BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted XXXX, XXXX and Transunion to dispute the validity of the accounts showing up on my credit reports. I sent multiple notarized letters to all three agencies. I explained in these letters that I have never done any business or received any service from the collections company listed on 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 non-monetary relief
Consumer complaint received 2018-08-30
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I currently have federal student loans from XXXX XXXX serviced by XXXX. I'm doing PSLF and have my loans in IBR. Each year I submit income verification form and did so this year. Prior years my payments were lower due to lower income, and this year my payment increased to the 10yr repayment as income was high. I received a letter dated XX/XX/2018 from XXXX. 

" -- We received your documentation for your annual recertification but determined that you do not have a partial financial hardship ; therefore, your new payment amount is not based on your income and family size. Your loans will remain on the Income-Based Repayment ( IBR ) plan but your payment amount changed to XXXX. -- '' And then I discovered that on XX/XX/2018 {$20000.00} of interest was capitalized. This raised my loan balance from $ XXXX to $ XXXX. 

I called XXXX on XX/XX/2018 to find out about why interest was capitalized. I was initially told that it is because I didn't submit my re-certification. I told them that I did ( it even says so in their letter ).  They then told me that there are 2 types of IBR plans, and I was in the one that had financial hardship and now I'm in the one that doesn't. And because of this change they triggered an interest capitalization. 

I went on studentaid.ed.gov and there was no mention of the situation I encountered. There was mention that if you don't re-certify income the interest does get capitalized. But I did re-certify my income. 

Please help me remove this interest capitalization. 
I do not see this as appropriate. It was either a mistake, or a deceptive practice. I'm in IBR plan, my income has increased so I'm paying more while under the IBR plan and they capitalize my interest. This makes my total repayment even higher. 

I would greatly appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The credit card company is stating I made a late payment and that is not the case. There were two months in 2018 when my payments were returned by them and I had made the payments with a new bank account. They said they didn't receive but the monies showed withdrawn from my checking account and were scheduled automatic payments.

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 2021-12-28
Company: LEXISNEXIS
State: SC
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:
XX/XX/2021, LexisNexis is required by law to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy as the fair credit reporting act states in 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting- ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Information SHALL NOT INCLUDE specific factual information ON a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 15 U.S. Code 1681a - Definitions ; rules of construction. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I DID NOT GIVE LEXISNEXIS WRITTEN PERMISSION TO ADD A BANKRUPTCY TO MY CONSUMER REPORT. The next law states that very clearly.15 U.S. Code 1681b - Permissible purposes of consumer reports- 15 U.S Code 1681b ( 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. LexisNexis is exercising unfair practices and violating the F.C.R.A. because I have not and will not give a consumer reporting agency permission to put anything on my consumer report. As a consumer I want the bankruptcy DELETED from my consumer report IMMEDIATELY. I have attached document for proof because LexisNexis is reporting this to XXXX, XXXX and XXXX without my CONSENT as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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: Account information incorrect

Complaint:
The credit card company is stating I made a late payment and that is not the case. There were two months in 2018 when my payments were returned by them and I had made the payments with a new bank account. They said they didn't receive but the monies showed withdrawn from my checking account and were scheduled automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I got notification that my credit score keep going down. I checked it and I noticed that someone opened the credit card from capital one and closed it with the debts over {$2000.00} under my name. I called to the capital one bank and told them that I never open the bank credit. I never see any bank around my area. They said that was online. I said I never open credit card on online. I only open in person at the bank. They said they will do investigation. They asked me for my Id and my social security. I sent it to them and months later they still sent me the bills. I called them too many times and they kept saying they will doing investigation but also still sent me the bill and amount now going up to {$3000.00}. And my credit score keep going doen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and bought a car under my name and credit score for {$22000.00} in XX/XX/2020. The only reason I found out is that I wanted to get a loan from my credit union and the lady told me I had not made my car payments for over a year. She showed me the information and it shows a collection agency named Portfolio Recovery Associates and also says that I am responsible for the auto loan as well as two other people named : XXXX XXXX and XXXX XXXX. I do not know these people. I did not buy a car or co-sign a car for anyone except my daughter XXXX XXXX. I have never received any phone calls or letters from this collection agency. I believe the thieves did not use my address or phone number because I would have caught this sooner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX AND XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX ) XXXX Balance {$720.00} ; XXXX XXXX XXXX Inquired on XX/XX/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 2021-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This is another attempt to resolve an issue with the company and debt collector Capital One, and according to 15 USC 1692a ( 6 ) capital one is in fact a debt collector because they repeatedly use the mail for the principle purposes of collecting an alleged debt. 

