BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-30
Company: EQUIFAX, INC.
State: GA
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 reserved a car on XX/XX/XXXX at XXXX to be picked up on XX/XX/XXXX I paid nothing and only gave them my drivers license .Never signed anything or gave them my SS # I picked up the car on XX/XX/XXXX at which time I was given a receipt for the amount put on my credit card.I was then shown a tablet and asked to initial XXXX : insurance and dogs. I was NEVER at any time given the entire lease agreement nor again did I give any XXXX my SS # After I had signed I was emailed the statement but had to search for the terms and agreement, again this was not discussed or shown at the time of pickup. 
I was notified by credit monitoring that XXXX pulled a credit report on XX/XX/XXXX ( when I reserved the car ) and again on XXXX when I picked up the car. 
Again I never gave them my ss # nor was I given or did I sign or read the lease provisions at any time while at the location.. 
I want XXXX of those requests taken off my credit report as they had no right to pull a credit report prior to me actually signing for that car. 
That makes XXXX dings to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: EQUIFAX, INC.
State: CO
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:
According to the FCRA that you are suppose to be in compliance with states that pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( ii ) the communication of that information among persons related by common ownership or affiliated by corporate control should be excluded from my consumer report. I believe these accounts should be removed from my consumer report according to the FCRA. you are in violating the law by reporting accounts that should be excluded from my consumer report. All alleged accounts associated with XXXX XXXX be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it is accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. Also questionable account number and who this account got transferred to!!! :?!

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2018-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a capital one credit card with my old legal name. Once I had it and established great credit history, on time payments and a limit increase all within 6 months I applied for another line of credit with my new legal name. I was approved and the card was sent out. Received it, opened the app and added it to there. This was mid XX/XX/2017. Form that day on I have been locked out of my account. I have zero access to anything online, such as paying bills, monitoring credit report, transactions, usage, etc, BUT I CAN use both credit cards. Doesnt make sense. I sent over copies of my drivers license twice, I followed up weekly and kept getting letters back that they didnt understand why I was sending in my DL. Im sending it to you because youre asking for it. Each time I call it is AT LEAST an hour on the phone each time. Mind you, I have everything set up to be paperless. Since that is how it is set up, I am blinded on two credits because I can not access anything. My name change is personal and this company has tried to invade my privacy on more than once occasion asking personal questions. I understand wanting to verify identity but there comes a point where this is too much. I have now resorted posting on their XXXX page to communicate that way. Each time I call it is a different story with a different set of promises and deadlines, none of which have been met. I do not have the time to call in weekly to follow up on this. You have no problem allowing me to spend money on the cards, but you can not let me access my account?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-04
Company: Diversified Consultants, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent this company a letter dated XX/XX/2018. Pursuant to the FCRA and FDCPA, I requested this company to provide me validation documents and listed everything that is required for this alleged debt to be validated I asked for the following information from them : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Debt collector license number in my state. 

In return I received a letter from them ( see attached ) that did NOT include any of the asked for information and billing statements saying this debt is valid. 

That is NOT validation. I would like them to remove this collection from all three credit reports because I do not owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: EQUIFAX, INC.
State: OH
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 an account from XXXX XXXX that is Fraudulent! I have requested that XXXX XXXX # XXXX, XXXX XXXX XXXX froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. I have requested a credit block on all of my Credit information. This is my official Police report on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a Discover student loan current under repayment. The loan has been constantly increasing the APRs that are now around 9 % and the minimum payment is coming to a total of {$1600.00} per month. The company was providing me with a lower monthly payment ( {$1200.00} ) that was basically only paying the monthly interest but not decreasing the total debt at all which is extremely frustrating but at least I was being able to keep the payments on time. They have stopped the lower payment option and have demanded me to pay the total minimum of {$1600.00} since XX/XX/XXXX when I was told that after paying 6 full payments they would be able to lower the interest rates for 12 months, thus allowing the minimum payment to decrease to relieve some student loan burden. With the payment of this month ( XX/XX/XXXX ), I have now completed the 6 months full payment as they have requested and now after contacting them to get the 12 month lower interest rate, I'm being informed that I have no options available to me anymore and I either continue to pay the full amount or apply for forbearance which will only complicate things since it will only make the minimum payment much higher. All my student loans combined already come to a total amount of {$1800.00} which corresponds to more than 50 % of my monthly salary. I would love to pay the entire amount or even more to get rid off this debt as soon as possible, but right now I just can't. I don't have the financial means to keep up with such a high bill. I still have to pay for other expenses that are necessary for my personal well being such as rent, utilities, food ... Discover has no interest in helping whatsoever even though they have already made tons of money on interests alone. The United States government should start a comprehensive investigation against this company which has been exploiting students all over the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Experian Information Solutions Inc.
State: FL
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: Billing dispute for services

Complaint:
Experian has been billing me $ XXXXmonth since XX/XX/2018 when they say that I signed up for a FREE TRIAL report that automatically resulted in a monthly charge thereafter. 
I am not aware of ever having signed up for anything with EXPERIAN. I called them and asked for proof that I signed up for anything. A supervisor named XXXX told me they had this proof. I asked to see it and they said they have no obligation to provide it to me according to their terms and conditions. I told them that I did not ever sign up so I am not bound by their terms and conditions. SHE REFUSED TO PROVIDE ME WITH PROOF to justify their monthly billing. How can this be tolerated that a consumer is not provided proof of a contract EXPERIAN says I was bound to? I told her to check my activity since 2018 and see that I HAVE NEVER EVER used their service. She said that it was irrelevant if I used their service or not. This company is obviously one XXXX  company. Not surprised. If the only way I can get proof that I signed up for the service is by initiating a Small Claims Court case, I will.

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 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
The FCRA states that Transunion only has 30 days to get back to me in regards to my complaints again them. It has been over 30 days and in my initial complaint ( CFPB Complaint # XXXX ) they have stated they are going to follow up with me in 60 days. That is against the law. I have consulted my now lawyer and given them all the written proof and their proof written statement that they will no honor their legal duty to remove these illegal items from my report within the 30 days they are legally allowed and their demand to follow up in 60 days which is out of their legal scope of timeframe Fortunately my case was accepted against TransUnion.

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 2018-03-29
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They started calling my cell when I was in a meeting for my daughter. I kept saying I couldnt talk and I had to hang up but I called back. I told them I am on XXXX with a very limited income. They threatened to sue me to get the money. They also threatened to report to the credit bureau which they did to XXXX  and caused my score to drop 24 points. They said they had multiple accounts in collections for me but only explained one and would not give me info on any others. I told them I could give proof of my XXXX and I was told someone would get back to me to handle it. No one has. They have also said they will stop the interest from accumulating on these accounts and have not verified these debts or their accuracy! I previously tried to work with this company and they never sent out paperwork to confirm they would settle for half. They stopped contacting me altogether after I tried to receive a contractual agreement for payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15
Company: EQUIFAX, INC.
State: CT
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 two fraudulent accounts on my Equifax credit report, both from XXXX XXXX. I discovered who the person was that opened these fraudulent accounts and got a police report from XXXX XXXX Police in CT. I followed FCRA 605.b to the letter and provided Equifax with all the needed paperwork. 605.b is clear that the info should be removed within 4 days. It has not been. Every time I call the XXXX  call center WILL NOT transfer me to the American office as I request. I am now receiving daily e-mails from Equifax, saying if I pay for their services they can help me. Clearly they are intnetionally violating the FCRA in an attempt to extract money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus are reporting information on my credit file that is due to my identity theft case.

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 2018-02-04
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed the debt multiple times with collection agency asking for validation of debt. Collection agency keeps sending me copies of statements as validation. I am asking for something to show that the debt is actually my debt.

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 2019-08-21
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 have reached out to the credit bureau about this problem several times please help me resolve this issue. I did not authorize these ( 3 ) listed inquiries on this date. 


XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - 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 2019-08-21
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:
The credit bureaus are reporting information on my credit file that is due to my identity theft case.

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 2018-03-29
Company: Professional Debt Mediation, 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: Personal information incorrect

Complaint:
on credit report its says XXXX XXXX XXXX which I have never lived or been associated with at all I lived in the apartments next door XXXX XXXX and they refuse to answer anything or delete it my next step I will be pursuing legal action if this is not removed within 30 days

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 2018-03-29
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of victim of identity theft and fraud. The account below was opened as a result a fraudulent account opened without my knowledge or authorization. I did not open this account. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. I disputed this matter to this company on XX/XX/XXXX, and attached all the needed documents to verify my claim but to my surprise the company still reports this account which was fraudulently opened : JEFFERSON CAPITAL SYSTEM XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My name is XXXX XXXX. I have been a customer since 2016. Every time myself and my children add authorized users Capital One keeps restricting my accounts as fraud and mandating I verify identity after they already verified identity previously. I have constantly been doing this for several months. I add authorized users simply to help build their credit. I own a business called XXXX XXXX XXXX XXXXXXXX. I have an EIN number and Tax ID and yet after being with Capital One they are without reason continuing to restrict my accounts, my son XXXX XXXX 's accounts and my son XXXX XXXX. There is NOTHING legitifying these fraud alerts. The accounts cross match with the same email address, physical addresses, they can validate phone numbers and entire identity. Then I spoke with a XXXX in XXXX who refused to advise me the names of the authorized users and refused to provide identifying information so that I can have capital one listen to the call. She refused to advise me her supervisor 's name. Yes I was PAST frustrated, but the called continued for almost an hour and when I requested information she went around the subject. I will be following up with a complaint to Consumer Financial Protection Bureau, federal Trade Commission. The authorized users on all the accounts is simply to assist my family in establishing credit and Capital One is making this difficult. I am an account holder with 3 cards, My son has 3, his twin brother has 1 and these users were already verified or were added previously and now they want all this proof WHILE they restrict accounts and take weeks to resolve and allow us access to the accounts again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
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: Their investigation did not fix an error on your report

Complaint:
I have reached out to the credit bureau about this problem several times please help me resolve this issue. I did not authorize these ( 3 ) listed inquiries on this date. 


XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX   XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: AES/PHEAA
State: NY
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:
Good Day, I am having difficulty and been denied federal student loan relief under the IDR and PSLF programs, and have met the program requirements. I have paid my loan for over twelve years, and was advise to submit a complaint to the Consumer Financial Protection Bureau. I've also worked for the same eligible institution, under the PSLF, since XX/XX/2007. I need assistance, in my loans cancellations, as what was described in the terms of the PSLF terms and agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
checked my credit profile and these erroneous accounts were listed. 

XXXX XXXX XXXX XXXX  XXXX XXXX Bk of Amer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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