BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been back and forth with Equifax since XX/XX/2010 about some of their credit reporting choices and they have re-inserted data on my credit report the last week, failed to give me a full credit report after my last investigation and claimed by report is not showing files with account numbers I listed, even though according to XXXX, they are listed.

For their most recent failure, they have added XXXX XXXX files to my report, in which all of them were deleted from my report in XX/XX/2010 after the investigation came back as not mine.  Since that time, there has been at least 3-4 times in which they added these files back on, then deleted them after I reminded them they cannot re-add a file without giving me prior notification, as per the law, and they just allow it to happen.  My only recourse has been to report them, contact attorneys offices and BEG for investigations to be completed correctly.

I want these files finally deleted and left off my record, as they have already been multiple times the last 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
letter(attached below)from Equifax shows that Case or ID#-XXXX was deleted
from the credit file.Item has reappeared on the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: Other

Complaint:
I 've been with American Express for four years without any financial problems of paying my monthly bill. I still believe this is a fine company. However, what I do n't understand is why my card was suspended recently ( XX/XX/2016-XX/XX/2016 ) until I paid my bill which I had to XX/XX/XXXX to do. However, my problem is are they looking at a certain population of people. What was the reason for my suspension. Out of four years I had this card I paid my account late once by one day,. Due do a mix-up. They never had another problem out of me with a late payment. My problem is the many reasons I was given for the suspension of my card.. Reasons like I charged XXXX on my card and I have not done that in six months. So! I was always told that I do n't per say have a limit. Also, I had just charged {$1300.00} XX/XX/XXXX. Why not the concern then. I glad I was n't trying to pay for something at the time the card went down. If below {$1300.00} is going to be my limit, why not give me that in writing so I will know what not to go over? I discussed with why in XX/XX/XXXX {$1300.00} was alright to charge and in XX/XX/XXXX a very, very, very red flag of sort goes up and now it 's an ALARM? Tell me what I can charge without being suspended? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, 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:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Complaints : XXXX. XXXX  XXXX XXXX, IA XXXX Dear Madam/Sir : XXXX XXXX XXXX is still showing my account as negative and this aged tradeline has still not been removed. 

Experian refuses to delete the tradeline, relying on XXXX inaccurate reporting of the account. The fictitious account debt ( that I did not and do not owe ) that was originally from a delinquent debt with XXXX XXXX in XXXX that it sold to XXXX. 

As such, the debt associated with the account collections is now over 7 years old and must be removed since any debt over 7 years old must legally be removed from a credit report.

Moreover, by furnishing false and misleading formation to the Credit Reporting Agencies, XXXX is in violation of the multiple CFPB consent orders that are currently in place. XXXX has been the subject of multiple enforcement actions by the government. 

Please ensure that the XXXX tradeline is deleted from my credit bureau reports 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
Consumer complaint received 2016-08-08
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I moved out of XXXX six years ago ( XX/XX/XXXX ) and closed all utilities accounts upon moving. I have had no calls, emails, or communication of any kind from XXXX ( utilities service ) or any collector since ... I come to find that they have opened a collections account XX/XX/XXXX for XXXX with " Transworld Systems Inc, '' another company I have not heard at all from.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I " was '' attending XXXX. They recently dropped me from the classes implying I was n't showing up for class. I explained to the dean way before classes started, that I could n't go due the my personal issues, so I would like to take online classes. The School moved in XXXX XXXX 2015 from a half hour from my home to XXXX hour from my home. Giving all students 4 days notice of the school moving. my classes would not show online then they accused me of not going to class at all. I sent several emails asking for my transcripts and a policy but I have never received the policy on drooping students. I never received my transcripts be cause they told me a month later I owe a balance which was not brought to my attention until I wanted to retrieve the documents. I was told I would graduate and earn a good paying job but no one wanted to even look at my resume when I explained I am in XXXX School. Not even for an XXXX. I am embarrassed and broke ( debt wise ) I returning to a XXXX college to receive the recognition I need to proceed in life. I had made some mistakes in life not knowing what career field to get into but I certainly made a big mistake when I went back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, 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:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Complaints : XXXX. XXXX  XXXX XXXX, IA XXXX Dear Madam/Sir : XXXX XXXX XXXX is still showing my account as negative and this aged tradeline has still not been removed. 

