BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is reporting an inaccurate payment history ( 60 day late XX/XX/2021 ) with no prior late payment. They will not allow me to speak with anyone in their credit reporting department. 

XXXX XXXX toll free number ( XXXX ) which identifies itself as their " credit bureau reporting department '' does not provide me with a live person, nor does it give an option to discuss the inaccuracy. The message directs me back to the credit bureaus and then, abruptly hangs up. 

The credit bureau - Equifax - will not conduct a proper investigation. They are not providing me with a complete and accurate report. They will not contact XXXX to verify account information. Will not conduct an investigation as required by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
AMERICAN EXPRESS XXXX. XXXX  XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX Please provide the following :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: AmeriCollect
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi. I was given a treatment by MD without taking a consent from me and explaining that it could result charges insurance may not pay. Now collection agency Americollect , Inc is reporting this dispute to credit bureaus. I asked collection agency to provide me the proof of consent given to MD for this medical treatment but they couldnt. 
Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have worked in public service since XXXX and have been paying on my student loans for the same length of time. In XXXX I contacted Great Lakes ( my student loan servicer at the time ) and let them know I was interested in being on a payment plan that would allow me to qualify for the Public Service Loan Forgiveness ( PSLF ) program. They put me on a plan and I continued paying monthly for years. While researching sometime in XXXX, I became confused at what payment plans qualify for PSLF because my current plan didn't appear to be listed on the websites I was reading. I contacted Great Lakes to inquire about this and they changed my payment plan at that time. Now that my student loans have been transferred to XXXX XXXX, they inform me that for the three years of payments from roughly XXXX - XXXX, the payments do not count towards PSLF because I was on the wrong payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: EQUIFAX, INC.
State: FL
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:
never sent results of investigation, and took longer than 30 days as I never got a response! Yet the bad information remains. multiple letters and i've only attached XXXX. 
in regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to Transworld Systems in XXXX. I haven't received a response from the company to provide validation of debt to date. However, they continue to report this debt on my credit report without providing proof of a signed contract. Please have this collection removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've been monitoring my credit score and my credit reports because I wan na buy a house, well on XX/XX/XXXX I received an email alert that my Trans Union Credit score dropped 20 points, all my accounts are up to date, all my accounts are paid on time even before they are due I made a car payment 2 weeks in advance and within a week my Trans Union score had dropped. I called them and they said they would initiate a refresh well that only brought it up 2 points. I am trying and hoping to buy a home next year and have been diligently working on this. My XXXX and XXXX are in line with each other, my Trans Union was always behind 20 points and now it's 40 points behind. This is not right for a company to weld so much power over your life and future and not take responsibility for their error or computer glitch or something. 
If this has happened to me how many other people have had the same experience with them. 
Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX to XXXX Struggling to pay mortgage, home was worth less than the mortgaged paid. Reached out to XXXX XXXX for help they told me to do a loan modification because behind on payments to avoid foreclosure. I wrote letters every month. They told me I do not need a lawyer but foreclosed on my and short sold my house to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: EQUIFAX, INC.
State: SC
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than record by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was paid through XXXX  last year 2020. Plus the account is over XXXX years old and has an incorrect start date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: CA
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 don't have any financial obligation to these companies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: Google Compare Credit Cards Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am the owner of a residential property ( condominium ) which was being leased to two tenants in XXXX. As required by the residential lease, on XX/XX/XXXX, a partial month 's rent payment of {$600.00} was paid to me by the tenants using Google Pay, a digital payment service. I accepted this payment and it was deposited into my physical bank account. 

Nearly five months later, on XX/XX/XXXX, one of the tenants fraudulently disputed this transaction with their bank. This bank, without notifying me, investigating the claim, or receiving my consent, accepted the tenant 's claim as truthful and, according to Google, demanded the {$600.00}.

Google then ( again, without investigation or my consent ) acceded to this demand and unilaterally pulled this amount from my Google Pay account ; since I use Google Pay as a pass-through/payment app and not as an account to store funds, my balance is typically {$0.00}, meaning that this action by Google left me with a - {$600.00} Google Pay account balance.

I contacted Google via online chat, who told me to file a form to start an investigation, which I did on XX/XX/XXXX. On XX/XX/XXXX, Google stated the following : " Thanks for contacting Google Pay support. We determined this dispute claim is invalid. In the disputed transaction, you claimed an amount through Google Pay. We found no system errors and as advised, if it was canceled from the counterparty, you have to contact them directly to get the funds back. The Error Resolution Policy specifically states that any, 'Customers are solely responsible for disputes and GPC is not a party to and will not be responsible for any disputes between Customers. ' Further action may be taken against the other accounts involved. Due to user confidentiality, we cant discuss the outcome of any investigations with you or them. If you have any other questions about Google Pay, reply to this email. '' I responded by stating that their statement was openly contradictory, as they already HAD intervened in the so-called dispute by unilaterally taking {$600.00} from me and accepting the tenant 's ( and their bank 's ) claim as factual. In later emails, they stated that they " can not process a refund for a transaction disputed by the counterparty '' ; again, this is openly contradictory, as they processed a refund for the tenant simply because the tenant made a complaint. No investigation, no notification, just a sight unseen pull of money from my balance to the tenant. I advised them that in this state, stealing {$600.00} is first-degree petit theft, and that, by blindly granting {$600.00} to the tenant and subsequently refusing to assist me when notified of the fraud, they are aiding and abetting that theft. Google has since stopped responding to my emails, despite my attempts and offerings of documentation as to the legitimacy of the original rent payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent the documents Experian required as listed One copy of a government issued identification card, such as a drivers license, state ID card, etc. 
One copy of a utility bill, bank or insurance statement, etc.

Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years ( an official report filed with an appropriate federal, state, or local law enforcement agency, including the Federal Trade Commission or the U.S. Postal Inspection Service or others, the filing of which subjects the person who filed the report to criminal penalties if the information filed is false All was sent, as requested and they continue to say they did not receive the documents which are attached again to this complaint. 

An Experian rep started screaming at me on the phone for no reason. Every time I call to ask for a supervisor they get upset, claim one will call or they put me on hold and hang the phone up on me. Experian is not a reputable credit company. No company should give so many problems, it's unusual. 

Its against the law for them to publish accounts in dispute, this account has been in dispute for months, and they keep harming my credit score reporting it. I think it's because I'm a XXXX American, they feel as though they can harm me and get away with it. I have all the reports to prove what I'm saying and will be filing suit against experian over this issue.

My credit score was XXXX now its XXXX because of a false account that experian has received all documents requested to remove as well as my formal request to remove it. 

They are not a credible company anymore.. They just continue to lie while harming my financial record and wasting my time. 

No supervisor has called, nothing they say is accurate, and its been XXXX weeks, in which time I requested a call no one has called.

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX

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 2021-03-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
Upon review of my credit reports with XXXX, XXXX, and XXXX, I noticed an account that did not belong to me. I immediately disputed this account via USPS certified mail ( dated XX/XX/XXXX ) with the three credit bureaus. XXXX  deleted said account. XXXX and XXXX responded that the account was verified, but did not provide proof of how it was verified, or what was provided to them to verify the account. 

Portfolio Recovery Associates, LLC then contacted me via mail, claiming that they had completed their investigation and determined the debt to be valid, attaching a billing statement as proof. 

I responded to Portfolio Recovery Associates, LLC by USPS certified mail on XX/XX/XXXX, asking them to validate this debt with evidence bearing my signature, and they failed to do so. Their subsequent responses have only included the same billing statement referenced earlier. The same happened after I mailed them again on XX/XX/XXXX. 

It seems that Portfolio Recovery Associates, LLC is also attempting to commit fraud, because the date they purchased the debt is the same as the date opened listed on my credit report, which doesnt make any logical sense, and is illegal. 

It seems they are trying to take advantage of consumers ignorance of the law and their rights, by reporting debts to credit bureaus that they have no legal right to collect, let alone report. 

I have contacted my attorney, who has advised me to move forward with a lawsuit. This is my final attempt to resolve this matter with Portfolio Recovery Associates, LLC. If they do not request removal of this account from my credit reports, and if they continue to pursue collection activity, we will have no other choice than to move forward with litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX sold my mortgage to NewRez. My XXXX  XXXX XXXX continued to take auto pay money from my account and pay XXXX. In XXXX XXXX returned the money to me. I did not know that the mortgage was sold I had no idea what NewRez was. I missed two months of my mortgage payment due to the transition. I called XXXX  and found out the mortgage was sold. I called NewRez to make payment using my checking account. I paid 2 months and got caught up. They did not process the payment. A month passed when I got a notice saying Im 4 months behind. I called NewRez again and I paid. This time they did process the payment. NewRez charged me {$220.00} in late charges. The representative said he did not have the power or authority to refund them even given the circumstances. I asked for a manager and they did transfer me. The manager told me that she would pull the recorded tape and get back to me by XXXX XXXX that day. She did not. Of course, she would not give me her last name or extension.

NewRez on line systems are sub par. When I called last week, for 2 days I could not get the customer service line. As soon as I would choose 2 for support, the line was disconnected. 

All I want is my {$220.00} back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
Aidvantage denied my application for an income driven repayment plan that was approved by and sent to them by the department of education because I had regularly paid on my loans during the payment pause. Yes you read correctly, Aidvantage said because I was paying my loans during the pause that my loan was in paid ahead status. and because my loan was in paid ahead status, I could not be placed on an IDR plan. So basically I was punished for paying my student loans during the payment pause. The denial of my IDR from aidvantage said I had to call Aidvantage customer service and request to be taken out of paid ahead status. It took over an hour for me to reach someone and when I did, it took another hour for them to research my account only to end the phone call saying they have put in a request to have my account removed from paid ahead status and to call them back in 9-10 days to see if my account has been taken out of the status and to reapply yet again for another income driven repayment plan at that time. It should be noted that I am also under PSLF as a federal employee and the IDR plan was tied into that.

Company response to consumer: Closed with explanation