BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MD
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Experian Information Solutions Inc.
State: NJ
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:
The credit bureaus reporting false information. I been disputing this for months. And if taking longer than 30 days to get a response. It keep coming back verified. This is false information I never did any business with 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 2019-12-30
Company: Nelnet, Inc.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions 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:
I reported it as fraud and its still on my report I did it multiple times, I sent in police reports.

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 2020-04-19
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I called and emailed pro collect to try and settle debt although I don't agree with the amount.up on on XX/XX/XXXX and XX/XX/XXXX no amount was accept i offered to pay 200 dollars to start a payment plan i was told i needed more and that nothing would be accepted unless i had that amount, explained my circumstances and it was ignored and i was rudely hung up on. However on XX/XX/XXXX i called procollect trying to settle debt again and was told my account was restricted and no information could be provided to me and that i need to email Mr.XXXX, so i did and on Thursday XX/XX/XXXX @ XXXX XXXX Mr.XXXX called me and i asked if i could start a payment plan to try and resolve the debt and explained my situation and Mr. XXXX refused to settle or provide payment options. I aslo reached out again on XX/XX/XXXX trying again with the same end result. so I would like the option to settle if I could pay in full I would have. I want to settle this account and be done with it. I have no contracts that bind me to ProCollect , Inc and they have not furnished any documents that says I have to pay them but I dont want to prolong this any longer.

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 2020-06-19
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My issue is with American Express and their illegal practices on an account that originally opened in XXXX as a Basic Green Charge Card with no limit. I maintained the account with excellent repayment history. Thus, excelling to both Gold and Platinum status subject to paying yearly fees as a Member. 

In XXXX, when the market crashed. American Express reached out to me and asked me to summit Earnings, Profit and Loss Statement on a recorded line. I refused to do so and shortly thereafter out of retaliation they suspended my account and forfeited my XXXX points equal to {$1.00} spent. So {$150000.00} spent to earn this point status. American Express breached the agreement as there was nothing in the agreement that said that I needed to submit a Earnings Profit and Loss statement to maintain my account and if I failed to do so my account would be cancelled and the points would be forfeited. 

The account was in excellent standing with no late payments. And they constantly changed the rates because a carried a balance on the credit side of the card. So I was subject to outrageous fees. I continued to pay them but missed the benefits of using my card and most importantly using the points that I rightfully earned. 

In XXXX, I started being told by American Express that I was no longer financial responsible for paying the account due to a law suit. I continued to pay upto XXXX and noticed that they had deleted my account from my credit report. It was at that point I stopped paying and realized that whatever happened int he lawsuit I was no longer responsible. In XXXX I applied for a XXXX XXXX and was approved. Shortly, after I received the card. Oddly American Express started reporting the deleted account back on my credit report as CHARGE OFF! damaging then my XXXX XXXX XXXX. 

I am more than disappointed with American Express as I feel very discriminated against and a target for their loss with the market crashed on XXXX. They had a wonderful paying customer who paid on time. They stole my points from me in which I was entitled to. And then at XXXX balance they told me I did not need to pay any longer. I would have rather them give me my card status back and make the balance XXXX in exchange for the wrongful forfeiture of my hard earned points and the outrageous money they made off me from their high interest rates, and member fees far exceeded their so called {$15000.00} charge off which is fraudulent. I am very certain your company is aware of similar matters with American Express. I simply want justice before engaging an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: First National Collection Bureau, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
I have received a letter from the First National Collection Bureau. They have sent this letter for a company named XXXX concerning a debt that was on my credit report in the past and charged off on XXXX/XXXX/2007 according to this letter form First National Collection Bureau. With that being the case any statutes of limitation has run it 's course. 
XXXX XXXX has received letter 's in the past from my attorney to cease collection efforts and they agreed with letter to my attorney. Now they are using this other company to collect an uncollectible debt. XXXX XXXX is well aware of this and this is an illegal attempt to collect an uncollectible debt. This is an attempt at scamming me, If I was not aware of the law, I would not know what to do. This company, First National Collection Bureau does not preform it 's due diligence before it sends out it 's notices. If they had they would see that this is uncollectible yet they try to scam people on a regular basis. I know several people that have had this company try to collect uncollectable debts. They even offer a " convenient '' repayment plan for those that are unaware of the law. 
This to me seems to be in violation of the fair credit reporting act, violation of the Fair Debt collection Practices Act and is probably in violation of Oregon state law as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I paid my debt as requestedXX/XX/XXXXand was told that my account was satisfied and closed by Midland Funding ( the legal subsidiary ). When I called to check on my account with Midland Credit Management ( the consumer support division ), I was told they had no record of my payment and it was " in another system. '' This is a situation where I have paid as agreed and they are sending me from one company to the next, playing hot potato with my attempt to clear my account and remove their trade line from my credit report - which they indicate they must do per their very own website policies. I can never get a straight answer from anyone, any time that I call, regarding how long it will take and what steps need to be taken other than a very broad " can take up to 30-45 days '' each step and " you must wait, thats the way things are. '' All the while, their employees and supervisors take a smug and arrogant attitude and pursue shame and guilt as tactics to give themselves some unnecessary space from answering the question at hand. The point remains that I have no debt with this company and they are in no hurry whatsoever to resolve my claim and clear my name. They are hiding behind technical incompetence and " the way things are '' as opposed to having a positive outcome with a client of theirs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-23
Company: AES/PHEAA
State: MI
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:
I have been in the PSLF program for some time. I have made all payments as required, always certified employment on time and correctly, followed the servicers advice, and been in a qualifying IDR plan since entering the PSLF program. However, the servicer claims I have made different numbers of qualifying payments on my various loans, and their customer service representatives have been unable to explain why the numbers of payments are not the same on all loans. 

