. Then, I wrote in and eventually received a form letter claiming that my address was unknown. My address is a house that I own and have carried a mortgage on for XXXX years ; the mortgage itself - with my home address - is surely on my credit report. The response is wholly implausible. Nevertheless, I wrote in over a month ago ( XX/XX/XXXX ) providing, as requested, a copy of my driver 's license and my Social Security card. I have received no response. 

Equifax 's conditioning the required free credit report on information no one would reasonably be expected to possess ( the amount of the monthly payment on a loan closed for over a decade ), the claim that easily verifiable information ( the address of a house on which I have had a mortgage since 2002 and for which I have all the standard utility accounts ), and the failure to respond even after I have provided all requested documentation following multiple attempts over months - all while I have been told by credit card processors that my information has been compromised and I should check my credit reports immediately - is inexcusable and, taken together, raises strong inferences of a deliberate attempt to comply in form with the requirement to provide credit reports while in practice making it as difficult and burdensome as possible to obtain those reports. I also note that I have been offered " credit monitoring '' and other paid services along the way ( for example, " Equifax Complete '' ). I suggest that the credit bureaus be prohibited from offering paid consumer credit monitoring services in order to remove the obvious conflict of interest giving them every incentive to make it difficult for consumers to obtain the statutorily mandated free reports and drive them to the paid services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am victim of mail and identity theft. Case has been filed and is being prosecuted by XXXX, XXXX Office. I have notified all XXXX credit agencies and, yet, they continue to post fraudulent information. XXXX, XXXX, is latest lender to post delinquency and seek collections, even though I notified XXXX several months ago that the application/s they 'd received in my name were fraudulent. Additionally, my credit has been dropped a XXXX XXXX (! ) points for a new mortgage and not sufficiently paying down on mortgage. This is a refi following a divorce and I have over XXXX equity in the home. PLEASE take control of these companies ; I was refused an XXXX phone service contract by XXXX Bank because of this!

Company response to consumer: Closed with explanation