BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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'm a federally protected consumer and my rights as a consumer have been violated by TransUnion, XXXX, and XXXX. The biggest violations being my right to privacy as a consumer and furnishing information to my consumer report without my written consent, also being actively involved in the buying and selling of my personal identifying information for profit better known as aggravated identity thief, aiding and abetting debt collection agencies in furtherance of a crime. I started my dispute process back in XXXX it is now XXXX and the same inaccurate, erroneous information is still being reported even after I've pointed out the various inaccuracies throughout my consumer report It keeps coming back as " verified ''. I'm aware that it is not in TransUnion, XXXX, or XXXX best interest to remove accounts from consumer reports because they all profit from the information furnished on a consumers report whether that information is right or wrong. But they are supposed to honor Metro 2 Compliance as well as maintain 100 % accuracy on ALL CONSUMER REPORTS. If TransUnion, XXXX, or XXXX actually abide by Metro 2 Compliance then each and every consumer report would show the exact same information across all 3 reports which it does not. So they're not even complying with their own policies and procedures so I know for a fact that they do not care about a consumers rights under the FCRA, FDCPA, or TILA. Congress defines TransUnion, XXXX, and XXXX as " elaborate mechanisms '' who assumed their positions. I'm tired of the 30, 45, or 60 day waiting periods for a consumers disputes to be responded to, especially when there isn't an actual " investigation '' being conducted through " e-OSCAR ''. It literally takes " e-OSCAR '' seconds to process a dispute letter which is why it was put in place but it was created with bias towards consumer reporting agencies due to it's ability to search for keywords in dispute letters and " auto generate '' a response based solely off verbiage not an investigation of the facts presented. A reasonable investigation is not " automated ''. Again these " elaborate mechanisms '' are continuously deceiving consumers day in and day out without repercussion, this has to stop sooner than later.

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 2017-07-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
For years I have been placing a quarterly 90-day fraud alert with one of the credit bureaus. I rotate among Equifax, XXXX and XXXX. I place this alert because I do not want anyone to apply for credit using mine or my wife 's information. <P/>Suddenly, this quarter, I find that all three credit bureaus refuse to accept my fraud alert. I have tried all three at different times, spread over several days.
<P/>
Of course, all three offer to " lock down '' my credit for a fee -- which, let 's be honest, is nothing more than a protection racket. It 's exactly what the mafia has done to 'mom & pop ' store owners for decades. <P/>This has to stop. It is not right for these companies to gather all of our personal information, and then say, " it would be a shame if someone got this information and applied for credit in your name. Pay us a fee and we 'll make sure that does n't happen. '' How is this not extortion?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Navient Solutions, LLC.
State: TX
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:
LastXX/XX/XXXX, I had received a letter in the mail from Navient asking that I call to handle something on my account for the coming tax year. When I called, the gentleman I spoke with gave me the good news that my subsidized Stafford loan would be paid off in XX/XX/XXXXof this year ( XX/XX/XXXX ), thus lowering my overall payment by approximately {$50.00}. I remember logging into my account to see this for myself, and sure enough, it was nearly paid off. However, I have noticed the last four months that the balance has increased from that point, and I am still paying on a loan that I was told was nearly entirely paid. Because I can not access past statements and because this was discussed with a Navient employee over the phone, I have no way to prove this. I do n't know what to do, but I know I am being taken advantage of. Please help me uncover the truth so I can get this corrected and so it does not happen to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Credit bureaus will not allow me to access my credit reports online or by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Creditors Bureau Associates
State: GA
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: Problem with personal statement of dispute

Complaint:
I recently reached out to these reporting agencies regarding a medical debt. The information that was provided led me to believe that they have violated my HIPAA rights. One company say that the debt was started this year but its been several years since Ive seen a doctor other than my personal doctor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Experian Information Solutions Inc.
State: NJ
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:
My id was copied and used to take money from my bank, open cards in my name, license was also used to register someones car with out permission, and social security number was compromised ; and also used at the bank, phone was hacked as well.

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 2022-03-03
Company: EQUIFAX, 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:
I was checking my credit report and these accounts still on.. I already sent few rounds of dispute about them. I believe that someone have my personal information. Its not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
SEVERAL times I have disputed a collection on my TransUnion report. The same one that XXXX and XXXX already removed because it was due to identity theft. TransUnion REFUSES to remove it from my credit report somehow verifying it after I showed emails that I sent in regard to it being fraud etc!

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 2019-05-14
Company: EQUIFAX, INC.
State: VT
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:
My name is XXXX XXXX andI have had a credit card account with XXXX XXXX XXXX for years now. All of the sudden they sent my account to a collection agency and i just settled my debt with them. Now XXXX XXXX is saying i still owe them money and they say im late on my payments when i never missed one

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
When I opened up my account in 2014 never received the disclosures XXXX XXXX on XXXX XXXX I 've asked numerous times not to be contacted or advertisement to be mailed out

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I'm receiving letter after letters after letters of several unpaid for accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way to many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXXX {$1500.00} XXXX XXXX XXXX XXXX {$130.00} 08 XXXX XXXX XXXX   XXXX XXXX XXXX {$1500.00} 06 XXXX XXXX XXXX {$210.00} 09 XXXX XXXX  XXXX XXXX {$1900.00} XXXX   XXXX XXXX XXXX {$51.00} 01 XXXX XXXX XXXX XXXX   XXXX {$970.00} XXXX XXXX XXXX {$210.00} 09 XXXX XXXX XXXX {$450.00} 09 XXXX XXXX XXXX XXXX XXXX {$4800.00}

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 2019-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I rented vehicles on my vacation in XXXX on : 1 ) XX/XX/XXXX - XX/XX/XXXX 2 ) XX/XX/XXXX - XX/XX/XXXX We arrived at the airport on the XXXX of XXXX and were told by a salesman that our XXXX   Employee discount allowed us to get a nicer car at the same price. He tried up selling us several products for the vehicle and we DECLINED them all. We both hold car insurance policies that cover rentals, and our XXXX XXXX Credit cards and Travel Insurance also cover incidental & rentals so me and my partner declined. We ended up getting charged for a Damage Waiver enrollment ( {$43.00} ),  Roadside Assistance ( {$13.00} ) and several other fees and XXXX miles ( {$65.00} ). Some of these items were added after we left the enterprise without our knowledge. 

When we arrived back on the XXXX we noticed one of our passports were gone and also asked about some of the fee 's being corrected. We were told the manager would see to it when he was available and that they would " Take Care of us '' -- so we rented the same vehicle and extended our stay to get a new passport at the passport agency. 

on XX/XX/XXXX - XX/XX/2019 due to us noticing the passport and cash was gone we rented another vehicle and schedule an appointment with passport agency. Once we got back we noticed we were charged additional fees and a Car Class Change fee ( {$160.00} ) for the same vehicle we had! We also were charged a Time & Distance Fee ( {$65.00} ) for XXXX miles. There no way we could have driven that much because we picked it up at XXXX XXXX and spent the entire next day at the passport agency waiting in line on a first come first served basis. 

When I got back to XXXX, Minnesota I called the XXXX XXXX about 20 times then a local branch told me if they don't reply I should just dispute it because it seemed to be mishandled. 

I notified capital one of this and they reimbursed me the funds ... then several months later they charged my account take it negatively and began assessing me fees. I called to speak to the processor but I got a rep who told me management/processor would call me and that I couldn't speak to her manager. ( I have the recorded call ). I told her the FDIC Guarantees and protect my money and she told me if they allow my dispute the bank will lose money because XXXX presented a contact -- even after I told her they made changes to it after I had signed and I had specifically asked to not be enrolled in those programs. I never received a call from management or the processor. It has greatly impaired my ability to pay my car payment and pay my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: MORTGAGE SOLUTIONS OF COLORADO
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
mortgage solutions have been reporting a late payment since XXXX when I had my account switch to a new processor and I have been fighting with them to get it resolved because I never make any late payment. now today XX/XX/XXXX, I just received an alert from the credit bureaus that I am delinquent for 150 days and since XX/XX/XXXX, they have not received payment. now, mind you I was on a forbearance plan and I called to make payments so I can modify the loan. I have been making payments from XX/XX/XXXX up until XX/XX/XXXX. I will attach all payments that have been withdrawn from my bank as well as the credit bureau report where I lost 29 points for nothing of my fault. 

I am so ashamed of this company and the way they treat XXXX families, is unacceptable and something needs to be done against this company. They received money to help people and I did not receive anything from them, I made my payments, and for them now to report my account 150 days delinquent is unjust, unfair, and unprofessional. 

I am currently on the phone with XXXX and she tryinmg to tell me that i am not protected this company is just so horrible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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:
Experian is knowingly reporting false/inaccurate information due to identity theft on my credit report. I have been disputing with them for 4 years now and this is my last attempt before legal action. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Experian is breaking the law.

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 2020-10-19
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collection debt notice from Radius Global Solutions LLC of {$450.00} that I do not believe is owed. My medical insurance was applied and this bill is excessive for the lab work that was completed.

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 2019-10-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold from XXXX XXXX, to the company XXXX XXXX, then sold it to XXXX XXXX XXXX XXXX. It then was assigned to a servicer, Rushmore, and this company refuses to send me a mortgage statement although they are accepting my payment, I've reached out to them, but instructed to call the customer service line, and I've tried this in past dealing with this company.

I truly believe this company, Rushmore is working in concert with the second lien holder on my property. The debit on the second was canceled through Bankruptcy chapter XXXX, but did receive a letter from the second dated XXXX, XXXX intending to foreclose on property as lien holder. Ever since receiving this notice is when the company, Rushmore stopped send the monthly statement. 

Because of this act by the second lien holder, I've been forced to entertain Bankruptcy chapter XXXX to save my home. I'm XXXX, and would never make it on the street. The bankruptcy attorney requested from me a mortgage a payoff, and with that statement I were informed the check payable is to be made out to XXXX XXXX, and I find this odd since it was sold by XXXX XXXX XXXX, XXXX. 

One would guess that since my loan was sold, the second lien holder became first in line, and this is why I got the demand letter, what say you? These companies need to be investigated, and not by me. Please act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have gotten a collection bill from a company that I had never had business with, I think my identity has been compromise, in recent and pass data breaches my identity resulted in been access by unknown people, I check my credit and there are accounts that are fraudulent.

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 2017-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX verified yesterday a collection account, XXXX XXXX XXXX, account number XXXX.This account also appears on Transunion and XXXX and has been verified by those two bureaus although they are in reinvestigation at the current moment.This account should not appear at all on my report as I was covered by insurance XXXX Covered California.I previously filed CFPB complaint XXXX against XXXX XXXX XXXX who responded that the original creditor said I was uninsured but they were still investigating and would respond later yet they are still verifying this debt with all 3 credit bureaus as correctly reporting.The following is what occurred : I received a severe XXXX XXXX on XX/XX/XXXX.In order to have the required XXXX I had to apply for and receive and have verified XXXX  coverage.I did so and had the successful XXXX at another hospital other than the original creditor here. The insurer also said that ALL MEDICAL TREATMENT RELATING TO MY XXXX WAS COVERED as was this billing here related to my XXXX XXXX.I would like this error deleted from my credit 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 2017-11-09
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit collection agency representing XXXX XXXX at XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX XXXX XXXX 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Phoenix Recovery Group does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is my 2nd complaint with the company and for the same issue - the first one was resolved satisfactorily but they have made the same error again.

I recently used a promotional check with a 0 % rate for 12 months. The charge appears on the statement with a 24.99 % rate, which is the after-promo rate. I called them and they said that the promo rate was 24.99 %, which is again not correct.

I am asking the to correct their mistake and honor the 0 % rate for 12-months that was promoted on the check that was used.

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 monetary relief
Consumer complaint received 2021-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Earlier this year, XXXX XXXX sued me for {$960.00} in regards to a previous Capital One credit card. They won ( case ( XXXX ) and my paychecks were garnished as of XXXX of 2021. The entire amount was paid in full on XX/XX/2021. They have yet to report the XXXX balance to my credit report, and when I dispute the amount they are claiming that it is unpaid. I have paystubs that show it was paid in its entirety as well as the court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for a Capital One Spark business card and was only approved for {$500.00}. As a tenured and valued credit card holder of two Capital One credit card accounts, this is a disgrace and a very small limit.

Company response to consumer: Closed with explanation