BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-23
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Company keeps closing my complaints. Have failed to provide substantiation of the debt; including but not limited to, verification of the debt, chain of command, payment history, and loan disclosures with my signature, full and proper accounting of the loans. Furthermore, I only received 13 of 17 documents provided by the company. I am a litigious consumer and will escalate this matter to the highest extent of the law if this matter is not fully investigated. I did not sign the document uploaded by the company on XX/XX/2020. Company is in violation of section 609 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
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: Information belongs to someone else

Complaint:
There are several inquiries on my credit reports that I do not have knowledge of. I have attempted to contact each of the companies who " inquired '' to my credit report and they advised me that I need to contact the Bureau which they are showing. I have attempted to contact all 3 credit bureau 's on several occasions and listed the names and dates of the inquiries along with a few duplicate inquiries and they were not helpful. They pointed me back to the company who originally submitted them. One rep encouraged me to file a police report and told me this had to be fraud before they could do anything about it. Per the credit bureau 's website it states to contact them directly with any disputes, there is nothing indicating a police report is needed before they will even speak with you about you concerns and there is nothing indicated that you need to talk to the orginal company who requested to view your credit report. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I have a child support order against with covid it got behind {$3500.00} something to MO Family support division. It has been paid in full monthly and is now paid off my payment history was never on there or the balance decreasing on all XXXX, Transunion, and XXXX and even says unable to locate me on the debt?? Thats not possible as my address are all on file with mo family support. I disputed the no payments showing and it still having a XXXX dollar balance.I sent in the payments receipts and showing its now paid in full yet when the results came back it updated the history but the balance still shows {$3500.00}?! Its paid {$0.00} owed all current and support once paid isnt credit or installment contract and shouldnt be reported once paid. That XXXX was roughly 30 % of my debt and my score hasnt changed to reflect the on time payments or boosted it ... ..again i paid and proved i paid off 30 % of my total collection debt but dont get any points or a correction where it reported no payments when infact theres been almost 3 years of paymentsade to it?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There are several inquiries on my credit reports that I do not have knowledge of. I have attempted to contact each of the companies who " inquired '' to my credit report and they advised me that I need to contact the Bureau which they are showing. I have attempted to contact all 3 credit bureau 's on several occasions and listed the names and dates of the inquiries along with a few duplicate inquiries and they were not helpful. They pointed me back to the company who originally submitted them. One rep encouraged me to file a police report and told me this had to be fraud before they could do anything about it. Per the credit bureau 's website it states to contact them directly with any disputes, there is nothing indicating a police report is needed before they will even speak with you about you concerns and there is nothing indicated that you need to talk to the orginal company who requested to view your credit report. Please help!

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 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion and XXXX both is in violation of mishandling my credit files by first reinserting an account inwhich was removed in XXXX of XXXX, only to reinsert it in XXXX of XXXX, this account is XXXX XXXX XXXX. It is a consumer law that states that the reporting agencies must give one 5 days notice of reinserting an account. I'm demanding that this account be blocked from my credit files immediately. Secondly, I have demanded a show of the Method of Verification used in the following accounts including the above account. 

Account 1, XXXX {$940.00} Account 2, XXXX XXXX XXXX {$1000.00} Account XXXX, XXXX XXXX XXXX Please provide me with every detail in investigating the above matter at hand. Who did investigated this matter, name and title. Also inwhom did they speak with, name and title. What time, what day, and what physical documentation did you and your companies received. What physical certified documentation did you and your companies provide me. If you can not provide me with this request then as a consumer with rights as stated with the FCRA, the above accounts shall be blocked immediately..My problem with your last investigation is that electronic Verification can not be a valid means for any vertification, there it can not be accepted as proof. Please block the above accounts immediately.

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 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2023 I legally requested ( via certified mail ) for this creditors to verify that this account is 100 % accurate as i have proof that there are several inaccuracies. The credit bureau ( Transunion ) will remove these items and they have " NOT '' been verified as 100 % accurate as i have requested now several times and i will pay immediately. There have been repeated noted inaccuracies and the bureau ( Transunion ) continues to disregard my investigation request within a legal allowable timeframe ( 30 days ) or remove these items. This Bureau ( Transunion ) have repeatedly violated my legal rights by ignoring my requests to remove these accounts. I am willing to contact my attorney at this point as i am not getting any resolutions through CFPB, the Bureaus or the creditors directly. Below is a list for the following inaccurate accounts that are being disputed : Transunion 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  SD XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH 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 non-monetary relief
Consumer complaint received 2020-10-01
Company: Experian Information Solutions 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:
I first contacted Experian about the incorrect information on my report and disputed it. They did not remove it, but not that there was payments in default. There was also an incorrect Florida address on my account which they have since removed. I just noticed today that the SSN that shows is not mine as well. I will be calling them today to get this problem corrected. It is supposedly from a XXXX credit in XX/XX/2020. I have contacted XXXX and I have no transactions on my account for this year. Since I have no transactions I can not file a dispute. I have been messaging them. They sent me a phone number and again since I do not have a credit card or transaction number they can not seem to assist me. I have also tried calling XXXX XXXX which has the XXXX XXXX account and again since I do not have a credit card or transaction numbers I can not get past the initial computer on the phone call. I have been trying to resolve this incorrect information being placed on my credit report since XX/XX/2020. The biggest problem is that there is no way to file a dispute when you have no transaction numbers or account numbers. I have been on the phone with these companies multiple times and there does not seem to be anyway to get through if your problem is not listed in their short list.

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 2022-04-05
Company: EQUIFAX, 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:
These accounts do not belong to me, please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Kriya Capital, LLC
State: KY
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:
While looking at my credit report i have noticed that there was a discrepancy in the " account status '' section. 
Account Name : Credence RM Original Creditor : XXXX XXXX is reporting this account as open. Obviously, an account that has been sent to collection/chargeoff should not be reported as an " open '' account. 
There is also an inaccuracy with the date of last activity. XXXX is Reporting it as of XX/XX/22 and XXXX is Reporting a date of XX/XX/22.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: Credit Bureau of York, 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: Information belongs to someone else

Complaint:
Hello, I have an account on my credit report showing from YK CR BUREAU. The orginal creditor name is XXXX XXXX. The balance is showing on my credit report as {$1400.00} and the account status is listed as open. I have attempted to dispute this account with YK CR BUREAU as well as XXXX  and it has not been removed. This is not my account and belongs to a relative. They were residents at XXXX and left the apartment in " bad '' shape when they left. Again, as I have mentioned I have tried disputing this several times and have been unable to come to an agreed solution. This account was moved to collections on XX/XX/2018 and is hindering my ability to reach my desired credit score to be able to do things to achieve my financial goals. I would like assistance is trying to get this information corrected. I believe this is reporting for my self, XXXX XXXX and XXXX XXXX but the person ( s ) who resided here were XXXX XXXX and XXXX XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
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:
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely 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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
There is an unauthorized hard pull credit inquiry that I didnt recognize on my Transunion credit report on XX/XX/2022. I call the phone number provided and it happens to be that of Transunion but Transunion customer service said the hard pull is not from them and the company address is not Transunion address. 
Ive ordered a freeze on my credit file on all three credit reporting bureau XXXX, XXXX and Transunion. 

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA 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 non-monetary relief
Consumer complaint received 2023-07-11
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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX  XXXX XXXX. 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 an 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 item 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 2019-02-15
Company: Constar Financial Services, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have an outstanding debt with XXXX XXXX XXXX XXXX  and when I tried calling them they said it was moved to a collection agency and I needed to work with them, Ive never recd a letter but I did get phone calls I asked the agency to send me in written or email my debt it took 3 calls to finally get this letter emailed to me and when I tried calling them to arrange a payment I dont get a call back 1 week later I get a call from the agency ( Constar financial service ) they call me during my work hours Ive asked for them to all me after XXXX est time and they never do they only call during the day which I cant take. Ive left several voice mails to this agency after work to have them call me back. Its not right that they only can call while Im at work esp since this is a dent and a private matter for my coworkers not to know. Im looking to resolve this and get it off my credit report

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I lost my job in 2015 so I put a lot of debt on credit cards. I then enrolled in a debt relief program, XXXX XXXX XXXX, and have paid off of the the credit card debt enrolled. The problem is, my credit has yet to recovery even though Ive paid all my bills ontime and have no bad accounts. 

Were talked below XXXX credit score bad. I really need help with this. Its preventing me to live my life : (

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 2023-03-25
Company: CITIBANK, N.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XX/XX/2023 I received alert that my credit report was ran when the Citibank website specifically stated check to see you qualify for a loan without it affecting your credit score. I called to follow up on the concerns and got transferred 12 times to different departments.On the final transfer it went to Public affairs department when I asked to speak to public affairs.Also Citibank stated I to many inquiries when I only had 6 at the time. I am XXXX XXXX with Citibank XXXX XXXXXXXX XXXX XXXX XXXX  and I should not be treated that way after being transferred 12 times. I dont know if there is a language barrier between the overseas and United States call centers. 
I am requesting that the inquiry be removed because the website specifically stated that checking the rate will not negatively impact the credit.The message is in red letters on the app. I am assuming most of the banks are doing this screening out process now. I dont know why keep having issues with the customer service to the point that I got transferred to Public affairs office when I clearly ask to speak to a Supervisor.

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 2021-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my DEPTEDXXXX The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: CAINE & WEINER COMPANY, INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX XXXX there was a collection account added to my consumer report. Causing my XXXX  score to decrease by XXXX. 
Caine & Weiner has violated my privacy. Due to not having any acknowledgment or debt collection letter sent to me within the allotted time ( XXXX ) there was no notice or any communication between myself and the third party debt collector. Violation of FCRA.

There was no communication at all.

Not only no communication but Ive never done any business with this corporation. Ive never been to California.

Not only have this corporation violated my rights and the FCRA but theyve also violated 15 usc 6801 due to having my non- public private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
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:
XXXX XXXX XXXX Last reported XX/XX/2023 {$3500.00} I need help undoing all of my name accounts, suspended credentials, or any errors. I want to remove everything that hurts my name XXXX is asking me to pay {$3500.00}, but I didn't know how to remove it from my name. It's been a year and a half, and I couldn't remove it. My name is damaged because of them. I want help.

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 2021-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAPITAL ONE

Contact XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXXXXXX  THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation