BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-23
Company: EQUIFAX, INC.
State: MD
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 Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are fully open not after dealing with a pandemic. There is no excuse for them not to respond to the letters i have sent. This letter i have attached is 1 of many. I've asked them to respond to me. it's been well over 30 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame and the have certainly exceeded that time Frame

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Pressler & Pressler, LLP
State: NJ
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:
I am constantly harassed by collection agencies that I have never had any business with over the course of five years. The latest " agency/arbitrator '' that contacted me threatening to garnish my wages up to 25 % was XXXX XXXX XXXX from ( XXXX ) XXXX. They had my social security number and my date of birth. The debt I owed was paid in full in the year 2011 and I have been harassed since then by multiple collection agencies and arbitration offices that have little to no information publicly available. Whenever the collector is pressed for information about how they got my personal details, they get defensive or disconnect the telephone line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
There was a capital one checking fraudulently opened in my name thats now reporting on my early warning services credit report. Ive never had a capital one checking account and Ive sent capital one my police report but they wont close the credit card account and take it off my name. The balance on the checking account is {$1200.00} and its all fraud!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My bankruptcy 10 years back was taken out by XXXX  and my scores updated. But Equifax and XXXX  is still jealously holding on to it. When I reported the issue to Equifax and XXXX, only XXXX  took that public record out - but did not update the score at all!! And Equifax did nothing on it!! 

This is preposterous. These people are holding on to our personal info and then making private profit off of it. I have no idea how this is constitutional, but this is definitely not ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: EQUIFAX, 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$8300.00} XXXX  XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax has a freeze on my social. I've tried the past two years to resolve this issue. I have mailed in a copy of my social and ID to prove I am myself. I am trying to get a new car but when my credit is ran at my bank My Equifax account comes back as fraud. I've reached out to them numerous times and gotten no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
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: Personal information incorrect

Complaint:
One of my addresses says Ive lived in CA and I never lived in CA.

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 2021-10-23
Company: MOHELA
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: Account status incorrect

Complaint:
Mohela was designated as the servicer of my student loans. My account is paid in full and closed at the present and has been for years. The issue is at in XX/XX/XXXX I requested my loan go into deferment status and unfortunately there was a delay in this being processed and Mohela reported this as a late payment in the following months. Once I became aware of this I immediately made a payment and again requested this to be addressed and yet again they failed to put my account into forbearance as apparently I had multiple loans and there was some confusion. The issue I have is that despite the financial challenges I was facing i found a way to pay this account in full but I should not be held responsible for Mohelas error. Since XXXX I have multiple late payments reporting on my report that are inaccurate and needs to be resolved. This is my last resort before incurring further time, energy, and money in hiring legal counsel to resolve this. Im hoping this can be resolved without having to take this step.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I just discovered the following charges on my credit card from TransUnion : XX/XX/XXXX : {$1.00} ; XX/XX/XXXX : {$19.00} and then recurring charges of {$19.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a total of {$80.00} ( as far as I can determine -- I'll need to pore over statements for the entire year to be absolutely certain ). I recall giving my credit card number to TransUnion as part of a " free '' credit check ; I believed it was part of the process used to identify me and had no idea that I was being enrolled in any kind of service that would require a monthly payment ; I have no need for that. What makes me furious ( I'll probably blow up if I call them ) is that : 1. ) They take advantage of people when they are most vulnerable ( I wanted to check my credit score because I was filling out rental applications, needing a place to live quickly, after a cross-country move to be near my aging father ) and 2. ) TransUnion was already called out on this one year ago ( https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-transunion-and-XXXX-pay-deceiving-consumers-marketing-credit-scores-and-credit-products/ ) ; apparently nothing has changed. Embarrassingly enough, this ( from the article link above ) is what I assume happened to me : " Deceiving consumers into enrolling in subscription programs : In their advertising, TransUnion and XXXX falsely claimed that their credit scores and credit-related products were free or, in the case of TransUnion, cost only {$1.00}. In reality, consumers who signed up received a free trial of seven or 30 days, after which they were automatically enrolled in a subscription program. Unless they cancelled during the trial period, consumers were charged a recurring fee usually {$16.00} or more per month. This billing structure, known as a negative option, was not clearly and conspicuously disclosed to consumers. '' Thank you in advance for looking into this matter. I really appreciate your time and the service you provide.

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 2021-10-23
Company: Netspend Corporation
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
A few months ago, XX/XX/2021, I cashed a large insurance settlement check after being crashed into by a drunk driver and the company I cashed it through who works with western union deposited the max amount it would allow. It was a little less then {$800.00}, around {$750.00} transferred to my XXXX XXXX Account. For some reason the card would not allow me to use it. A team informed me I hadent used it In A while and with a large deposit I needed to confirm who I am by sending a copy of my Photo ID. My photo I sent was a copy of my current drivers license with all information correct and matched. I was told that was fine. A few hours later I tried to use my account and was informed it was still locked. Even though I sent my ID that because he didnt like my tone, he is also demanding to see my official social security card. I refused to send my social security card. My drivers license is an accepted form of identification. This was not a new account, this account was opened for a couple years. Because I worry about fraud and Id theft there was no way I was now sending my actually social security card to them. The women I was originally speaking with confirmed my social security number over the phone when asked for it, I repeated it. I was told the only thing I had to do was send my photo Id. The customer service reps manager then took it apon himself to inform me he is closing my account, I am being banned from XXXX XXXX XXXX, and I will never be receiving my money. He has claimed to send back to sender. The next day I went to the office where the money was transferred from and they have no record of money sent back. Ive said he wasnt mailing my money, that Im not getting anything from them. The rep made good on his threats. To this day, I cant find my money. I cant get another card as Im told I am literally banned black listed from them, and I have no access to the online account that would have any information. He locked my account and they will not unlock it. I am in able to look at any of my transactions, monthly summaries, or even the deposit. 
Western union claims to not have my money. My money has disappeared, I have no account access, and I was verbally assaulted by the customer service manager that was on duty.

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 2019-05-17
Company: AES/PHEAA
State: MS
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:
In XXXX, in response to an ad for an Obama Administration program, I paid {$390.00} to private co. to refinance my student loans under public service loan forgiveness program, Income driven payments, to be recertified annually, paid in ten years. It was serviced by FEDLOAN Servicing. First year I paid {$29.00} mo. In XXXX I was to recertify. That recertification was a nightmare that was not completed until XX/XX/XXXX. I was somewhat late in XXXX due to emergency XXXX XXXX, but called to notify FedLoan and told okay, noted they would send docs and forebearance issued. I sent documentation over and over, it was refused, stalled until information became stale and refused again. I made repeated phone calls and emails to my Servicer. My employer called XXXX to verify accurate information already submitted and re-submitted. No two agents gave same information and my interest grew! In the interim, my credit was being destroyed. I contacted a DOE ombudsman and was advised to file a complaint with the FTC, which I did, but never heard more ; but did get IDR payment worked out and recertified in XX/XX/XXXX. I applied for a home loan in XX/XX/XXXX, only to learn that FEDLOAN Servicing had erroneously reported late payments for years for loans that were clearly in deferment or forebearance, and my original loan has now grown to more than {$140.00}. I produced letters to the lender showing forbearance, thus payments could not have been late, but until the information is removed from the Credit Bureaus, my home loan is denied with USDA. FEDLOAN SERVICING refused to remove it. Credit Bureaus refuse to remove it. I have disputed it with Bureaus to no avail. I have records and notes of this four-year recertification battle should you need anything further. TIME IS OF THE ESSENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
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: Account status incorrect

Complaint:
Since XX/XX/2021, I have disputed an error being reported on my Trans Union credit report 5 different times and yet to be resolved correctly. In XX/XX/2021, I purchased a home and sold my other. I had an open equity line of credit that I paid off in full and closed in XXXX, 2021 with XXXX XXXX XXXX  of an amount shown as {$14000.00}. It shows that it was last reported to Trans Union in XXXX, 2021. It has been six months now with it still being reported as open with a balance of {$14000.00}. It was a joint account with my wife and it's closed on her Trans Union report but not mine. I've called XXXX XXXX and Trans Union several times and they always give me the run around without fixing my report. XXXX XXXX tells me that I have to dispute with Trans Union and Trans Union tells me I need to call XXXX XXXX to report corrected information. It's been 6 months since I have sold that home and closed account. No problem with XXXX or XXXX. Thank you!

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 2017-11-19
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:
It has been a complete stressful nightmare dealing with Equifax for the last several months concerning my credit report. Recently I disputed some inaccurate information on XX/XX/XXXX and I received the completion results were the items had been deleted/unverifiable. The items in question were XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( this item was showing reaged which is a clear violation of the law ) and XXXX XXXX XXXX XXXX ( every XXXX XXXX entry reporting on my credit report ). As you will see on the uploaded supporting documentation, Equifax sent these results out XX/XX/XXXX and XX/XX/XXXX. Today XX/XX/XXXX I was checking my Equifax credit report on Equifax.com and these items are currently being reported which is not reflecting my true credit report. In light of Equifax hacks I have been trying to closely monitor my report. They have also mixed my files as you will see by the supporting documentation I have uploaded as well. Equifax did not inform me via letter that these unverifiable inaccurate items were being inserted back into my credit file. This is a direct violation of the law as well. I have previously submitted a complaint with the CPFB concerning these issues ( the complaint is also uploaded as supporting documentation ). Equifax is also reporting XXXX XXXX XXXX and this item was unverifiable, inaccurate and was deleted from my credit report and currently reinserted with no letter sent to me by Equifax. I have uploaded all my supporting documentation concerning these items. Equifax is breaking the law by continuing to report these inaccurate items on my credit file. These items need to be deleted immediately because they do not belong on my credit file and Equifax is not reporting my true credit file. Equifax has mixed my file on four separate occasions this year XX/XX/XXXX where I have had to call in to complain and send in identifiable information to them so they can try and fix my file. Clearly Equifax has not straightened my file out. The items that should not be reporting are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again Equifax has been making a complete mess of my credit file which is causing me emotional stress. These violations of the FCRA are negligent and willful on the part of Equifax in which I can sue and get damages. Equifax has violated my rights by continuing to report these inaccurate items. Clearly Equifax is not for consumer rights. 
I WILL NOT ACCEPT ANY OTHER REPSONSE OTHER THAN A DELETION OF THE UNVERIFIED INACCURATE ACCOUNTS. I DEMAND THAT EQUIFAX NOT BE ALLOWED TO MOCK THE CFPB 'S AUTHORITY AND VICTIMIZE ME BY IGNORING MY RIGHTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Resurgent Capital Services L.P.
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:
LVNV FUNDING LLC continues to report that I owe them money for 2 accounts that I never had. I have sent letters of validation and they have yet to prove any validation for these debts. The dates these letters were sent, XX/XX/XXXX and XX/XX/XXXX 

I have disputed with the collection agency, as well as the credit bureaus. The credit bureaus are not doing their job, they are just allowing collection companies to say that these debts are validated and verified with no proof. 

These are the same credit bureaus that have compromised my personal information by selling it to people or not having an adequate security system to protect my information. The credit bureaus have already agreed that my information has been compromised, but still allows collection companies to report that I owe them money on bogus accounts. 

LVNV FUNDING LLC is in violation of my rights, because they are reporting and updating on a debt that they can not validate is even my debt. They also have called my phone numerous times after being told to stop calling and they have called before XXXX and after XXXX at times. 

They are also selling this bogus debt to other companies and they are harrassing me now. Then when I call the companies to verify and validate this information, they say that LVNV FUNDING LLC has taken the account back. 

Also, I am disputing the original debtors as well because I did not open the accounts and they have it showing as a charge off. 

The balances on these accounts are {$1100.00} and {$1000.00} last update was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: AES/PHEAA
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 natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
this company have ignore my requested since XX/XX/2020 i requested an investigation to inaccurate information that is been report to my credit report. ands i have not received any update or respond i been ignored. 


SEE ATTACHED

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 2021-10-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are a few accounts on my report I do not recognize

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 2020-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 a public record that has been mixed or merged with someone elses report showing up on mine, I even have a fraudelent birth year of 1987 showing up. I have tried to fix it with the burueas on several occasion but they claim they veirifed through XXXX XXXX. I reached out to XXXX XXXX and they have sinced removed it ( I have attached proof ). Next I reached out to the courts of Michigan, They returned a letter saying they dont provide the burueas information ( I have attached proof ). Lastly I filed an FTC complaint against the burueas and I have included this 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