Furthermore, I submitted employment certification inXX/XX/2017, nearly a year ago, and the numbers of PSLF qualifying payments showing on my monthly bills have yet to be updated. Customer service can only say that they are still processing it. 

Finally, I was placed into an administrative forbearance when I entered the PSLF program because, according to the PSLF servicer, my previous servicer had given them incomplete or incorrect information about my loans and that was the only way to resolve the issue. I made payments during this forbearance, but the PLSF servicer still capitalized to principal all interest that had accrued during my forbearance. They refused to reverse this action although I protested that it was unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 Credit Bureaus have been doing nothin despite all the letters and complaints I have been submitting addressed to the Credit Bureaus. How many letters do I have to send? How many complaints do I have to submit? Is it not that enough proof to inform you that I am a victom of Identity theft? I am frustrated to see the Credit Bureaus stall the removal of the items I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking proof of documents bearing my signature to prove the Credit Bureaus claims that the disputed items belong to me, and yet they sent me nothing! I have been offered help by my legal counsel to pursue legal actions byt filing a lawsuti against the Credit Bureaus and sue them for the damaged taken due to therur incompetence. I am submitting this complaint to inform the Credit Reporting Agencies that I am going to file a lawsuit against them if they still chose to not remove the disputed items from my Credit Report. If the Credit Bureaus do not want to be brought up to court due their willful non-compliance of the FCRA, I advise them them to remove the following items completely from my Credit Report at the earliest possible time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$390.00}

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 2016-08-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The Credit Reporting Agencies are reporting a Chapter XXXX bankruptcy discharge, identified number XXXX, on their own conduct and behavior. I did not give the Credit Reporting Agencies any Prior Direct Consent to communicate this information on my private credit file. Further, Bankruptcy Courts does not report or attempt to report Items on a consumers private credit file. These actions are solely being done by the Credit Reporting Agencies and/or their Agents. 

The reporting of this information is also obscene and profane which lead to the natural consequence being abusive to me the consumer before and after reading and hearing this 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 2016-09-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax : ( While trying to make an inquiry ) With every choice of a menu item, they seem to add a delay ; so, it takes a lot of time to correct a false credit report item. Also, in the middle of my effort ( after a large investment in time ), the process was ended by Eqifax with a message : " SYSTEM CURRENTLY UNAVAILABLE '' We are unable to process your request '' " Please try again later ... '' and they suggest going to their email inquiry process. ( and starting over ). 
This is n't the first time they used this tactic. It worked on me the first time ; but, I 've resolved to complete it. 
Also, although I 'm going to see if there 's a specific page within your site where I should report this, I was surprised to see an inquiry from Vivint on my credit report. I did not knowingly authorize this. It 's a concern since my score has decreased by XXXX % in 6 weeks. I 've authorized XXXX or XXXX inquiries and would n't have expected this. There have been no other net changes to other credit report items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$0.00}

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 2022-07-26
Company: EQUIFAX, INC.
State: OK
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 Credit Bureaus have been doing nothin despite all the letters and complaints I have been submitting addressed to the Credit Bureaus. How many letters do I have to send? How many complaints do I have to submit? Is it not that enough proof to inform you that I am a victom of Identity theft? I am frustrated to see the Credit Bureaus stall the removal of the items I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking proof of documents bearing my signature to prove the Credit Bureaus claims that the disputed items belong to me, and yet they sent me nothing! I have been offered help by my legal counsel to pursue legal actions byt filing a lawsuti against the Credit Bureaus and sue them for the damaged taken due to therur incompetence. I am submitting this complaint to inform the Credit Reporting Agencies that I am going to file a lawsuit against them if they still chose to not remove the disputed items from my Credit Report. If the Credit Bureaus do not want to be brought up to court due their willful non-compliance of the FCRA, I advise them them to remove the following items completely from my Credit Report at the earliest possible time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXC XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
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:
I recently requested my credit reports and found some fraudulent accounts had been opened in my name. 
XXXX Report # XXXX Is reporting two fraudulent accounts that do not belong to me : *XXXX XXXX XXXXXXXX XXXX XXXX orginator of the debt ) * XXXX  XXXX XXXX- ( fraudulent auto loan/lease ) I have directly contacted this credit bureau with my dispute, I need your assistance at this point. 

Equifax- Report # XXXX Is reporting a fraudulent account from XXXX XXXX XXXX XXXX auto loan/ lease0 This account is not mines and was opened in fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: ECMC GROUP, INC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am unemployed, I filled out an application for an Income-driven Repayment plan at studentloans.gov, and was granted a zero amount repayment in   XXXX   XXXX       In   XXXX   XXXX   my income tax refund was withheld b  y ECMC ( Educational Credit Management Corporation ), claiming that I was in default. Up until this letter, I had no correspondence from ECMC stating that I was in default, nor was I ever even informed that ECMC was a lender of mine. I am not in default with any of my other lenders. All my other lenders received and granted my Income-driven Repayment plan.
I emailed ECMC twice and have not received a response.

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 2022-10-02
Company: Experian Information Solutions 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:
This account is reporting on my credit report as a collection, and I did not open this account. This is clearly a result of identity thief and this need to be removed off my credit 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