BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-03
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:
I was looking through my credit report today XX/XX/20 because I wanted to see where my credit was at since I will be buying a car soon but when I was looking through it I noticed three accounts that I never opened. The account names are XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. Those accounts do not belong to me ; I did not open those accounts nor did I allow anyone top open them on my behalf. I have no idea who could have opened these accounts in my name without my permission but I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards those accounts. I do not have any contract or agreement with any of these companies and I never allowed them to have access to my credit information. I have already filed a police report and a complaint with the Consumer Financial Protection Bureau regarding this matter.

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 2018-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
On XX/XX/2018 I sent a written request via USPS to TransUnion for a free, complete copy of my credit report. I included proof of my Identity and current address with my written request. 

This is the first credit report that I requested during XX/XX/2018. 
This is the first credit report that I have requested in the last consecutive 12 months. 

I have not received my Free credit report that I requested.

I have received no response from TransUnion and my request was made over 90 days ago.

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 2020-07-03
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:
I was looking through my credit report today XX/XX/20 because I wanted to see where my credit was at since I will be buying a car soon but when I was looking through it I noticed three accounts that I never opened. The account names are XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. Those accounts do not belong to me ; I did not open those accounts nor did I allow anyone top open them on my behalf. I have no idea who could have opened these accounts in my name without my permission but I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards those accounts. I do not have any contract or agreement with any of these companies and I never allowed them to have access to my credit information. I have already filed a police report and a complaint with the Consumer Financial Protection Bureau regarding this matter.

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 2018-04-27
Company: Westlake Services, LLC
State: AL
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 was pulled my credit report and came across this hard inquiry that you applied to my credit report XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing This inquiry could stay on your report untilXX/XX/XXXX.

See an error?

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor.

this is a copy from my credit report i have contacted you about this and you told me you have no information on me because i dont have an account with you and i would like this removed off my credit report because i did not give you my permission to run my credit and it was not suppose to be run/checked without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
To Whom it may concern : I filed my Bankruptcy on XX/XX/XXXX. It was discharged on XX/XX/XXXX. 

I had 3 credit cards with Capital One, before my Bankruptcy. Capital One was served with my Bankruptcy petition by the court, But they are reporting erroneous information to the 3 credit bureaus, pertaining to the accounts that I have listed below. I have disputed these accounts directly with the credit bureaus, and each time they are verified by Capital One. The information updated is not reflecting my Bankruptcy discharge status. Instead Capital One has been reporting false information that hurts my credit scores. I have also noticed that Capital One is reporting payments past my Discharged date, and re-aging these accounts. 

I sent a certified letter to their CEO ( XXXX XXXX ) on XX/XX/XXXX, explaining the incorrect reporting, asking for his assistance, but I did not receive any reply from him or anyone else from Capital One. 
The only response that I received was erroneous, inaccurate reporting on my credit reports. Apparently, Capital One is not interested in reporting by FCRA guidelines. 

Capital One did not open an investigation into this false reporting. Instead they reported anything, but the correct discharged status on these accounts. 

I have listed below the information that Capital One believes is correct. 

On XX/XX/XXXX XXXX  was reporting account # XXXX as Included in Bankruptcy. 
On XX/XX/XXXX XXXX  changed the status to an Open Account. 
On XX/XX/XXXX XXXX  changed the status to a Charge/OFF. 

On XX/XX/XXXX XXXX  was reporting account # XXXX as Included in Bankruptcy. 
On XX/XX/XXXX XXXX  changed the status to an Open Account. 
On XX/XX/XXXX XXXX  changed the status to a Charge/Off. 

XXXX  is reporting account # XXXX as ( Charge/OFF ) .This status has remained thru selected dates. 

XXXX  is reporting account # XXXX the status of Discharged In Bankruptcy thru all dates. 
XXXX  is reporting account # XXXX the status of Discharged in Bankruptcy thru all dates. 
XXXX  is reporting account # XXXX the status of Charge/Off thru all dates. 

XXXX  is reporting account # XXXX the status of Discharged in Bankruptcy thru all dates.

XXXX  is reporting account # XXXX the status of Discharged in Bankruptcy thru all dates. 
XXXX  is reporting account # XXXX the status of Charge/Off thru all dates. 


