BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reached out to the 3 bureaus almost a year ago regarding my public record/rental background. I have 3 evictions that doesnt belong to me. They continue to get me mixed up with my father. Ive told them Im a XXXX   and hes a XXXX.  They told me I needed to submit documentation of the leases which I dont have because Ive never rented or owned a home at all. I just want those items removed because theyre affecting my life with me being able to rent. They cant even verify who it belongs to because the courts dont give out full social security numbers so them reporting those evictions on me are not apart of the Fair Reporting Act.

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 2017-05-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a client of  SPS Financial a nd I am in the midst  of RMA process, I  have submitted all of   the information needed for the modificatio n ( P & Ls and On-Boarding S tatement from  XXXX ,   XXXX    County Office ). However, I requested to cancel a debit for {$2200.00} on my   account ; stating instead that I will send in my payments manually ( {$1100.00} is on account - {$1100.00} to be sent ASAP to complete the   XXXX    2017 p ayment ). However, I requested on    XXXX    .2017 to  cancel the {$2200.00} debit from SPS but to no avail ; they have debited by account twice (    XXXX .201   7   ) and t oday  (   XXXXX .2017  )  to the tune of {$60.00} in Overdraft Fees. Now, I have to go to my credit union and request another Fraud Alert and reversal on my bank account to reverse these fees.
I am in the midst of doubling my income by working for   XXXX -   XXXX   County 's Office    and as a  Notary Public but I need time to ramp-up my salary to make this happen. Right now, I am collecting CA UI and  need this due consideration from SPS.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
this is for XX/XX/2018 car payment for XXXX XXXX. 

it was for {$1200.00} it says my car payment was 30 days late but I did a payment plan with them to add that payment on my last payment

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 2023-06-15
Company: EQUIFAX, INC.
State: MD
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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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 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 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05
Company: American Student Assistance
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX  aka American Student Assistance. They have a wage garnishment &amp; have intercepted my tax returns. Yet they call repeatedly ALL day long, never leaving a message. Since the garnishment took effect :  XXXXXX -  XXXX  EST   XXXX   XXXX   - 16  calls   XXXX   XXXX  -  46  calls   XXXX   XXXX   XXXX   -  9 calls

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: First Advantage LNS Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I was viewing my credit report and noticed there was a collection from XXXX XXXX XXXX XXXX for the amount of {$2400.00}. I went to verify the company 's license on the State records and found no company with that name and address that was provided under the " creditor contact details '' of my credit reports. I do believe the company is legally not able to operate in the state of Florida. I also have never received any contacts or letters from this company that they were attempting to collect anything. The original company was informed in XX/XX/XXXX that the balance they were trying to collect was inaccurate and I did not owe anything. They sent some false and inconsistent documentations that had charges and totals that weren't right. The first alleged I owed {$1300.00}, the second {$1500.00} ( Note : both the first and second documentation were sent together ), the third {$1100.00}, and the fourth {$1500.00} and {$2400.00} ( on the same document ). The charges on each document didn't match each other as well as the dates and amounts. The charges were broken down on some and the amounts are all different on each document as well as the dates. I never signed any of them as I moved out owing no balance and I received consent to find a tenant from the property manager and the day I moved all balances were settled and the new tenant signed a new lease and paid all fees and rent for that month and it was her responsibility going forward. I asked the collection company to please delete the balance/collection from all credit agencies as I don't owe them at all. I'm filing a complaint with every company I can until this is resolved. I never received any information or correspondences from this collection agency and this amount needs to be removed from all credit agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by XXXX XXXX XXXX in XX/XX/XXXX and was advised I owed a balance of {$940.00} due to a patient first bill when I was sick and ended up going to the hospital back in XX/XX/XXXX. They original bill was only {$720.00}, I agreed to pay this amount only and asked for a settlement. They offered a settlement of {$850.00}, I advised I was unable to pay this much and that I only want to pay they bill I owe. I was told I signed some " contract '' that I do not recall signing as I was INCREDIBLY ILL at the time and they are using this to get extra fee 's and charges out of me. I only owe my doctor bill and that is all I will pay. I recently call back in XX/XX/XXXX as it was hitting my credit showing the balance was increasing. I asked for a settlement for the {$720.00} and was turned down. They advised me I could pay the {$850.00} settlement right then and there or they will not settle. I could not even get a few days to get the money. Currently there is a balance of {$320.00} owed and I refuse to pay anything higher then the bill amount. I never received a letter stating anything I owe, I received a phone call. Nothing in writing ever!! It is against the law to make someone pay a debt larger then the bill amount. I will pay the doctor bill owed and that is it. I should only owe {$120.00} as I paid {$600.00} in XX/XX/XXXX for the bill of {$720.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Good morning, My complaint is regarding the credit reporting agency Equifax. Around XX/XX/XXXX I began not receiving an Equifax credit score. I was informed of this upon receiving a denial for a mortgage. The information provided was hat the company was unable to provide me with a score. 

