BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-03
Company: EdFinancial Services
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was trying to call and get my loan switched to a more affordable monthly payment extended plan. The first time I called it said the wait time was XXXX minutes to get through. Considering that I filled out a form online which I thought would get my information through. It was very confusing. I never heard anything back so I tried to call again in a few days. This was at the end of XXXX. I got through. I worked with an associate and she assured me my payment plan would be switched to an extended plan with a lower payment and I could expect to see an email in around XXXX business days announcing the change and see it reflected in my online account. I waited the allotted time and did not see any change. I called back and talked to another associate at EdFinancial and she told me my account did not reflect any such change being implemented and that I had agreed to pay the amount as-is, which is false. I asked if we could put in another request to get it changed. She said yes and assured me again about the 21 business-day processing time. I waited a good amount of time again and did not see a change or an email response. I then requested to speak to a manager. The manager eventually called me back. She assured me it was being processed but that they were behind and the wait time was more like XXXX business days. Well, it is still not done and it has been longer than that. I again called and talked to another associate, who assured me before my next payment due date that it should definitely be changed. Still nothing. So I paid the amount I was promised I would be paying once switched as I can't afford the current payment amount. I did pay the full amount the first month of payment but I can not continue doing so. Now it reflects that I am behind on my payments. My wife has a similar amount of student debt and goes through XXXX. They changed her to an extended plan in XXXX day, XXXX day. Why has my saga been going on for XXXX months? How hard is it to switch my plan if another servicer can do it on the same day? Will they ever switch it? I am about to refinance the loan with a bank so I can get someone handling it that I can trust. I have no faith EdFinancial is going to do anything they are telling they will do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: TX
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:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have noticed an inaccuracy on my report. I have made this inaccuracy known to TransUnion. Nothing has been corrected and TransUnion has claimed to have investigated and verified the accuracy of the information. This account is incorrect and is adversely affecting my livelihood and have caused me severe damages. XXXX XXXX XXXX XXXX account XXXX XXXX. TransUnion has been intentionally allowing this harm to come to my name by giving me false statements of verification and reinvestigation when the information was never validated and has been reporting misleading and false information since TransUnion has allowed such to exist on my 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 non-monetary relief
Consumer complaint received 2022-06-14
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX /Southwest Credit System reported a debt of {$300.00} owed to XXXX XXXX and XXXX. The debt is not owed by me. I have no knowlege of such debt. XXXX/Southwest Credit system failed to contact me prior to putting this on my credit reports. As such, it has failed to follow the Fair Credit Reporting Guidelines. Please delete it from my credit files,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I pulled my credit report on identity q when I noticed some information being reported inaccurately on my credit report on a few of the CRA agencies from inquiry to accounts, public records, negative marks. these companies have been violating so many FCR and me as the consumer. Under 15US. Code 1681 ( B ) 15 usc 1681s-2. FDCPA 15 US.Code 1692 1

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 2020-01-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My identity was stolen I dont know how it happened. I have all the dates, account numbers, and amounts for the fraudulent accounts in a document attached here. I called the attorney general, the companies, credit bureaus, and no help. The attorney general told me to file a complaint here so hopefully someone can help me because this is crazy.

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 2023-11-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Just like the commercial said I should I got a copy of my credit report and there are things that just arent accurate on it. I am greatly concerned because I am a good paying person and dont want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. I thank you so much for taking the time to help me fix this all up as the commercials said you would be helpful in fixin this kind of stuff. Remove the late dates and negative status of these accounts : 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 2023-11-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I need to escalate this problem that I have with credit bureaus. They're not giving me any direct resolution to my problem. They are furnishing multiple accounts on my credit report without my written approval and that is invading my personal information. These negative accounts due to late payments and charges were all zeroed out by the individual who had these services but they're still declaring it as late or Charged-off. Why can't they just remove it or change it into its current status? I need to get this straightened out as I'm tired of going back and forth with them. I've been communicating with these departments since the start of this year. This is so annoying and exhaustingon my part.

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 2023-12-05
Company: Self Financial Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

Provide proof that a statement with ALL information in section 1637 ( b ) was delivered to me XXXX  days before due date. 

