BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I noticed a bankruptcy charge off account on my credit file early last year and Ive since then have been disputing this account with the 3 major credit bureaus XXXX has verified the account a a fraud account and since then has removed this account entirely off my file but EXPERIAN has been giving me the hardest time to do the same I honestly believe hat they do not even try to verify the account the just go off previous notes and make their decision based off of that For example I filed a dispute over the phone with them yesterday regarding the fraud account and with in hours the results where ready verified as mine .. I contacted the court and they verified that no one reached out to them and the notifications they had none where from Experian pertaining my file! How did they verify it was mine?

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 2020-01-23
Company: AES/PHEAA
State: GA
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:
Issues with FEDloan regarding Public Service Loan Forgiveness ( PSLF ) 1. On XX/XX/XXXX, my employer certified my employment via form XXXX XXXX. XXXX with the XXXX XXXX where I have served since XX/XX/XXXX ( I will have 14 years of service in 2 weeks ). I uploaded my completed form to FEDloan in accordance with their established procedures for the PSLF program. FEDloan responded that my employment could not be certified because my employment end date in section 3 was blank/missing. I've attached the form that I uploaded with PII removed. Clearly the box " Still Employed '' is checked. 

2. I started the process for PSLF in early XXXX and have been given the run-around just like the other 99 % of applicants that have been denied forgiveness for this program. FEDloan has yet to calculate and bring into the program a Spousal Consolidation loan that has been in repayment since late XXXX/early XXXX in the amount of {$51000.00}. The company has only pulled in my individual loan from graduate school for {$8700.00} ; initially this one was denied due to another erroneous claim by FEDloan that I did not include the EIN on the certification form, when I clearly had it written on the form. 

When I called FEDloan 's customer service, the individual from FEDloan told me that my portion of the Spousal Consolidation loan is eligible for the program. Please assist me in this matter and get FEDloan to do the right thing. This company has gotten away with erroneously denying me and tens-of-thousands of Public Servants forgiveness through this program for several years with no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I've been asking for 20 years for copies of all these promissory notes of all these loans but I never received not one supporting document with my signature. 
In 20 years a copy of the promissory note was never provided to me. All addresses they have are fraudulent addresses. 
There were never any payments on any of these loans because I have never taken these loans. For 20 years I've been asking for 20 years for copies of all these promissory notes of all these loans. 

However, I suppose it took it out they have not provided me in 20 years a copy of a promissory note they were never any payments on any of these loans because I have never took these loans they are helped for 20 years and every year I'm taking legal action AT THIS POINT ON THESE COMPANIES. 

For years of violating the fair reporting act and never validating these debts. Not verifying validating these debts are mine. They have never shown me one promissory note saying that I sign for any of these loans which they have accounts forans they are helping for 20 years report falsifying in accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Experian Information Solutions Inc.
State: NY
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:
Dear Sir/Madam : I would like to request you to do an investigation against the Experian Company, XXXX. XXXX XXXX XXXX, TX, XXXX, US, which has constantly reported my credit score inaccurately, and not paid any due attention to my requests. I had to lose my credit due to its improper and inaccurate reporting of my credit score to XXXX XXXX on XX/XX/XXXX. For example, when I applied for a personal loan to the XXXX XXXX, my loan was denied citing the low credit score XXXX reported by the Experian Company, when my actual score was XXXX as reported by XXXX XXXX ( see the enclosed credit report of the XXXX XXXX  ). Likewise, it reported the even lower score for the XXXX, XXXX XXXX, and others. The company has also failed to correct the inappropriate reporting when I filed a series of disputes against XXXX XXXX Company and XXXX XXXX, which have denied my requests for the disputes. For example, when I disputed with XXXX XXXX Company for the reported amount in XX/XX/XXXX ( XX/XX/XXXX ), they denied my dispute. However, the same company later acknowledged in XX/XX/XXXX ( XX/XX/XXXX ) that there were some undue fees charged to my account ( see the enclosed from XXXX XXXX Company ). 

