BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I do not, and am not disputing ownership of the Trade line contained in this. 

XXXX XXXX Account account is reporting inaccurately, and incompletely. Please update its data to report correctly - or DELETE the account. 

This Collection account is reporting as if they are Credit Grantors, when in fact they are not. And as such, They are expected to be reported in the ( XXXX and XXXX ) segment allowed for such reporting, Collections. Please see page XXXX - of the attached sample Equifax credit report., from equifaxes ' own site. 

This collection account, and all others showing on my files- allows this debt collector to report this activity as if - I have/had an " OPEN '' type ( reserved for XXXX, utility companies ) - where a contract for services exists and that such contract allows for payment when billed. They as debt collectors - can not report in this manner. 
FCRA - 623, is the section in which this complaint, is being filed 1. Because of the way in which this is reporting, and ORIGINAL CREDITOR must exist, and does NOT 2. This account is showing as an " INSTALLMENT '' Type of credit line, when they can not as Debt Collectors 3. Is inaccurate - as even as it resides in this segment of my report - lacks its true Pay Status, as they can only have " PAID Collection '' or " Unpaid Collection '', or check, of which this account is not. This instead has " In Collection '' when this value is dedicated to Credit Grantors only. 
4. Stores a date of First Major delinquency, which the Debt Collection CAN NOT own or report after it bought or was assigned this account. This - is owned by the Original Creditor - and is wholly inaccurate 5. Has a High Credit - which is wholly inaccurate, there is no HIGH Credit with a Debt Collector, only - the Original Creditor 6. Even existing on this record in its current state - the record is wholly incomplete A credit Grantor must supply the Creditor classification, this is blank c. The Balance History would then be mandated, and this is blank 7. This is a paid collection, and there is neither a concise closer status nor a date. 
I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. There is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see attached letter for details. I do not owe this debt. They are illegally trying to collect from me. They have illegally without my {$600.00} security deposit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My Lease was up in XXXX of XXXX with XXXX XXXX XXXX  and they require you notify them within 60 to 90 days if you are not going to renew. I called the apartment complex office in XXXX of XXXX to inform them that I would not be renewing my lease and asked the agent what was my next steps to confirming my decision, she told me I would need to email the the office or come in, with my work schedule I told her that I would have to email them with my decision and she said OK. Sometime in XXXX Leasing Agent XXXX called me asking me why I did not want to renew and I told her to review my email that was sent. XXXX tried to convince me to stay but I told her I would only consider if my demands were met, she never got back in contact with me to update me on my demands and I sent another email letting her know I was sticking with my decision to not renew. Now when I check my Credit report that have a balance of {$2000.00} for unpaid rent and they are stating I did not give proper notice which I did.

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 2015-06-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax continues to illegally report a credit report item that is beyond the statue of limitations. 

XXXX XXXX XXXX XXXXEquifax continues to illegally re-age the account line. I 've contacted XXXX XXXX directly and received proof from the company that they are no longer reporting the account any credit bureau, yet Equifax refuses to delete the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
After a year of vacancy my apartment I received An account on collection from this apartment I never received notification of debt, calls mails or Emails from this lease office to charge me the amount they are doing now This is affecting my credit a lot!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a private student loan. The representative indictaed to me that i had forbearance time available to bring my account current which would avoid any negative credit reporting. She emailed me the documents, in which i faxed back on time. I expected my account to be brought current however it was still reported negative past due for 60 days although XXXX specifically told me to fax these documents and i would be all set. I check my credit weekly and noticed that XXXX XXXX XXXX the creditor whom is partnered with XXXX which houses the loan reported my account 60 days past due. When i contacted them they told me there was nothing they could do and apologize for the misinformation. This is extremely wrong and shouldnt be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: U.S. BANCORP
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Account XXXX, balance of XXXX original creditor XXXX XXXX SOLD DEBT TO A COMPANY WHOM NEVER GAVE ME THEIR NAME OF THE COMPANY Account was closed XX/XX/2020 was misinformed and miseducated about the balance that needed to be collected on a partial payment. Company didnt give a name of who was collecting my information and intimidated me for a partial payment. Currently theyre still writing charge offs on my credit report and the account been closed since 2020. XXXX negative charge offs! on my credit report UP TO DATE

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 2016-08-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Experian Information Solutions Inc.
State: TN
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 provide information to   XXXX   in   XX/XX/XXXX ,  disputing inaccurate reporting by  XXXX  and   XXXX   XXXX   XXXX   on my credit report. Supporting documentation and the listing of my chapter  XXXX  case including my student loans was referenced in the dispute to  XXXX . I reviewed the completed dispute from  XXXX  recently and the disputed items are displaying that my account with  XXXX  is closed, and that no payments have been received since  XX/XX/XXXX . I have been under chapter  XXXX  bankruptcy since   XX/XX/XXXX .    XXXX   XXXX   XXXX   has been reporting payment history for all of my loans to this reporting agency since that time

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 2017-02-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I applied for a loan and the loan officer pulled my credit and received XXXX credit scores. One was significantly lower than the other two- Equifax ! Not only is a lot of the information on Equifax outdated. They had no idea I bought house and had changed addresses three times since the address they had on file until I told them. Now my problem was with communication. Apparently they outsource their customer service to foreign countries because the language barrier was unbearable. I was not only disrespected by the rep requesting all my confidential information, I was ill at ease with having to provide any information to a person I was having serious trouble trying to understand. Equifax should be required to be as consistent with updating information as XXXX and XXXX. And! This is America! Why is it the only people outsourced to provide Americans assistance with their privileged information is the same voice calling from XXXX saying my computer has virus and they 're calling to help? Where is the accountability? After speaking with a rep at Equifax for 40 minutes nothing was resolved. I felt forcibly violated by having to provide my information to people I could not understand and could n't provide me with assistance. Where is the accountability?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hi, I have a Chase credit card just one. I havent used it in a while. It had a credit on it and every month Id get a statement in the mail telling me that I owe nothing and there is a credit. I thought the ethical thing to do was to call and have them issue me a check for the credit amount. They did. I brought the check to Chase and they wouldnt cash it, ostensibly because I have no checking account at Chase Bank. I dont, thats true. All I have is a credit card, which I dont use. So, basically, I received an uncashable check from them. It would cost me more to open a checking account at Chase than the check is worth. 
Just thought consumers should be aware of this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have been trying for the last 2 weeks to obtain an SSI Statement so that I may start the process to file for SSI insurance. However each time I try to access the system I am rejected due to incorrect information. I spoke with SSI and was told that he information used to verify my identity is done through Equifax and was given a number to reach someone there never the less all I kept getting was an automatic system which was no help. I went online to obtain a number for Equifax so I could speak with an customer service agent and I got someone name : XXXX who basically tells me my name is incorrect even though on my credit report I get from them I can see my name listed as though it is an fraud. I was married in XXXX and had my last name changed legally all documents Social, ID, tax returns, home lease, utilities, and employment are under my marriage name. But since Equifax has not updated the information and this is one of the main credit bureau that companies use it is like I am using fraudulent information. I was told that my information would not be changed until I submitted information to them but when asked for the address after having to request to speak with a supervisor who I was told would not speak to me I was given the following address : Equifax XXXX, XXXX XXXX Ga XXXX the correct address listed online is Equifax Credit Information Services , Inc XXXX. XXXX XXXX XXXX, GA XXXX .Maybe it is me but it seems as though there is some information missing from this address I repeated and asked at least 3x times if this was correct. I feel like the way the customer service agent handles calls was definitely not correct. The incorrect information which is listed for me is affecting paperwork which I need to have submitted. Also the fact that the supervisor was eager to get off the phone rather than assistant me with finding out how to get all my information updated correctly makes me feel really worried. I have seen a couple of things listed on my credit report concerning auto loans which I know I have not applied too or for. The last time I applied for an auto loan was in XXXX so I do n't know who I can speak with concerning this matter either all the other credit bureau handles these matter quickly, but not Equifax. I need Help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Two months ago I sent in a dispute to Equifax. They did not reply and have not cleared disputed entries. As a result I was denied a credit card XXXX. I included all relevant information including a current drivers license as proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} and XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-03-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a tax lien reporting on my equifax credit file due to having unpaid taxes i had to pay to the state of Georgia. Around XX/XX/XXXX, I had received a letter from the state of Georgia saying that I owed at that time, {$810.00} to the state due to taxes that I filed back in XX/XX/XXXX. After receiving this notice, I immediately contacted Georgia Department of Revenue to get this taken care of which I did. I made payments over a period of about 10 months which totaled {$810.00}. I made these payments hoping nothing bad would come out of this and everything would be ok after its paid off. Well, I went to go try to finance a car and the dealer immediately turned me away due to having a tax lien on my credit report. At that time, I did not know what a tax lien was or how it even got on my credit file until I found out that it came from not paying my state taxes. As soon as I found out where it came from, I took aggressive action in trying to remove this from my credit file by disputing this with equifax. Even with paperwork that i have showing that it was released in XX/XX/XXXX, they keep refusing to remove this and telling me that it is reporting accurately and will remain on my credit file. I just dont understand why after something I have paid in full, and something that does n't even pertain to them, why they just do n't remove it after years of it being on my credit file and being paid. Its not hurting equifax! It 's hurting ME! Its literally keeping me from obtaining credit at certain places. I am begging you, PLEASE ... PLEASE help me! I am trying to and wanting a better future for my family and I and this is really hurting it right now. Thank you so much for allowing me to write and submit this letter to you. I hope you will understand and see why I want this removed. Thank you again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have inquiries on my Equifax credit report that I did not authorize. The inquiries are from XXXX, XXXX XXXX, XXXX XXXX, XXXX Credit card, XXXX, XXXX, XXXX, and XXXX. Please have these inquiries removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Nationwide Recovery Systems, Ltd
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This is about a continued claim I already filed, about not even owing the money and going direct to the source. 
I have asked the credit collection agency to stop calling regarding this ( they were very upset about me going to original party about this ), they still have not sent any materials so I can even see information or contact information for original party! 
They keep calling even though every time they call they are told not to call me! He yells at me that he has every right, that I owe this money to them now, I always hang up. 

Here are dates and times all Pacific same day as reported originally just later : XX/XX/2020 @ XXXX XXXX  XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX ; XXXX XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX XXXX caller is using two different phone numbers XXXX and XXXX

Company response to consumer: Closed with explanation