As well youre in violation of the U.S federal law from the complaint I just sent and I will not stop until you remove it. You are not the first company that has removed accounts which is why I know what Im doing will work. You are violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, 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:
Fruadlent Accounts on Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-09-12
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed an account on my credit report from ProCollect in 2015 for an apartment complex that I have never lived in. I have been disputing this with ProCollect and the credit agencies for years with no progress. Not only is the debt not mine, but it is also duplicated on my credit reports. I have submitted documents of proof of residency during this time, but ProCollect still will not have the items removed from my credit report and continue to make attempts to collect the debt. I recently contacted ProCollect, the orginal creditor and the credit bureau to provide me with a validation of the debt in the form of the original lease, cancelled checks for rent and/or money order receipts to show proof that I lived there, which none are able to provide. I don't know if this was identity theft or something that the collection agency just came up with. I have had no other problems with any other companies reporting any type of debt during this time. And since no one can provide me with documents to validate the debt, I have to assume that ProCollect has simply put this on my credit report in error, or deliberately. Although ProCollect has stated over the phone that the accounts appear to be duplicates, they will not even remove one of them, which will at least decrease my debt balance. However, both of these accounts need to be removed! They are not my accounts. ProCollect finally said today that they would possibly remove the duplicate account but I would still be responsible for the other account. They said that I needed to provide them with an identity theft affidavit, in order for them to even consider looking into the other account. However, without them providing me any documentation of the lease or payments to verify that someone else used my information ; I don't feel right swearing to identity theft, when I don't know if that is the case. I do not know how they got my information and I can and have provided proof of my residency elsewhere to the credit bureaus. I do not feel comfortable giving ProCollect any more information than they already have about me, since I don't know how they got my information. The amount that they are showing owing on both accounts is {$6600.00} for a total of {$13000.00}. These accounts need to be removed immediately from all three credit bureaus!

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 2023-11-06
Company: EQUIFAX, INC.
State: FL
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 non-monetary relief
Consumer complaint received 2023-11-19
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My credit card was locked by the Citi Bank on XX/XX/XXXX. I tried to resolve this problem by calling the customer service to verify my identity and unlock my credit card, but the customer service responded to my request quite passively. They promised to send me a verification letter and to call me back after conducting a survey on my case. But none happened after a whole month, and my credit card is still locked

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 2022-02-18
Company: CL Holdings LLC
State: ND
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have called to ask for a validation with the company Jefferson capital my signature license anything also have asked three of the major credit bureau to check for me. I was told it was validated when asked how I was told my name and social is enough to validate. I was told by the company the bill was sent somewhere when I asked where I was told a merged/ wrong address. The address I was given was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have supplied my license as proof that That address does not exist still have not had a response I am up to multiple disputes.For clarification my address is XXXX XXXX XXXX XXXX XXXX ND XXXX. Also they keep changing the open date which is making my credit yoyo up and down this effecting me negatively I want this removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XX/XX/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 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 2022-02-18
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 90days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I dispute a collection agency call XXXX on my credit report for transuion on XXXX XXXX XXXX  and I have not heard anything from them

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a copy of my credit profile and it had wrong addresses, spelling of my name, phone numbers incorrect

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my profound frustration and disappointment regarding the continued presence of fraudulent accounts on my credit report, which have not been adequately addressed despite multiple previous disputes. It is with great annoyance that I must once again bring to your attention the following fraudulent accounts that persistently tarnish my credit history : XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX PLEASE DELETE!!! 
These fraudulent accounts were reported without my consent and have caused severe damage to my financial standing. Despite my numerous attempts to dispute and have them removed from my credit report, your bureau has failed to investigate and rectify this issue adequately. 
It is astonishing that despite the overwhelming evidence provided, your bureau continues to overlook the severity of this matter and has failed to carry out its responsibility to maintain accurate and fair credit reporting. The continued presence of these fraudulent accounts is not only damaging my creditworthiness but also causing significant emotional distress and inconvenience.

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 2023-11-06
Company: Experian Information Solutions Inc.
State: NY
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 am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. 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. Please delete the items as soon as possible

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