Thank you, Sincelry, 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 2023-10-03
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX my vehicle was illegally repossessed by Westlake Portfolio Management. Allegedly they say I owe them money for a XXXX XXXX XXXX XXXX  which I have no standing contract with them nor has one ever existed. The company I originally got the car from was XXXX XXXX XXXX which was permanently shut down in XXXX of XXXX. Im not sure what happened to the company I believe they went bankrupt but I am not 100 % sure the case that caused their abrupt closing indefinitely. Now Westlake Portfolio Management has taken it upon themselves to repossess the vehicle because they claim that I am behind on paying them. I do not know who these people are nor have I ever entered into a verbal or written contract agreement with them. According to title 15 USC 1692f they are in violation of my rights as well as 15 USC 16802 and 15 USC 1692. Also the vehicle was taken without a court order from a judge. So this was a non judicial repossession committed by this company which is an illegal act. It is against the LAW. Since the repossession I have lost my job, I have been behind in my bills, I can not see my son as I use too for he lives two hours away and I do not have transportation to see him or let alone pick him up. This companies disregard for the law has turned my life upside down making the livelihoods of me and my family almost incorrigible. I have tried calling to speak with a supervisor but they always leave me on hold or say some one is going to call back. Its been almost two weeks since I last spoken to one of their scamming representatives and yet have I gotten a phone call in order to try and reach a peaceful and lawful resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: GA
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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I am very disappointed. REMOVE THE FRAUD ACCOUNTS ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XX/XX/XXXX I submitted CFPB complaint ID : XXXX This is about repeated issues with Transunion adding incorrect information and derogatory accounts to my credit report. This has happened 4 times in the past 12 years.

After this complaint, Transunion fixed part of the problem - they removed the derogatory account from my report that was not mine, but they did not fix the underlying issue : They have the wrong SSN, Birth date, and several incorrect addresses in my account.

Although I called this out, they did not correct these errors. With the wrong identifying information they will continue to add incorrect accounts to my credit report. This is unacceptable. Its also very confusing why they can not see this problem. When I call transunion they identify me by asking for my social, they must know my correct social to complete this identification.

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 2017-11-02
Company: Experian Information Solutions Inc.
State: KY
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:
I sent a letter ( attached ) to all three credit bureaus asking them to validate XXXX accounts on my credit report and to correct a duplicate account. 
30 days have passed and I have received no communication from any of the credit bureaus to acknowledge my dispute or to show that these accounts were researched and deleted for non-verification within the 30 day timeframe.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have contacted Experian XXXX XXXX agency numerous of times around XX/XX/XXXX regarding the account that appears on my credit report. The company in dispute is XXXX XXXXXXXX XXXX, dated XX/XX/XXXX in the amount of {$2500.00}. I also contacted XXXX XXXXXXXX XXXX and ask them to validate the debt by providing me with documentation that proves this account belongs to me. They have not been able to provide me a solution and told me I would have to contact Experian regarding the account. On XX/XX/XXXX I received notification that the account was deleted from consumer report. Upon checking my account some time later around XX/XX/XXXX the XXXXXXXX XXXX XXXX account was back on my consumer report after already being disputed and removed removed. It is my understanding that before reinserting an account that has been removed I should have been notified, which I wasn't. I have sent letters to Experian demanding the account be removed again but they have failed to do so. I have not been provided with any documentation as to why this account still remains. This is an urgent matter that must be taken care of immediately as it is affecting my credit negatively and my ability to flourish and provide for my XXXX kids in a sufficient manner.

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 2023-03-16
Company: EQUIFAX, INC.
State: NY
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 have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Ability Recovery Services, LLC
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: Account status incorrect

Complaint:
There is an account on my credit report ( XXXX only ) with the status of open when it should be showing a status of closed because it was included in a bankruptcy in XX/XX/XXXX. Its shows a balance of {$0.00} and past due amount {$0.00}, but yet is still open on my account. There is also an account open only on XXXX  again of a balance of {$570.00} that I have never received a bill for, but is showing it was opened in XXXX this year. I have disputed these two account with XXXX and sent them proof of bankruptcy and they still have not changed the status of the accounts even though I have received confirmation emails stating the dispute was completed. It is almost impossible to receive information regarding this situation because it is impossible to even receive access on their website because their system can never accurately match my information to confirm my identity and their phone number wait is always backed up hours at a time because no one can access their online features. XXXX  should not be a trusted agency for being responsible for people credit information.

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 2022-12-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is information that is on my consumer report, that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made an error, or is my request to block being made on the basis of a material misrepresentation of a fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : ARS ACCOUNT RESOLUTION XXXX XXXX ARS ACCOUNT RESOLUTION XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
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: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX 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 2023-03-16
Company: EQUIFAX, INC.
State: TX
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 filed a ftc report because I found inaccurate accounts on my credit report and nobody is helping me to get them removed off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2022-08-08
Company: Experian Information Solutions 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:
This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 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. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX LL Date of inquiry XX/XX/20XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020

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 2023-03-16
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:
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 XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I got a collection account that does not belong to me, I send all the paper work to proof that the account don't belong to me. Two disputes later collection account still on my report affecting my score. 

First Dispute XX/XX/2018 Results Report Number : XXXX Date Generated : XX/XX/2018 XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
XXXX XXXX XXXX Account Name XXXX Account Number Second Dispute XXXX  XXXX XXXX  Date Generate : XX/XX/2018 Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
XXXX XXXX XXXX Account Name XXXX Account Number

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