I, XXXX XXXX, ( my, I, me ) am a consumer. 
Capital one has federally violated and continues to violate my rights as a consumer, and natural breathing person by committing fraud and taking ownership of an account that was created for me, XXXX XXXX, on XX/XX/XXXX and closing the account ending in XXXX with unauthorized use pursuant to 15 USC 1602 ( p ). 

As of XX/XX/XXXX Capital One received a notice to cease and desist communication and illegal activity pertaining to the account ending in XXXX. During this time, I also requested Validation of the alleged debt ending in XXXX, which Capital one said I owed.

Capital One refused to comply by still communicating/reporting missed payments in regards to this alleged debt and the closure of this account to a credit reporting agency therefore in violation of federal law pursuant to 15 USC 1692c ( b ) Capital one also failed to VALIDATE the alleged debt pursuant to 15 USC 1692g by stating they found verification which is not validation by public records which is also invasion of privacy. 

It is fact that the account was closed not by me, XXXX XXXX, a consumer and creditor pursuant to 15 us 41, but by Capital One, the debt collector, and without proper validation of such alleged debt. 

It is fact Capital One is at fault. 

All exhibits are enclosed, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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: Account information incorrect

Complaint:
The credit card company is stating I made a late payment and that is not the case. There were two months in 2018 when my payments were returned by them and I had made the payments with a new bank account. They said they didn't receive but the monies showed withdrawn from my checking account and were scheduled automatic payments.

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 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-12-28
Company: TrueAccord Corp.
State: PA
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:
I have reached out to XXXX XXXXXXXX and sent them a cease and desist. I also requested specific documentation from this company which i have yet received a response. XXXX XXXX is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : 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 


has violated my rights. 




15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2019-11-22
Company: D2 Management LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a call from ( XXXX ) XXXX saying they were calling from D2 Management, I spoke to XXXX and she was trying to get me to confirm my SSN, I let her know that I didn't feel comfortable giving them my SSN, i asked her twice were she was calling from and she said D2 Management, I asked her for their phone number and she said it was on my caller ID and she hung up. I called the ( XXXX ) XXXX - XXXX and a lady answered saying hello, I asked were I was calling to and she said D-2 Management, I asked her what it was about and she said they were collecting for XXXX  XXXX and that they were doing it before XXXX  XXXX would take further legal action against me. I asked the lady for an account number to mail a check and she said that they do not take check only debit cards, I asked her again for an account number and she said that she didn't know what I was talking about and she said that she was going to get her manager, i told her that they are supposed to have an account number for my collections account and that they are not following the FDCPA rules and she hung up on me. I never recived anything from XXXX XXXX  or D2 Management stating that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Theres a inquire on my credit report I have no knowledge of and trying to get it removed but the creditor is not trying to remove it I tried reporting it as fraud but still nothinf

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 2023-04-28
Company: Experian Information Solutions Inc.
State: NC
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XX/XX/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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I disputed the unknown inquires and the company and the credit bureaus are refusing to remove 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 explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Equifax Credit bureau has failed to respond to the removal of the erroneous information about my inquiry. Sending them the last complaint, dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my Inquiry are continuously reported on my Credit Report. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXXDate of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

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