BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I filed a complaint against american express on XX/XX/XXXX in regards to an alleged debt owed to american express as well as a collection agency. Their response was " Because your account remained past due it was charged off on XX/XX/XXXX. An account that is charged off indicates that the debt has been written off as a loss to our company due to serious delinquency on the account and does not affect your responsibility for repayment of the balance due. Additionally, it was placed with outside agencies. When an account is assigned to an outside agency, we are unable to assist with account information as you need to work with the agency handling your account. American Express remains the creditor, the outside agency is collecting the balance on our behalf. On XX/XX/XXXX the account was placed with XXXX, an outside agency. On XX/XX/XXXX the account was assigned to our credit department. '' They advised on XX/XX/XXXX the account was assigned to their credit department. I have been harmed by this action due to the fact the company violated 809 ( a ). Validation of debts. The first correspondence I ever received from them this year was dated XX/XX/XXXX. 

*Please provide proof of delivery for any correspondence you attempt to upload as a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My APR for my Apple Card with Goldman Sachs is presently 21.99 %, by far one of the highest interest rates of any credit card I have. With a good FICO credit score of between 760 - 790 depending on the credit agency, my other interests rates are in the 7.5 % - 16 % range. Further, I pay my bill on time and in full monthly. I consider Goldman Sach 's interest rate to be gouging. On several occasions I have spoken via text with Goldman Sachs customer service to ask that my APR be lowered. They have declined to do so, saying that my rate is based on my credit, even when my credit is good and enough to warrant the lowest interest rate offered on other cards. I feel that Goldman Sachs is taking advantage of their customers with this high rate and my rate should be lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: PROFESSIONAL BUSINESS BUREAU INC
State: OH
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:
I signed for a bond for my husband. Three months after I signed the bond we moved to another address. I informed the bond company of the address change as soon as I moved. He then went on the run. We were separated at the time of him being on the run. When I was made aware of him missing court, I called the bond company and made arrangements to bring him into the bond agency. I turned him in as agreed. The bond was then rewritten in someone else 's name. I was never told about any money is due. I started clearing up my credit and notices the debt on my report for the amount of {$2100.00}. I then contacted both the collection agency and the bond company to resolve the matter. I was told that information was sent to my old address and I missed the timeline to keep it from going to collections. I was told the total debt owed was a reduction and never given an amount of the original debt. I then contacted legal-aide and was told to request a copy of the invoices for the debt that I allegedly owed. I received a response saying that they don't do a formal invoice. The bond company sent me the paperwork that they said they sent to the old address. The paperwork had many different amounts on it. I then contacted the collection agency and told them that the information given to them was incorrect. The collection company requested the same information and was given different documents. They were given a canceled check with the amount of {$3300.00} with only my husband 's name on it. Another red flag about the debt. I have been trying to get someone to listen to me on why I don't owe this debt. The paperwork is all fraudulent. I turned him in as agreed.

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 2021-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Since XX/XX/2018 I have been requesting an investigation into specifically 3 accounts XXXX, XXXX and XXXX XXXX and have been unsuccessful. They updated n XXXX just updated the report but provided no documentation or status update. XXXX should not be showing collections or late being that I was successfully enrolled in student loan rehabilitation program which should now be showing paying as agreed and NO LATE PAYMENTS. Also XXXX XXXX shows sooo many decrepancies. The last activity is different with all XXXX bureaus which reages the debt. Also the account numbers are different. They furnisher is clearly not following the METRO 2 COMPLIANCE therefore grounds for the bureaus to delete this account. The burden of proof is on the bureaus at this point. Please remove credit acceptance from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: NJ
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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: FL
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 submitted a complaint last XX/XX/2023 but it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting 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, XXXX XXXXXXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that I have a 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. 166b states that a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-10-17
Company: Experian Information Solutions Inc.
State: PA
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. 

Account : 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 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 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 2019-05-09
Company: Experian Information Solutions Inc.
State: KY
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:
I RECENTLY WENT TO APPLY FOR A HOME LOAN AT A BANK, AND WAS TOLD THAT I HAD TO PAY OFF MY STUDENTS LOANS AND THE REAPPLY. I TOLD THE BANK THAT I NEVER HAD STUDENTS LOANS. THEN I WAS PROVIDED THE CREDITOR NAME AND NUMBER TO CONTACT THEM TO INVESTIGATE THE ACCOUNT. I HAVE DISPUTED THE ACCOUNTS MULTIPLE TIME WITH THE CREDITOR AND THE CREDIT BUREAU AND HAD NO RESULTS. THE THREE MAJOR CREDITOR BUREAU HAVE NOT MARKED THOSE ACCOUNTS DISPUTED AT ALL. THIS IS A INCONVENIENCE FOR ME SEEING THAT I'M TRYING TO MOVE FORWARD WITH MY HOME LOAN. I WILL LIKE FOR ALL OF THE STUDENT LOANS TO BE REMOVED FROM CREDIT FILE IMMEDIATELY!

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 2023-08-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting 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.

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 2023-03-17
Company: EQUIFAX, INC.
State: MO
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 sent letters showing errors throughout my report on several different acounts in XX/XX/2023 it is now the middle of XXXX which is over 30 days now my crefit score is all over the place. Ive been vetti g several notifications that my score went up and then the next day down. I never recieved proof of verfication or proof of anything im not sure why this investigation is still ongoing and why my credit score keeps bouncing could you please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: RSI Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2019 I visited visited my doctor using my health insurance. In XX/XX/2019 I became unemployed and reached out to their billing office after receiving a bill from XXXX XXXX XXXX XXXX which did not specify the reason for the outstanding charges and because I had also become unemployed and the {$50.00} debt was a burden and couldnt pay in full. 
However, I never received a call or email back. In XX/XX/2019 i received another notice and paid {$25.00} of the {$50.00} owed because i was still unemployed. In XX/XX/2019, I received an email indicating my payment plan was completed and No further payments needed to be made. I am now, again getting charged {$25.00} by RSI Enterprise , Inc on behalf of XXXX XXXX XXXX XXXX but unsure for which account but assuming for the same one since they reference a service date of XX/XX/2019. This collection was sent to RSI on XX/XX/2019. My original account number with XXXX XXXX XXXX XXXX was XXXX. 
RFI reference number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This collection company never contacted me direct at first. They contacted my sisters, my nieces and nephews. When I contacted them they were rude and extremely aggressive. My personal information was also passed along to my family members. My sisters were told that I am in major trouble and that I owe a lot of money to people and that a lawsuit was filed against me and that they needed to tell me to contact the company right away or I would be served and prosecuted. They stated that they had a process server on the way to my place of employment at serve me legal documents because legal action had been taken against me. They said the only way to stop a lawsuit and place the process server on hold was to make payments to them directly and immediately. They continually called my sister, my nieces and my nephews on their personal cell phones and at their places of employment even after being told to stop harassing them and to not contact them. After they were told not to contact them again the company called back another 6-7 times back to back. I myself have had the same issue. They called at least 10-15 times a day and even when I did answer they threaten me with a lawsuit and became aggressive using scare tactics to get me to provide them with my banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: TOYOTA MOTOR CREDIT CORPORATION
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 have four accounts with Toyota financial and I always call and make my payments over the phone and when I called I provide the representative with my Social Security number and I told them that I have four accounts with Toyota financial and I would like to make a payment on all of them. 
After doing so Toyota financial reported me 30 days late on one of my vehicles payments. 
I spoke with TOYOTA financial they informed me that they have a copy of the phone call which clearly states that when I call I indicated to the representative that I had for accounts and I would like to make a payment on all four accounts that day three payments were made one payment Was overlooked by representative and my credit was destroyed because of this Im in the process of purchasing a house and my score went down by 84 % because of a 30 day late payment reported by Toyota financial. 
Please help me to fix this and remove that late payment from my credit report they have reported inaccurately they failed to complete their investigation they failed to contact me. 

Thank you very much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EdFinancial Services
State: LA
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:
On XX/XX/2023 I submitted for an IDR plan via studentaid.gov. On XX/XX/XXXX, my application was reviewed, processed, and approved with a monthly payment amount of {$27.00} under the new SAVE plan. 
Within the application portal the following message is posted : " Your loan servicer will reach out to you with additional details regarding your completed application. Contact them if you have any questions ''. By XX/XX/XXXX I realized I had received not correspondence about my SAVE plan or about updates about my application. 
On XX/XX/XXXX I received an email saying there was as new message on my account. On XX/XX/XXXX I set up a new account to link my old servicer website and the new servicer website ( which I was prompted to do so via the old website ). 
When logging into my account, I discovered that all of my loans had been consolidated with a payment of {$210.00} due on XX/XX/XXXX and no SAVE plan was notated on the account. 
I allowed 3 weeks to pay to allow for potential processing times and anticipated high call volume. On the 4th week of XX/XX/XXXX I made a phone call and waited on hold for 6 hours, only for my phone call to be answered and the subsequently dropped/hung up on right after. I then called the next day and requested a call back. 
I received a call back the next business day from an agent. 
The agent stated : There is not a current SAVE plan application on file and that I would have to submit a new one over the phone or via the website. ( Despite having application reference numbers and submission dates/tags she denied having seen an application for me present ). I was able to submit an application online with an estimated payment of ~ {$12.00} per month with the SAVE plan, however she informed me that the application would take 30 days or longer to process. With a payment due of {$210.00} on XX/XX/XXXX, she informed me to " pay a small amount and we will not send you to the collections agency ''. It is now XX/XX/XXXX and I have received my first delinquency letter despite paying {$30.00} on XX/XX/XXXX to avoid being sent to collections. My account is now past due with interest accrued, {$400.00} due on XX/XX/XXXX, and no correspondence about the progress of my application. When calling back last week, I was notified of the same thing the previous rep told me : the process takes 30 days or more and all I can do is wait.

Company response to consumer: Untimely response