XXXX  refuses to delete the tradeline, relying on XXXX inaccurate reporting of the account. The fictitious account debt ( that I did not and do not owe ) that was originally from a delinquent debt with XXXX XXXX in XXXX that it sold to XXXX. 

As such, the debt associated with the account collections is now over 7 years old and must be removed since any debt over 7 years old must legally be removed from a credit report. 

Moreover, by furnishing false and misleading formation to the Credit Reporting Agencies, XXXX is in violation of the multiple CFPB consent orders that are currently in place. XXXX has been the subject of multiple enforcement actions by the government. 

Please ensure that the XXXX tradeline is deleted from my credit bureau reports as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: Malcolm S. Gerald and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Received a call from this debt collector. They demanded paperwork that they refused to provide and refused to offer an alternative when informed that I could not fill out said paperwork or even find it. When I requested assistance, all XXXX persons spoken to refused to provide it and refused to provide any information on any XXXX assistance. They also refused to accept proof of XXXX and refused to make any accommodation stating that the phone was breaking up on my end ( and that they had " perfect phones '' ) and they did not understand me, but responded to statements easily and only claimed phone problems when I was attempting to explain my problem with them. They also heard all other dialogue excepting what they did not wish to ( e.g. that the amount they were demanding was a fraudulent transaction ). No names were given, when I indicated that no classes were taken nor permission to initiate what the representatives called a " loan '' the statement was ignored. I stated this XXXX times. In addition, no letters were sent indicating this debt even existed or that I had the right to dispute it. All XXXX representatives also threatened ( not stated, but VERY clearly threatened ) to not only report the debt if not paid today ( XX/XX/2015 ) but that the report would ( NOT could, but would without any doubt ) prevent me from obtaining a " mortgage, loan, credit card, and even cable/satellite '' in those exact words. Finally, the recorded portions of conversations were partial and started at varying ( and terribly convenient ) times. 
The company provided only the name " Malcolm S. Collection '' and additional information was requested but never provided. I requested no further contact from them but XXXX additional pre-recorded calls were made after the request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
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: Information belongs to someone else

Complaint:
There are accounts on my consumer report that are fraudulent. Any unathorized account is considered identity theft. Under the FCRA written by congress at the receipt of an identity theft report, which is attached, a consumer reporting agency has 4 business days to block these fraudulent accounts. I, XXXX XXXX did not receive and will not receive goods, services, nor money for this block. Neither was this request made by error nor is the identity theft report a misrepresentation of fact being that it is directly from the Federal Trade Commissions website, who by law is authorized to enforce compliance. Therefore there is nothing preventing the blocking of these fraudulent accounts as said so by congress under the FCRA. Failure to comply with the blocking of these fraudulent accounts makes you liable under section 1681n of title 15.

Unless your consumer reporting agency is able to provide me, XXXX XXXX who is the consumer, a proof of validation of any of these alleged debts from the creditors within 4 business days, there should be NO reason why I would have to wait for the creditors response before the necessary blocking of these fraudulent accounts. NO company policy is above FEDERAL LAW. With that being said there should be NO comments on my consumer report saying that these fraudulent accounts are being disputed, especially since I, the consumer DID NOT request for these accounts to be disputed, and I have also provided everything needed, pursuant to 15 USC 1681c, for this fraudulent information to be blocked no later than 4 business days. Please also mail me confirmation of this block along with an updated consumer report showing this block. Along with this statement, I have attached both the identity theft report and proof of my identity. Failure to comply with the blocking of these fraudulent accounts makes you liable under section 1681n of title 15. 

The fraudulent accounts that need to be blocked are listed below. 

