BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-06
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed a dispute with Equifax in XX/XX/XXXX about collections on my file. My disputes where supposed to be complete in XX/XX/XXXX. I contacted Equifax at the end of XX/XX/XXXX and was told by four different representatives that the companies did not respond so everything would be removed. I called back the next day an was told they responded and were all verified. An, that by law they have forty five days to respond. I know that is not true. I asked how and when because it was well pass thirty days. An, was told the day before they would be removed because of no response. I asked what kind of validation did they send validating the accounts were mine. I was told they use XXXX XXXX to validate accounts. I contacted XXXX XXXX an was told that's not true. I redistribute again they said they were validated. I disputed them again XX/XX/XXXX for the third or fourth time. I called to check on a fax I sent to them an asked about my disputes and was told i have none because they weren't done right. So, they are sitting there closed. So, XX/XX/XXXX I redisputed them again. I keep getting different stories everytime I call. I've been a victim of fraud before so this is unsettling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Online security freeze is unavailable at all three of the major credit reporting agencies for at least the past three days. The specific issue encountered at each company are below. 
XXXX - " We are unable to process your request at this time. We appreciate your patience while we resolve this temporary issue '' ..occurs AFTER logging in and providing personal information XXXX - `` System Currently Unavailable - Error 500 '' or " We are currently unable to service your request.Please try  again later. " ..occurs AFTER providing personal information and accepting terms of use Experian - Page fails to load : https : //www.experian.com/XXXX Aside from the persistent errors above, the process to establish a security freeze at each company is clearly designed to discourage consumers from actually doing so. Every alternative option is presented prior to the security freeze and in many cases the company provides reasons to dissuade consumers from electing a freeze. They present freezes as a measure of last resort rather than a rational action. 

Normally I 'm not one to advocate for regulation, but this industry is indifferent to the risk they pose to consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: AES/PHEAA
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:
I have a total of 7 loans through PHEAA /Fed Loan Servicing totaling {$32.00}, XXXX these accounts were closed and transferred to XXXX XXXX XXXX XXXX The same loans are being reported by XXXX XXXX and PHEAA, the last delinquency on these accounts was in XXXX, and in XXXX they were transferred to XXXX XXXX  The total amount of student loans that should be listed o my credit report should be {$62000.00} and not {$94000.00}. If this is not corrected, I will take this matter to the state representative office and contact a lawyer. 

*** The amount of " NOT '' be listed on my credit report for {$32000.00} for these 7 accounts have been transferred to XXXX XXXX for servicing. 

Both XXXX XXXX and PHEAA Loan are reporting the same loans and that is illegal to report the same accounts twice to the credit reporting agencies. 
ic Please remove PHEAA ( FedLoan Servicing Center ) from my credit report file. Please see the attached documents,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an invoice in the mail from XXXX ( supposedly ) with an invoice date of XX/XX/XXXX- it was sent to my previous address and rerouted to my new address. It stated that I owed for a shipment from " XXXX XXXX XXXX XXXX '' in XXXX, California to " XXXX. '' XXXX '' in XXXX XXXX, California. I live in Missouri and have never lived in California. I sent photos of the invoice to the XXXX Scam email address and contacted them via XXXX to see if this was a scam. And if so, to remove it from any accounts associated with me. I do not have a shipping account with XXXX and have never mailed anything with the company- so I am not sure how this even happened. I never heard from XXXX about the false invoice. Then on XX/XX/XXXX, I received a collections notice in the mail from TRANSWORLD SYSTEMS INC, dated XX/XX/XXXX. It was sent to the wrong address as well ( our neighbors down the street ). It claimed that I owed XXXX money for ( 8 ) different invoices for shipments sent before XX/XX/XXXX. I never got ANY notice of these shipments, but that's not surprising because they had nothing to do with me! On the letter, it said I could dispute the charges if I sent correspondence via mail by XX/XX/XXXX. This is clearly a scheme. I tried calling TRANSWORLD with the number provided on the letter, but they just sent me to a voicemail. No one has called me back. At this point, they are trying to get almost {$150.00} out of me for shipments that I had nothing to do with. I've seen this has happened to many other people by searching online. Both companies need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: AL
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In 2017 I initiated a credit freeze or alert with Experian. At some point I created an account with log-in ID but can not locate the info. This month I have tried to open a new credit card, but can not do so because of the Experian freeze and that a phone number was not associated with the account. At one point, I was able to reach someone at Experian and gave my phone number to attach to the account. Per XXXX XXXX, the application will still not go through because of no phone number attached. Now, I am unable to reach anybody at Experian. There is no way to obtain online help unless one can log in. When I click the " forgot login '' button, there is a message that the information was sent to my e-mail account but it is nowhere to be found including my spam and trash boxes. I have tried several phone numbers for Experian but can not reach a human to talk with anymore - only various dead-end options with the voice menu. In the meantime, I also received an e-mail from Experian that there are results of my " dispute ''. When I enter the case number from this e-mail, it does not work. I am not aware of any " dispute ''. Right now, I am unable to open a new credit card because Experian has me frozen and it is impossible to reach 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 2018-04-10
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account # XXXX ( this is 1 of 4 with CBE Group ) Amount XXXX To whom it may concern, On XX/XX/18 I sent out a certified letter to CBE Group Regarding account ( XXXX the supposed amount of XXXX ) to address XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX. I requested an original bill baring my signature be provided to me showing that this was my debt. 

I only gave them the right to show me this information. Instead they sent me a an alleged statement stating that it was mine divulging personal information violating HIPAA laws. At no time did I request a statement of the procedures that were done. I asked for an original Bill bearing my signature. 
I have sent them three certified letters requesting an original Bill bearing my signature and all they send me are these statements that are not even on letterhead or proper billing forms. Additionally, when I sent them the first letter they did not put on my credit reports, I know this because I ran my credit report again on day 31, that this item was disputed within 30 days following the : Fair Credit Reporting Act section 623 ( A ) ( 3 ) or Fair Debt collections Practices Act section 807 [ 15 USC 1692e ] Fair Credit reporting Act Section 609 Fair Credit Billing Act Public Law 93-495 Section 164 ( i ) Law US Court of Appeals, Ninth Circuit, No. 00- 15946, XXXX XXXX XXXX XXXX The information that CBE Group is reporting is not 100 % accurate They have several misspellings and incorrect name for me that they claim is my debt and will not correct the errors. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian is allowing XXXX XXXX XXXX to report my account as having a delinquency when the account is XXXX Protected. The account report shows a status of past due for 180 days late the account balance shows {$6800.00} which is incorrect. The account was never late but shows missed payments. XXXX XXXX agreed to keep my account in XXXX Protected status because of the pain and suffering that I experienced financially for the 2 years that they did not have me in XXXX XXXX protected status. They fixed the error but now they are trying to reverse it.

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 2017-09-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Online security freeze is unavailable at all three of the major credit reporting agencies for at least the past three days. The specific issue encountered at each company are below.
XXXX - " We are unable to process your request at this time. We appreciate your patience while we resolve this temporary issue '' ..occurs AFTER logging in and providing personal information Equifax - `` System Currently Unavailable - Error 500 '' or " We are currently unable to service your request.Please try again later. " ..occurs AFTER providing personal information and accepting terms of use XXXX - Page fails to load : XXXX XXXX XXXX Aside from the persistent errors above, the process to establish a security freeze at each company is clearly designed to discourage consumers from actually doing so. Every alternative option is presented prior to the security freeze and in many cases the company provides reasons to dissuade consumers from electing a freeze. They present freezes as a measure of last resort rather than a rational action.
Normally I 'm not one to advocate for regulation, but this industry is indifferent to the risk they pose to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2018, XXXX XXXX credit card stated they will REMOVE ALL LATE PAYMENTS from XXXX - XX/XX/2018. However, I checked my credit report from Equifax, XXXX  and XXXX AGAIN to find that the late payment remarks still exist. I have also submitted two previous disputes with each CB as well as CFPB but nothing has been deleted and it's really stressing me out. When i contacted XXXX 's on XX/XX/2018 to take care of the past due balance, the collections supervisor stated verbatim that the negative XXXX 's trade-in would be redacted and deleted within 30 days, which would have been by XX/XX/2018. However, as of XX/XX/2018, the negative balance had NOT been deleted, which prompted me to send another complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
In XX/XX/XXXX Credit Acceptance Corporation closed my account ( XXXX ) referring it to an outside lawyers office for handling. The account with Credit Acceptance was opened in XXXX of XXXX. After 5 years and 3 months of the account being reported as " Closed - Referred to Outside Collection Agency/Attorney '' - Credit Acceptance re-opened the account, along with falsely updating the payment status to reflect past due 120 days. During a time in our world where we are not promised tomorrow, I find it extremely disappointing this company would resort to these measures. Credit Acceptance is intentionally reporting these inaccuracies to further delay the statue of limitations of this account. As previously stated, with this account being reported as Closed since XXXX, it was scheduled to be removed from my credit report in XX/XX/XXXX. With the current reported information it has extended the time until XXXX. I never received any calls from Credit Acceptance requesting the account to be re-opened, neither the co-applicant or myself make any payments on this account nor were there any recent payment arrangements. In contacting the Credit Acceptance I spoke with a Supervisor by the name of XXXX - who stated the following : " I'm quite sure us reporting the account closed for five years benefited you but I have nothing to do with that ''.

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 2020-05-26
Company: Experian Information Solutions Inc.
State: MI
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: Public record information inaccurate

Complaint:
In the last three montha I have paid XXXX dollars in credit card debt, and closed another account with nothing owed on it. The first month it went up 30 points but not since then. Ive continued to pay more then the lowest amounts on my credit cards, all my accounts are on time and my score has not move beside down 2-3 points.I am absolutely doing everything that I was advised to do by this site as well as credit advisors, there is nothing left that I can do to increase my score but yet its not increasing if possible please be some assistance. Ive contacted all three credit report agencies with no assistance as the out come.

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 2021-04-27
Company: Allied International Credit Corp., (US)
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a collection letter dated XX/XX/2021, from Allied International Credit Corp., located in XXXX, Virginia, alleging that XXXX referred my account to them for collection of {$120.00} owed on my account ( the XXXX account number they referenced isnt even close to an actual XXXX account number ). I contacted XXXX customer service and they verified that I do not owe XXXX ANYTHING. XXXX advised that this is likely fraudulent and asked that I send a copy of this letter to their Fraud Department, as well as filing a complaint with the Attorney General in Utah and Virginia, and the XXXX XXXX XXXX, which I have done. ( There are hundred of similar complaints about this company on the XXXX  webssite. ) This company also apparently has an address in XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, ON XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: XOOM CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I initiated two transactions XXXX and XXXX for a small funds transfer to my family members to help with the Covid unemployment situation. The funds have not yet been delivered. 

Xoom has debited my bank account but their Customer Service XXXX does not answer all week. Their parent company XXXX told me they can't help me. 

Xoom has sent me two emails stating that there is a problem with their 'partner '. However I have not heard from them for two days. 

My niece went in to her bank ( XXXX ) in XXXX XXXX and they verified there is no problem with her account.I suspect that fraud has been perpetrated somewhere along the line. 

Can you help with this matter. At the least i would like to cancel the transactions and receive a refund but can't seem to get through to XOOM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Experian Information Solutions Inc.
State: FL
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAMEI am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # 39 ; s. On XX/XX/2021, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2021, XXXX XXXX XXXX XXXX personal loan, was listed as 30 days past due on my credit report incorrectly. 

This account was never late on XX/XX/2021. This has been verified with XXXX XXXX XXXX XXXX error is still listed on my " XXXX Report and TransUnion 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 2019-03-16
Company: Debt Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Thursday, XX/XX/2019 I received a letter from Debt Recovery Solutions regarding an alleged debt they were trying to collect for XXXX. I called the phone number stating I have never done business with either company. Debt Recovery Solutions had MY vital information including my social security number. I then contacted XXXX account services, and they provided me with information on the alleged agreement including a DOB and a Social Security number that belongs to MY FATHER, not me. My father and I share a name, he obviously is XXXX, and I'm XXXX XXXX has the correct information, whereas their debt collector Debt Recovery Solutions has unlawfully obtained my social security number and somehow are trying attach it to this alleged debt. I contacted Debt Recovery Solutions informing them of their blatant irresponsibility and contacting /harassing the wrong person. They demand I make a police report, and refuse to correct the issue. They need to be investigated thoroughly for their unlawful business practices. This is not my debt, nor has it ever been my debt. To date they have refused to provide me with the documentation.

Company response to consumer: Closed with explanation