BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have 20 missed payments from XXXX on my credit reports from all three credit bureaus, XXXX, XXXX  and Equifax that I want removed. I have been sending XXXX letters and disputing online but I have not heard anything from them. They refuse to mention anything to me about my late payment and won't tell me anything. At the time of the late payments, I was on deferment and was heading back to school in XX/XX/XXXX ... Also was dealing with moving and not being able to receive most of my mail if they sent me anything. I've been reading that CFPD sued XXXX because of not offering it's clients the income driven repayment plan ( which is what I am on now since XX/XX/XXXX ) and I believe that I was one of the victims of XXXX offering the repayment plam instead ... Please remove all late payments from my credit reports so I can continue improving my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
On XX/XX/XXXX I traded in my previous car, XXXX XXXX XXXX that was financed through Captial One Auto Finance. The dealership where I made the trade and new purchase is XXXX XXXX XXXX XXXX XXXX. I then purchased a brand new car of which was financed with a new lender, XXXX XXXX XXXX. Captial One continues to call me for payments on the previous car that I traded in. As of XX/XX/XXXX a 30 day late status was reported to my credit bureau. I have called Capital One Auto numerous times trying to explain to them that the car was traded off on XX/XX/XXXX and no one has tried to help me. They keep telling me to Call XXXX XXXX XXXX XXXX XXXX and ask for a check #, date and the amount of the payoff check for my previous car. I have called XXXX XXXX XXXX twice explaining to them what is going on. No one has helped me from XXXX XXXX XXXX XXXX XXXX. They always say they will call me back and never does. I have not received the title for my new car. My new lender XXXX XXXX XXXX is telling me that the contract on my new car was sent back to XXXX XXXX XXXX XXXX XXXX weeks ago because information was missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
On or about XX/XX/2018 an i quiry showed up on my reports from a Capitol One Auto Finance in XXXX, TX. I have never heard of this company, never applied for any services with this company, never authorized any credit inquiries from this company. This isnt mine and should not be on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
There is a bankruptcy reporting on my credit file and I sent a letter requesting verification in XX/XX/XXXX. The file was verified through Lexis Nexis in XXXX. This issue is that my Lexis Nexis account was frozen in XXXX in XXXX. I just confused how this was verified when this was account was frozen 90 days prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
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 not recieved any notice in the mail from them that i owe them any money, i found out when i say a mark on my credit reports. i have emailed them through their website several time and still havent recieved a respones. if they have tried to call me it was either from a blocked or unknown number and they didnt leave any message

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: HCFS Healthcare Financial Services of TeamHealth
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:
I asked for verification of the information that XXXX XXXX is reporting to the 3 credit bureaus. The only thing I was told was that it will not be deleted. They never verified my information or showed me any proof of this account. I have no idea what this account is for. I see that the balance owed is XXXX dated XXXX XXXX 2014. However I have yet to receive a copy of an Agreement that I signed.

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 2018-06-02
Company: AES/PHEAA
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 have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 90 to 120 days late in XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
wrong information on reports incorrect address name birthdate phone numbers collection that is does not belong to me inquires that i didnt do

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 2019-05-26
Company: Sound Collection Services
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
on XX/XX/2019 a charge had been issued to me in the amount of {$990.00} by the Sound Screening Service with no previous attempts to collect any amount of money and no knowledge of any charges going to a collection agency. XX/XX/2019 the charge has been raised to {$1000.00} still with no contact and no knowledge of what these amounts are for or why they are in a collections agency to begin with. ( the only reason I have these dates and amounts is because I have found them as markings in the collections tab on my XXXX credit report )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
TransUnion is using a deceptive sign-up form for their Credit Monitoring product. Consumers think they are filling out a form for a one-time credit report and credit score.  TransUnion attempts to hide from the consumer 's view that they will immediately be charged {$19.00}, and then charged this amount monthly thereafter. They do this by placing the details on the lower right-hand side of the web page. 

THIS SHOULD BE PROMINENTLY DISPLAYED IN THE CENTER TOP PART OF THE FORM! 

The second page of the form - where you enter your credit card number - has absolutely no mention of the pricing and recurring charges. There is a Service Agreement link in  small print at the bottom of that page. Otherwise, there is no confirmation through the rest of the sign-up process that you are signing up for a subscription service. 

The fact that they designed the form this way clearly demonstrates their intent to be deceptive.