XXXX XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX US DEPT OF ED Account # : XXXX XXXX Account # : 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 2021-07-29
Company: EQUIFAX, 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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: NV
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 XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Texas Guaranteed
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My loan was escalated improperly in XX/XX/2016. In XX/XX/2016 I called XXXX to secure a deferment as I was unemployed and receiving UE benefits, Food Stamps, and XXXX. I was only offered a Debt Consolidation for those loans. I was unable to accept that option based on research I had done. I advised I would call back after I started work. I called back in XX/XX/XXXX. Although, I had just started working, I attempted to make a {$50.00} payment. The representative said I needed to make {$150.00} payment and could not accept my payment. I was never offered an option to Rehab my loan. I remained in default and continued to live check to check. The other student loans I have with another servicer were with XXXX and were in forbearance/deferment. I have opened every singe communication I had with XXXX. I am not disputing what I owe however I only made XXXX last year and mounting medical bills due to an ongoing condition. I was never notified my loan would be accelerated to the Treasury Department. When I called XXXX last week, I was told they send out a letter in XX/XX/XXXX. They had the correct address on file, as they always have. I asked for a copy of the notification for garnishing my tax return. Not only did they say the couldnt provide, but they also said they had no record of me calling back in XX/XX/XXXX when they declined to take my payment. I talked to XXXX, the manager and he was very condescending. I advise there would have be no reason for me not to have been in some kind of deferment since I was and are still on government assistance. I am now working full time, but I am just barely catching up from being off work. I am also facing eviction because my taxes were taken. I know the government does not require notice if they are taking something, however the servicing contract XXXX has with the government should include proper acceleration of a loan to allow the borrower in financial difficulties to cure. Again I add, I have been on deferment with the other loans I currently have with a different servicer and there would have been no reason whatsoever for me not to have been on deferment or forbearance with XXXX. This should have never escalated to this point. XXXX falsely notified DOE/Treasurer that I was not trying to cure to the point my income taxes were taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: FL
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:
Debt collector XXXX XXXX XXXX unable to provide supporting evidence and Ive attached a document that verify that 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 non-monetary relief
Consumer complaint received 2021-07-30
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report. 

XXXX/XXXX  Inquiry :XX/XX/XXXX As a consumer by law these inquiries on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state pursuant to 15 USC 1681n, also Ive already involved and sent this letter to the CFPB, attorneys general office and the better business bureau and Federal Trade commission.

PLEASE MAIL ME AN UPDATED CREDIT REPORT SHOWING THE REMOVAL OF THESE INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: ERC
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I ported my cellular telephone numbers to XXXX from XXXX. After I ported my numbers over my account should have been closed as I have done this in the past and my accounts had been closed. 

XXXX did not close my account, they continued billing me for additional months of service before I realized they did not close my account until I received a bill showing a very high amount owed. 

I called XXXX and disputed that I had an active account, and explained to customer service that when I transferred my phone numbers to XXXX my account with XXXX was supposed to be cancelled and I was supposed to receive I final bill which would have been for about a week of phone service. 

The customer service reps would not help and told me I had to call them to cancel service, which seems fraudulent. 

I tried to dispute the amount and asked XXXX to adjust the bill to properly reflect when my account was cancelled. They refused and said I had to pay for additional months of service when I did not have phone service. 

I then requested that a manager contact me so I could discuss with the manager further, the manager never contacted me. Instead they sent it to a collection agency that I believe was named XXXX. 

I disputed this debt with XXXX and explained the reasoning. 

As of XX/XX/XXXX I received a collection letter from a different collection agency named ERC, address of XXXX, FL XXXX The new agency did not review my past dispute of the debt to correct the issues, It is believed XXXX did not review my dispute and instead sent the debt which is not valid to another collection agency. 

The reference Number that ERC gives me for the debt is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-22
Company: ERC
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter of collection from ERC, this past week, stating I have an outstanding balance with XXXX XXXX XXXX of {$820.00}. I have NOT received a bill from XXXX, for ANY balance. Because of a prior complaint, I filed with CFPB XX/XX/2015 with XXXX and XXXX, I have taken a look at my credit report, I do not at this time see any collection attached from XXXX or ERC. collection. 

XX/XX/XXXX, I did have to file a complaint with CFPB against XXXX and XXXX XXXX, XXXX who had placed a collection of over {$400.00} dollars on my credit report. I did not receive any bill from XXXX. after receiving explanation back from diversified thru CFPB, this was recently removed in XX/XX/2015, from my credit. I had spoken with XXXX XX/XX/XXXX, prior to the other problem filed about XXXX and was told I have " No balance with them. '' I do not have XXXX or any XXXX, listed in my name that I am aware of. Also due to the breech with the XXXX my social security number or other personal information may have been compromised. 

I would like CFPB to look into this with XXXX and ERC. I do not feel this is my bill. I have NOT contacted ERC because I am concerned, as too their legitimacy. I Do not want to continue to be harrassed by XXXX or any of their collection agencies. This is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief