BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ignored all of my questions in my latest complaint. Equifax states they verify that XXXX XXXX, and XXXX XXXX accounts are accurate and mine yet never provide any proof of investigation to me. Equifax has an address listed that is incorrect that they never removed thats fraudulent. Equifax did not complete an investigation and has continued to lie. Equifax also stated they verified XXXX yet I received a letter from the company XXXX telling me they would remove the account from my credit as they verified it was fraud. Yet equifax again said they verified this account as accurate. They do not investigate and the identity theft occurred after the equifax data breach. Additionally equifax is lying and not providing proof of investigations. Equifax ignores my questions and does not provide resolution. Equifax is also allowing creditors to access my reports illegally without my permission. Nor written consent. Equifax is causing damages to me from actually placing fraud on my reports. These accounts have already been verified as FRAUDULENT. From XXXX  and XXXX. Yet equifax states they verified these as accurate. Yet they deleted only one XXXX XXXX account, yet not the other two. Which again proves equifax doesnt care to resolve fraud. They continually lie. They must be doing this to other consumers too as I will continue to write complaints until Equifax quits lying and stops causing personal damages by placing fraudulent accounts on my reports. Additionally XXXX XXXX stayed Equifax wasnt supposed to put these accounts on my reports they are inaccurately reporting the amounts as well. All around Equifax is committing fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24
Company: Experian Information Solutions Inc.
State: HI
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 call Experian, sent proof of this account Not my account, certificate letters and dispute

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 2019-04-23
Company: Reliant Capital Solutions, LLC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been dealing with a very aggressive third party company called Relient Capital Solutions. The representative I have been talking to is XXXX XXXX. He talks to me like I have committed a crime and repeatedly tries to get me to answer a question multiple different ways simlar to an interogation that seeks to get a confession out of a person. 
I have already owned up to being in default and reached out to them on my own accord to resolve this loan despite the fact that I can not use the class from this school. XXXX University ( in California ) has falsely advertised that they were accredited and I wont be able to use that class towards any degree. However, due to this student loan going to default status around 2008 I have been unable to move forward with my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc.,  that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! 

The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Hi, I noticed that there are many old accounts showing up on my report that date back to 2006. Please review and remove all old information. 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 2019-04-23
Company: Experian Information Solutions Inc.
State: IL
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:
The Experian credit reporting agency needs to have the following hard inquiries deleted from my report because it has been over 7 years. 

XXXX inquiry made on XXXX of 2017 XXXX inquiry made on XX/XX/2017 Please delete these inquiries immediately. 

Thanks

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 2019-04-23
Company: EQUIFAX, INC.
State: SC
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:
I am attaching a copy of the investigation request letter that my husband and I sent to the credit bureaus on XX/XX/2019. According to credit law, they were supposed to investigate the disputed accounts and respond within a months time. Over 45 days have passed, and we have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been a first time home buyer since XX/XX/XXXX my initial mortgage was through XXXX It was sold soon after to Caliber home loan. I made consistent payments to for the loan since I've had my property. I started a refinance process Caliber back in XX/XX/XXXX I was alarmed because the initial loan officer XXXX XXXX submitted than drop my application and re ran my credit giving me two inquires. I allowed some time from now until then to pass and consider the option again after Caliber alerting me that I still qualified for refinance, wanting to pay some debt down with the equity in my home I started working with a new loan officer XXXX XXXX she started the application process for me again reassuring me that all would be taking care of and moving expediently fast to me making a payment for the appraisal of {$99.00} dollars because they had a prior approval for my refinance to now no contact of any sort and a letter of withdrawal that I never made to the company. this recent application has dragged my credit score down drastically and has left me with no communication for anyone on Calibers end. its very unfortunate that this company is allowed to treat there customers in this manner when we are making payments and effected personal by credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: CNG HOLDINGS INC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX continue to call and threaten me and my family about account that was opened on XX/XX/XXXX. The company states that I own {$1000.00} I have no idea what this for and I didn't have an account with them are the company that they are representing. This has been placed on my credit report and I have disputed it multiple times asking for the original signed copy of our contract. But XXXXXXXX XXXX XXXX refuse to provide and it continues to get verify on my credit report as accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: PNC Bank N.A.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I tried to use the XXXX app and it said that pnc bank set it up so that I cant do it I want that changed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
1.XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 2.XXXX/XXXX   XXXX, FL XXXX ( XXXX ) XXXX 3.XXXX/XXXX XXXX, FL XXXX ( XXXX   ) XXXX 4.XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX 5.XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I am showing inquiries from all the above creditors and I have never applied for credit with any of the above listed companies.

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 2019-04-23
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: Information belongs to someone else

Complaint:
two collections are reporting under my equifax credit file, this credit reporting agency is reporting anything they want, i have disputed and each time they say it has been verified, but i have even called the creditors they do not even have my name in their data base, please hep me to have these inaccuracies removed from equifax credit bureaus thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: Kikoff 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: Account status incorrect

Complaint:
this company charged me for services that I did not receive and they have not answered my request for correction not have I been able to contact them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my credit reports there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA Opened XXXX. XXXX, 2015 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Was out of work throughout my time at school and was given a forbearance instead of no employment repay which kept the interest going. I asked about it they said I didn't qualify for it, when I took off time from school due to illness. And the school was not forth coming on the amount of my base loans. I asked for copies of my loans that I took out to verify my actual amounts because my loans interest was getting very high even while in school. 
I never received a copy or explanation as to why I can not receive the copy. I strongly dispute the actual amount of the loans taken and the interest accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
There are several late payments from the months of XX/XX/XXXX to XX/XX/XXXX that are inaccurate I am not responsible for the inaccurate information reporting to my credit file please fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Experian Information Solutions 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:
On or about XX/XX/XXXX I discovered that Experian was reporting an alleged Bankruptcy on my credit report known as : BANKRUPTCY CHAPTER XXXX-FILED, XX/XX/XXXX, {$0.00}, XXXX, XXXX XXXX XXXX XXXX, no further information was being reported at that time, no name, no address, no amount, no social security number, no date of birth which is required. There is NO mentioned whether this alleged Bankruptcy was dismissed or discharged which clearly proves it at best is an incomplete filing therefor violating both State and Federal Law. 

On XX/XX/XXXX I sent Experian a letter ( see  attached ) using Certified Mail and not only disputing this erroneous filing I requested validation of where the information came from in the first place and that it be validated with the Court who is the ONLY ones who can legally validate it. The response I received from Experian was they verified it with XXXX XXXX. I contacted XXXX XXXX and they replied telling me that there is NO information in their system with regard to this alleged Bankruptcy ( see enclosed letter from XXXX XXXX ). It 's important to note here that NONE of the other Credit Bureaus are reporting this erroneous reporting ( see attached Credit Reports from XXXX & XXXX ). 

In the event I need to file a Federal Law Suit in order to get Experian to remove this erroneous filing I thought it wise to contact the Federal Bankruptcy Court to see what their policy and procedures are when supplying information to Experian and their reply letter to me was very clear that they DO NOT supply Experian with any information. 

On XX/XX/XXXX the ( 3 ) main reporting Bureaus, XXXX, Experian and XXXX agree as part of a settlement with several Attorney Generals throughout the Country agreed to insure accurate and complete reporting including, name, address, social security number, date of birth and were ordered to delete any files that were not in compliance. Not only is this filing erroneous it is missing ALL of the above mentioned requirements and there is nothing saying wether this alleged Bankruptcy was discharge or dismissed nor is there a dollar amount which is also required. 

I respectively demand that Experian delete this erroneous filing and send me a letter of that deletion for my files. 

Thank you for your kind consideration. 

Respectively, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
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: Public record information inaccurate

Complaint:
recently review my credit file and noticed an error. Bankruptcy reporting requested method of verification from all three major credit bureaus and validation. the sent me a copy of the report stating that XXXX XXXX is the provider of this information. All third party credit providers can only have the last four numbers of a social security number and that is no sufficient proof for validation. I also have my public records information suppressed with XXXX XXXX and this information can not be shared. so, how are the credit bureaus verifying this informatioin

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 2020-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
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:
My husband, XXXX XXXX XXXX and I have a joint credit card with Capital One and have for almost 10 years. My husband is primary holder and I am authorized user.

For the past two weeks I have had to call and cancel my credit card for fraudulent charges. I am now on my fourth card and I have to cancel it yet again.

Two weeks ago, we began seeing several charges in the name of " XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ''. these charges varied between {$.00}, {$1.00} or {$3.00}. As of today, XX/XX/20, I have over 100 of  these charges on our account. I have been able to research that these transactions are through either XXXX XXXX and/or XXXX XXXX, both of which I do not have and have never had. We have XXXX phones and do not even use XXXX. While I do have a XXXX personal email account, I have confirmed on my XXXX account that there NO cards linked to my account. 

My issue : Each time we have called to dispute and stop these from reoccurring, we receive the run around and that it is OUR fault this is happening and there is nothing they can do. Yes, the disputes are resolved and charges are reversed and I receive a new card. But upon IMMEDIATELY activating the new card, these charges start again!

The last two times I have called within the past week, I have specifically asked to be REMOVED from the Visa auto updater feature as I know this is how it is happening. I know that the card issuer can control my card information being fed through the auto updater for any merchant that also participates. I am told that they are not able to do this and that I have to stop it with the merchant. I don't know what merchant is doing this! I am then told that I can go online and see which merchants have my card for automatic payments, this shows nothing! this past Friday night I called AGAIN for pending transactions trying to come through and I was told that they WON'T hit my account because they are trying to come through on my previous card and to not worry. Well, as of XX/XX/20, those charges went through! and today, XX/XX/20, I have 20 more transactions even though I locked my card! yesterday, XX/XX/20, I called again and asked to speak with a supervisor. after the run around I demanded that my request to be removed from the VIsa auto updater be honored as I know they control this based on Visa 's website ( and I work in regulatory banking ) or I am filing a complaint with the CFPB. the supervisor said that she would submit my request and it would take 10-15 business days. this is unacceptable to take this long! and I was told she blocked the merchant so the charges wont hit. well they still did!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I went into XXXX XXXX to check out the school. They had me take a test and told me that i could start immediately because i did so well. Just in talking with them they had already run everything and had me enrolled in classes before i really had time to think about it. XXXX XXXX, told me that my student loans would mostly be taken care of with Grants and that I would have very low interest rates because it was a student loan. In the second year of attending I found out that most of my schooling was private loans and some gov loans and that the interest rates were form 7-12 %. I graduated being told that i would make XXXX and up in the XXXX field. Come to find out this was also not true. Also that XXXX would always help me with resumes and finding a job. Shortly after graduating the career counselor would not see me or answer my calls. They also told me that my credits would transfer and i found out later that not 1 credit would go to any other school. I never would have gone here if i knew all of this.

Company response to consumer: Closed with explanation