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 2018-08-17
Company: APEX Asset Management, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received an invoice from Apex Asset Managment ( a collection agency for XXXX XXXX XXXX ) on XX/XX/XXXX, claiming a payment due of {$22.00} for services from XXXX XXXX XXXX in XX/XX/XXXX. 

I wrote them a letter on XX/XX/XXXX informing them that I had paid all invoices presented to me from XXXX XXXX XXXX, had never received a late notice or invoice represented by these amounts, and requested additional information. I copied XXXX XXXX XXXX. 

I received a second invoice from Apex Asset Management, noting they have not received a response from me. I have not received any response from either Apex Asset Management or XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: Exeter Finance Corp.
State: TN
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:
On or about XX/XX/2018 a XXXX inquiry showed up on my credit report from Exeter Finance Group. I do not know who this is. I have never applied for any gpods or services from them and have never authorized any inquiries into my credit from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
On my correspondence I faxed to XXXX last XX/XX/XXXX, I explained and requested to XXXX to remove the late payment reported last XX/XX/XXXX. From the day the account was opened last XX/XX/XXXX, I was never late on this account except on that date. I wrote to them explaining the situation I had and even showed them proof that I was more than capable of paying off the minimum due let alone the entire balance of the account. I wrote to them : " The problem is, that someone hacked/stole my original email ( XXXX ) linked to my XXXX account. This was already reported to the authorities ( please see attached FTC report ). Ever since then, I never receive any notification reminder nor statement since I signed up to go paperless. Right about two weeks ago, I confirmed with one of your representatives that you still have my old email on file and the rep updated my account with my new email and fixed my login issue, which I am very grateful. But, it is too late for that Since I dont receive the statements and reminders due to my login and email problem, there are times that the payment was received a bit late and Ive been reported to the credit bureaus. '' Please see all attached copies of the documents I sent to 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 2018-10-11
Company: Accounts Receivable Inc.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received notices or phone calls that I owed them money. They said that they called and sent letters but I never received anything. The fees and charges that they sent me seem excessive and abusive. The only reason I realized they had debt against me was because I saw it on my credit report that I looked up on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX of XXXX I was the victim of identity theft. I immediate requested a fraud alert from all three credit bureaus. Subsequent to this event, I changed my phone number. In XXXX, I tried very unsuccessfully to have the credit bureaus update my telephone number on the fraud alert. I submitted requested documentation but was unsuccessful in getting the phone number updated. 

On XX/XX/XXXX, anticipating a new car loan application, I once again called all three bureaus asking that the fraud alert be lifted. XXXX required me to send in documentation of my identity as well as proof of my new address. I sent the letter and documentation to them on XX/XX/XXXX. I received written notification from XXXX on XX/XX/XXXX that they had placed an extended fraud alert on my account, an action I did not request. 

Equifax and XXXX indicated to me on XX/XX/XXXX in a telephone conversation that the fraud alert would be lifted within 24 hours. Subsequent to that time, I have been denied a credit card twice and today my car loan was denied because of the fraud alert ( my credit score is in in the high 700 's to low 800 's ). The car loan lender asked me to remedy the credit bureau situation before we can move forward. I have tried and have gotten no where. I am requesting assistance to have the fraud alert removed from my account immediately at all three credit bureaus. 

Fraud alerts are great, except when the individual who requested them is denied credit solely on the basis of inaccurate information in the credit bureau 's database.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX of XXXX I was the victim of identity theft. I immediate requested a fraud alert from all three credit bureaus. Subsequent to this event, I changed my phone number. In XXXX, I tried very unsuccessfully to have the credit bureaus update my telephone number on the fraud alert. I submitted requested documentation but was unsuccessful in getting the phone number updated. 

On XX/XX/XXXX, anticipating a new car loan application, I once again called all three bureaus asking that the fraud alert be lifted. XXXX required me to send in documentation of my identity as well as proof of my new address. I sent the letter and documentation to them on XX/XX/XXXX. I received written notification from XXXX on XX/XX/XXXX that they had placed an extended fraud alert on my account, an action I did not request. 

XXXX and TransUnion indicated to me on XX/XX/XXXX in a telephone conversation that the fraud alert would be lifted within 24 hours. Subsequent to that time, I have been denied a credit card twice and today my car loan was denied because of the fraud alert ( my credit score is in in the high 700 's to low 800 's ). The car loan lender asked me to remedy the credit bureau situation before we can move forward. I have tried and have gotten no where. I am requesting assistance to have the fraud alert removed from my account immediately at all three credit bureaus. 

Fraud alerts are great, except when the individual who requested them is denied credit solely on the basis of inaccurate information in the credit bureau 's database.

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 2017-11-17
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My complaint is recording my XXXX XXXX XXXX XXXX account. 

For the past four years I have lived overseas because of my husband 's job. For three of these four years, I have been able to go onto the XXXX 's website to see my account statement and pay my bill. However, this past year XXXX 's updated their website and required users put their account/credit card information into the site as if for the first time. This was a problem because I do n't have a current XXXX 's card - XXXX 's never sent it. The only card I had was expired, which would n't work on the site. I called customer service several times about this and was told that XXXX 's will not send either a credit card or a paper statement to an overseas address. In an attempt to compromise, I asked if I could give them my son 's address in Virginia. He could get the bill and send it to me by email. He never got anything. 

On XXXX XXXX XXXX, I wrote letters to both XXXX 's billing and their credit departments for a solution. XXXX 's reply ( XXXX XXXX XXXX XXXX came in the form of an email saying to go the Document Center online to see a very important letter that could affect my account. Please note that this is in response to a letter saying that I have no access to my account online. 

I contacted a customer service representative on XXXX XXXX XXXX site on XXXX XXXX, again to try and get a result. The response I got today ( XXXX XXXX ) by email categorically stated that XXXX 's will not send a paper statement to an overseas address and suggested that I call the customer service center if I had any further questions. I do not want to do this for two reasons : 1 ) this is not just a long-distance call for me, but a trans-Atlantic call and 2 ) the service center has proved unhelpful in the past. The email from XXXX XXXX XXXX XXXX XXXX XXXX XXXX did contain this month 's statement. When I looked at the address on the bill, it was indeed my son 's address ; however, XXXX XXXX failed to put c/o [ my son 's name ] in the address line. The address simply had our names and our son 's address. I 'm assuming that the post office has returned said mail as not living at this address. That said, I do n't think it 's fair to put the burden on my son for me to get my bill. 

Over the past 6 months or so, I have been paying my bill blindly through my bank hoping that I was at least paying the minimum amount. As we were in the process of moving from XXXX to XXXX, I did n't really have the time to deal with it, which is why it has taken me this long to file a complaint. I do n't want to be issued credit, I just want a bill so I know what I am paying. 

Please note, the account is in my husband 's name but I am an authorised user.

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 2019-05-27
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/XXXX, Professional Credit Service / aka XXXX XXXX XXXX.and/or attorney XXXX XXXX garnished 100 % of available funds ( {$2200.00} ) from my personal checking account for collection on a judgement issued in XX/XX/XXXX for medical debt. I was in transition from one job to another, the funds in the account are all directly traceable to EXEMPT income per ORS 16.618. First in line for garnishment is the DOJ, who administers spousal/child support payments through employment garnishment. Because of the job change, only one employer took a portion of that support payment, meaning I was responsible for the balance, in order to remain current on this obligation. PCS took 100 % of available funds from a personal checking account, when a higher level garnishment order is in place. PCS failed to validate the source of the income taken. PCS did not use the legal State calculator to determine amounts available ( percentage of disposable income ) to secure this garnishment. PCS took my saved Child Support and is now directly responsible for my arrears with the DOJ ( and my children ). This is unconscionable, and illegal per several Oregon regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: EQUIFAX, INC.
State: NC
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:
This complaint is about EQuifax I contacted them in XXXX about an account on my file from XXXX XXXX XXXX the contract for this account has been cancelled now they sent me paperwork on XX/XX/2018 stating that it was not reporting thats not an answer and it needs to be removed this is my fifth time disputing this and nothing is being done the contract has been cancelled

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved out from XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) reported my name and amount owed to collections agency. XXXX XXXX XXXX claimed that they have sent a notice about my balance to my address. Supposed letter was dated XX/XX/XXXX and didn't have my address at all. I have never received the notice. 

As a result, this balance was reported to collections agency, PROCOLLECT , INC, XX/XX/XXXX. I have notified this agency that the information is wrong, and the letter from the XXXX XXXX. However, they still have my report in collections.

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