vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Our home ( primary residence ), as a result of 2008 crisis, was sold at a Short Sale. The home is located in Arizona, an anti-deficiency state. More than 2 years has elapsed and our credit is now reasonable ( XXXX ) per credit karma but each of the XXXX reporting agencies show the mortgage debt which was with XXXX XXXX Bank as " Settled for less than full balance ''. My understanding is that applicable law in anti-deficiency jurisdictions is that the language under these circumstances should be ( Paid as agreed } and while I have exhausted every complaint and supervisory board request involved with XXXX XXXX, XXXX and Equifax, none has agreed to alter the statement concerning my short sale to Paid as Agreed. it is my understanding that since a borrower is not personally liable for a loan such as this, it is inaccurate for the lender or the credit reporting agencies to report the short sale as anything other than " paid as agreed ''. The XXXX XXXX loan was # XXXX with a physical address of XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Arizona XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was not certain what category to choose, as the accounts on my credit are XXXX different ones. I have a collection and late payment on my report that are unverified and the bureaus have not conducted a proper investigation. If they had, this collection would have fallen off due to inability to validate, and the late payment would have come off as I was never late on this account. I am not receiving proper correspondence from the bureaus and at no time have I received proof of ownership for the collection account that is reporting on my credit file. My right to demand this is pursuant to section XXXX of the FCRA as well as XXXX where they must legally verify with proof of immediately remove. I continue to receive documentation stating that I must go straight to the creditor because this has been " verified '', when in fact, the bureaus have the responsibility of doing this and can not put the burden on me. See XXXX. If I have to, I will sue them, but if they did their job, they would see that this is inaccurate and must be removed. According to Congress, the bureaus MUST verify that the information on my report is accurate, and must go beyond the original source of information once I notify them that this is inaccurate. They have not done so, and I can prove that I have notified them multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Equitable Acceptance Corp
State: MI

Complaint narrative:
I was not aware that the company was charging me such a large amount to them, they made it out that they XXXX a month would be going to by student loans and not them. I was also not aware that this would show up on my credit account as a credit card.

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 2016-05-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX and I want to submit a claim against Seterus. On XXXX XXXX, XXXX my bankruptcy case was dismissed. Seterus sent me a letter in XXXX XXXX, XXXX before my case was dismissed which was a sign of harassment. I was advised by my attorney that once the bankruptcy was dismissed the " creditors '' would start contacting me, but Seterus never did. I decided to call them in XXXX XXXX to see what was going on and to see what my options were as to where my home would n't be compromised. The phone just rang.. Shortly after I was disconnected. This has been going on for a while. Eventually I went on the internet to send Seterus a request on getting some type of assistance to avoid foreclosure, but their address was n't on the website and it stated that they had a class action going on against them. Since I could n't get in touch with them I assumed they were either out of business or we no longer had any business. XXXX XXXX, XXXX I received a letter from Seterus ' attorney stating that my home would be going up for auction XXXX XXXX, XXXX. XXXX XXXX, XXXX I spoke to a representative of Seterus to see if I could try doing a loan modification and I also requested my original documents stating the business I have with Seterus. The following week, I called XX/XX/XXXX and the XX/XX/XXXX to see why the documents I requested were not sent to me yet. I was advised they ended up sending it to my bankruptcy lawyer after I informed them I no longer had an attorney and they specifically asked for my address to where I wanted my information mailed to which was my HOME address, not my former attorney 's address. Because of their mistake they advised that I should take off work and try to get things handled on my own time. I advised them it was a reason I needed my documents and modification application mailed to me, but it does n't seem like they were really trying to help me. I was also advised that one of my request for my original documents were denied and that they were going to send for the request again. Now, it 's no telling when I will be able to get this information mailed to me and they have my house scheduled for auction on XX/XX/XXXX. I attached recordings of me conversing with a few representatives on different days. PLEASE help me stop this auction I need my home..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: SCV Inc.
State: FL

Complaint narrative:
I expressed to the debt collector who initially called me about a payday loan that was taken out in my name that i thought it was a case of identity theft and that i requested papers to be sent to me through mail and I have yet to receive them. She transferred me to another person ( male ) who said " looking at your file, it is apparent you dont pay any of your bills '' and cursed at me and hung up on me. All of this when i was just trying to calm him down from being rude. I told him that wasnt neccessary the way he was speaking to me, and this man hung up on me before i could get any other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler and Pressler in New Jersey has been pursuing me for a medical debt of roughly {$1200.00} for the past several months. I initially set up a payment plan as I receive low income and am supporting my 14 month old daughter. I set up this payment plan in response to being sued by Pressler and Pressler with no warning. After several months of being invoiced and paying them I stopped receiving invoices. With absolutely no warning I discovered that Pressler and Pressler had garnished and frozen my bank account in attempt to collect the debt. I called them to try to resolve the issue and the only thing they would allow me to do was make a payment on a payment plan, however they would not release my bank account to me, claiming that I needed to hire a lawyer to proceed. I had to pay them using a credit card, which I am not worried I can not pay because my bank account remains frozen. The gentleman I spoke to told me that if I do not make payments I will be held in contempt of court and will possibly face charges or legal action. Without my bank account I am now unable to pay for my housing, my credit card bills, and most importantly, provide for my daughter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over XXXX 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 XXXX 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 9. Change my address!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed XXXX different accounts that are on my Credit Report which are included on my bankruptcy yet it returns with the " creditor states it is showing correctly ''. The creditors have been informed numerous times in writing by my attorney that the accounts are a part of my bankruptcy and need to be removed yet they are still showing on Equifax. Upon dispute, these same accounts were removed immediately from XXXX but Equifax still reports them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Addresses reported on my credit report include the address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. This has never been an address for me. I have always resided in XXXX. The other addresses listed on my report are correct. Concerns me that someone in XXXX XXXX may have used or trying to use my name for fraudulent purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am a victim of identity theft and has filed a identity theft and police report with the XXXX XXXX Police Department. The police report case number is : XXXX, the following accounts are unauthorized, fraudulent and do n't belong to me : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, U.S. Department of Education, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Honestly I do n't remember when I did the dispute directly with the XXXX XXXX and Equifax. XXXX XXXX has since deleted the balance owed of ( {$19000.00} ) because of an Offer in Compromise to the IRS and a balance of ( {$2400.00} ) which I paid in full by check to XXXX. 

But sent same information to Equifax I did tell them that I had an Offer in Compromise that was accepted by the IRS, etc, but they still show open balances. 

XXXX stil shows open balances. 

Thanks for your time and attention. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed this item multiple times with Equifax and it comes back verified every single time. Agents over the phone have either completely ignored my questions regarding the dispute process or answered with incorrect information. This account does not belong to me and neither the creditors XXXX nor any other contact sees anything under my name, account number, account amount or dates that is even remotely similar to what is being reported. Every other credit bureau has had absolutely no issues in verifying that this account DOES NOT belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: RI

Complaint narrative:
We were forced to short sell our home. The sale closed, the title was transferred to the new owners. Under duress, we were forced to sign a promissory note to pay back the difference to the lender. Our financial situation has deteriorated since then unfortunately by a divorce, with XXXX young children involved. We need relief and feel as though it is unjust to pay for a mortgage on a home that we no longer own. This may force us to go into bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
So, here 's the challenge I 'm facing. 

I have XXXX accounts ( XXXX XXXX XXXX & XXXX XXXX XXXX ) that are XXXX reporting on Eqiufax and XXXX. 

The date of last activity/reporting on each should be XX/XX/XXXX. However, they XXXX have updated the date of last activity to more recent. To my knowledge, this is illegal. 

I have not made any more payments or any other type of activity on either account since XX/XX/XXXX. This is causing the statute of limitations on each account to be extended much further into the future. 

XXXX Now reporting : XX/XX/XXXXXXXX XXXX now reporting : XX/XX/XXXXI would like these errors to be corrected, as they are unfairly lowering my credit scores and damaging my current credit reports. 

If you need further information from me, I 'm happy to provide it. 

Thanks in advance! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am a victim of identity theft and have a unauthorized and fraudulent account from the XXXX. I never applied for or attended the XXXX. The following account is unauthorized and fraudulent, and I want the account deleted from my Equifax credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My plant is with Equifax Equifax is not following fcra regulations they claim that my credit file has split into two different credit files and it makes it very challenging to obtain the correct information I advise on numerous occasions that there is incorrect information on my credit report I 've sent documentation and they 're requesting documentation over and over again it is extremely frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am making another complaint in regards to the bankruptcy that is reporting on my credit. I would like to reiterate that this bankruptcy does NOT belong to me and if they had taken the time to look at the major factors that they had in their hands they would have not bothered to send the documents to me and would have in fact removed it. 

Fact # 1 : The signatures on the bankruptcy do NOT belong to me, were not made by me and I have included enlarged images of my CA state driver 's license as well as my passport for you to see the blatant differences. 
Fact # 2 : Not only was I not in the country during the date it was filed, I was not in the country during the entire year. I was out of the country from XX/XX/XXXX-XX/XX/XXXX and I am enclosing enlarged images directly from my passport which verifies this information with border stamps. 
Fact # 3 : The accounts included in the bankruptcy are not only not my accounts, but they are not even on my credit report. 

Where is their professional handwriting analysis? Where 's the affidavit that I requested? Because they have failed to remove this from my report and still " verify '' that it belongs to me, that means that they are XXXX certain it belongs to me. That also means that they should have absolutely no problem signing an affidavit, swearing under penalty of perjury, that it belongs to me. It will go great with the proof I have that this is in no way associated with me. 

I pulled the bankruptcy petition from the pacer system ( apparently the same place they obtained it from ) and am including it with this letter, notating exactly where they are incorrect. 

If this bankruptcy is not removed immediately, not only will I make a press release, but I will make another complaint with the XXXX, CA Attorney General as well as take them to court where they will need to explain why this is still on my credit report. 

US BK CT XXXX XXXX Docket # XXXX - this bankruptcy does not belong to me, nor was it filed by me or have anything to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax has a collection account on my credit report. The information is incorrect and I do not owe anything. I filed a dispute with them before and they did not properly investigate the matter. I filed again recently and I am trying to speak with someone from the company. I have call records that show I attempted to call on more than 20 occasions and they keep me on hold for long times and eventually the call is disconnected. When trying to file an online dispute they have a 200 word maximum to describe what happened, that is just not enough to describe what happened and how much damage this is causing. Due to this I was recently denied a student loan ; in the student loan form I was told specifically that the loan was denied due to the XXXX collection account reported on my equifax report. What they are doing is costing me time and money and may prohibit me from going to school to finish the last year of my XXXX XXXX XXXX. The account is charging me for a lease break and a new carpet for my old apartment. I did not break my lease I was evicted. I should not be charge for a new carpet. When I moved in the carpet was already very old. I paid my security deposit and an extra pet deposit when I adopted my dog, and I paid dog rent as well every months. I did not get any of the deposits and after living there for a year with an animal on an already old carpet, they company had to replace the carpet regardless, but I will not pay for them to remodel.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
State of florida child support delinquency collection charge offor set up payment plan XX/XX/XXXX. never got current on delinquency butcharge off account transfered to state of alabama XX/XX/XXXX. They are refusing to correct the origional delinquency date to XXXX insisting that they consider the origional date as when they took the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have noticed XXXX accounts on my credit report that I am un aware of. 
XXXX XXXX and XXXX. I have tried to contact these companies by the address listed on the report for debt validation and have gotten no response. I would like Equifax to investigate and provide me with documentation they receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Disputed bankruptcy, no dispute was placed on the credit report or was it removed, after 30 days still not reported as disputed. All other credit companies have removed said bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I would like it to be easier and less of a headache to change/add/subtract personal/important information having to do with my credit reports, credit information and possibly even my credit score! We are in the 21st century, the digital age, so why ca n't things be done digitally or possibly even maybe a little lower tech, and get it done over the phone??!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I have made multiple attempts to obtain a payoff of my loan for the purpose of refinancing. When myself, my lender or my escrow company would request a status update to the request, Seterus would either say they do not have a copy of it or say they will restart the request. I have waited 19 days as of today to receive my payoff and still do not have it. I have evidence that they have received it. I have lost hrs attempting to resolve to no avail. There is no reason it should take this long and there is no reason I should n't be able to print XXXX on my own from their website. I 'm held hostage to this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I just want To Equifax to read this and tell me what is their definition of this Federal Law? AND TELL ME WHY YOU CA N'T PROVIDE THE INFO THAT I 'M REQUESTING YOU MUST NOT HAVE IT IF YOU CA N'T PROVIDE IT? SEND IT OR DELETE IT ... .. 
PLEASE READ THIS AND TELL ME WHAT DOES THIS MEAN?????????????????

Company response to consumer: Closed with explanation