I then reached out to Equifax to see why this is happening. After a while of back and fourth on the phone, the support staff assured me in 2-3 days this would be fixed. After a few more months goes by I checked online through their portal where I received an error code BLNK and informed me to contact Equifax which I did. 
I let them know I was still unable to review my score and I was receiving this error. 
I was again reassured that the problem had been corrected on their end and it will take a few days. Well this went on for another year constantly calling Equifax explaining the same problem and it was always something different. They say they can see my Report and score on their end, which they did provide me with a copy of the report last time I called early XXXX this year. However my information and score is still unavailable for banks, services or myself to see. 

The last time I spoke with them early XX/XX/XXXX they said to send in verification of where I live and who I am. Which I did. I then received a letter stating everything was complete on their side. To this day nothing has been corrected. I am Not able to buy a house and I am Denied credit for agencys that pull from Equifax. This is hindering my every day life but not having a score available for other institutions. 
My other 2 major reports are just fine its only Equifax. It appears no one from Equifax is able to assist and understands what is going on. While searching this online it appears this is a common problem and needs support. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX I have made a dispute that XXXX information is inaccurate and in return I received letter a confirming their information is accurate. On Equifax website it states and I quote " This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. '' I'm requesting XXXX provided proof of third party vendors that provided this accurate information Equifax, XXXX information which has been provided by XXXX states information provided XXXX is accurate which in fact isn't. Both information provided by XXXX is wrong and inaccurate on both credit reports. Theirs no abbreviations on Federal court documents verifying the government building. the credit report doesn't have the full Federal court government name and theirs no full address of the federal court house on both Equifax and XXXX. By the FCRA any information placed on a consumer credit file needs to be accurate according to the document when placed on a consumers credit file. I request by law for proof of XXXX provided their Investigation is accurate.

. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX   XXXX ,  2017 , I mailed the Annual Credit Report Request Form  to Annual Credit Report Request Service i n  XXXX , Georgia.   I have received my credit report from  XXXX  and  XXXX . I have not received my Annual Credit report from Equifax.   Today is  XXXX   XXXX ,  2017 . I pulled up EQUIFAX website and chatted with someone. They gave me  XXXX . It asked to press  1  if I wanted to complete a survey after the call. I pre ssed 1 and  then "  XXXX  '' answered the phone. He asked questions to confirm my identity. He was very rude and kept interrupting. I would ask him a questions and he would not answer them and simply reply that I would be sent a copy of the report in the next 15 days.    XXXX  also stated he did not have it in his system that a report has been requested. He gave me confirmation #  XXXX  said it is in the way and hung up.   The system did not allow me to complete the survey.     Does it take 30 days to get my report? I tried to do it online, however, it said I did n't answer a question correctly and stated I had to request it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: AL
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:
To whom may be concerned, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are UN-VERIFIED. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise not compliant with regulatory federal reporting laws or standards and MUST be removed immediately. The following fractions are as follows : Alleging Creditor and Account is reported as having a late payment on my credit report : XXXX XXXX XXXX Account Number : XXXX I am demanding that these accounts be updated to PAID as agreed and NEVER late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   XXXX   XXXX  sent bills to collect invalid " co-pays '' after we left  XXXX   XXXX  and no longer used them as our primary medical care provider. After using  XXXX   XXXX  for over    XXXX   years, these " co-pays '' never once were demanded from  XXXX   XXXX , and in accordance with our insurance carrier, were not allowed to be billed, that all medical care costs were covered under negotiated costs, that we were not liable for these bogus " co-pays ''. Bills were turned over to : PlusFour , Inc.    XXXX   XXXX   XXXX   XXXX   XXXX , NV  XXXX  Plu s Four, Inc.  sent  XXXX  collections notice for an {$11.00} co-pay and a {$88.00} co-pay and when we disputed it, no further action was taken except to cloud our credit reports with collection claims and to attempt to force us to settle in order to remove the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: C.Tech Collections, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have these  XXXX   Reports b y  XXXX   Collection Agencie s whose address are :  1.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , NY  XXXX    XXXX   XXXX   XXXX   XXXX    2 .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , NY  XXXX    XXXX   XXXX   XXXX   XXXX   I contacted them today that these bills are supposed to be paid by my   XXXX   XXXX    :    XXXX   XXXX   XXXX   XXXX   XXXX   but seems to me that they wo n't consider it. They are attacking me by using a Credit Report thus would give a handicap for me in borrowing or just an approval for medical needs. It is so very alarming that I am going to be  XXXX  this  XXXX  therefore have to get by with  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: NC
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX WY XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received an email from Citi Bank on XX/XX/2022 that my account will be closed, after further investigation a customer service representative by the name of XXXX on a recorded line stated that my account is being closed due to being in collections. However she spoke with a colleague and the colleague stated that they did not see a history or current information that my account has ever been in collections and this account has always been in good standing. It has always reflected from the Credit Bureaus as paid on time and there is currently no accounts that I have that are in collections. If this account closes this will affect my credit adversely and lower my credit score and I have never been delinquent. I just spoke to another representative XXXX on today and she asked for the expiration on my card and that they will apply for it to be opened when it expires. However, I am a concerned citizen if I have never missed a payment and I am responsible with my credit on this card why is it being closed like this and will thus affect my credit score that I value. This has the potential to cause a difficulty in my life if I have to apply for other credit due to this closing and it affects my credit and lowers my score. I would like a valid reason as to why this is being done. If you check my credit none of my credit cards are delinquent or in collections in anyway.

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