As you can see, Capital One is not reporting these accounts as Discharged through Bankruptcy. 
I need your help resolving these issues. I am trying to purchase a home, and Capital One is destroying my chances of securing the financing I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The beginning loan origination date was in XX/XX/XXXXwhen I first decided, as a XXXX year old, to go to college. 
This college career, as a professional student, finally ended with my completion of a XXXX in XXXX in XX/XX/XXXX. Yes it took me 20 years. 

In addition, prior to that I was 3 credit hours away from completing a XXXX XXXX at the University at XXXX in XX/XX/XXXX. I was in a messy divorce and having medical issues and I did not complete the program. Four years later, I went back to get back into class, and XXXX stated that the program I was in XXXX, no longer existed. Essentially I was swept under the carpet and told that it might be better for me to check with other schools for a new program. They reassured me that my XXXX grad credit hours would certainly transfer over into another XXXX   degree. Thats how I ended up with the XXXX XXXX XXXX in XX/XX/XXXX from XXXX College in XXXX NY. XXXX ended up telling me they would transfer over many of my XXXX credit hours. This did not happen-either. In the end, they only accepted 1 class and transferred it over. 

Nonetheless, I have been very fortunate to land a XXXX job and I love it! 

Unfortunately, my student loan debt is crushing. 

I have called XXXX and asked for a itemized bill but they say my record only dates back to XX/XX/XXXX. What???? This loan has been passed around by the federal government since its origination in XX/XX/XXXX and they have no record of it before XX/XX/XXXX? This loan has been flipped from XXXX, to XXXX, to XXXX XXXX, to XXXX, to XXXX ... ..and when I call to see what can be done when I am unable to make a payment, they change the status of loan, so that my 10 year repayment and loan forgiveness for XXXX STARTS ALL OVER AGAIN. 
This loan is 32 years old. I am XXXX. 

The interest that accumulates on this loan is XXXX per month. I have a loan of almost 400,000.00 and XXXX is in interest alone. 

My question is how can I get the federal government to provide me with an itemized bill of this supposed money they say I owe them. I dont think this is a unreasonable request. 
Also, why does the federal government loan young people, who are uneducated, a lot of money when more than likely they have no clue about financial issues. 

I didnt and only recently ... have begun to understand concepts involving interest rates and principles ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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 following accounts appear on my credit report, without any authorization, they are not mine. 
Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.

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 2020-07-03
Company: Experian Information Solutions Inc.
State: NY
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 submitted previous disputes to Experian, XXXX  and XXXX   on the following dates : XX/XX/20 ; XX/XX/20 ; XX/XX/20 ; XX/XX/20 and XX/XX/20 to update my personal information ; remove all previous addresses, all other names know to only reflect my current address and submitted a copy of my driver 's license and utility bill as proof of my residence. 

I have submitted previous disputes to all 3 credit bureaus to address hard inquiries : Experian is the only one who actually addressed the process. XXXX  and XXXX have not anything to address and or resolve this remedy of updating my personal information : of previous addresses, names, and hard inquiries which is impacting my credit worthiness. XXXX  has not followed up on dispute on an alleged collection account and sent in 3 disputes to address this matter ; I have also sent 3 disputes to Experian of an alleged collection account to reported updated but nothing has been updated. I have provided evidence from Experian & XXXX  Credit Reports as well a 3 bureau credit monitoring services from XXXX XXXX to show further evidence of Date of Last Activity, ( DOLA ), Date of Last Reporting, ( DOLR ) which the bureaus are failure to utilize in my disputes. I have placed screen shots and even highlighted the inaccurate information to provide factual disputes to better my chances to have inaccurate information removed from my credit report. 

I am asking assistance from CFPB to address this matter and hope my resolution to have all inaccurate information removed from my credit report using factual disputes to remove these inaccuracies of my credit report to make myself more credit worthy.

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 2020-07-03
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:
I was looking through my credit report today XX/XX/20 because I wanted to see where my credit was at since I will be buying a car soon but when I was looking through it I noticed three accounts that I never opened. The account names are XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. Those accounts do not belong to me ; I did not open those accounts nor did I allow anyone top open them on my behalf. I have no idea who could have opened these accounts in my name without my permission but I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards those accounts. I do not have any contract or agreement with any of these companies and I never allowed them to have access to my credit information. I have already filed a police report and a complaint with the Consumer Financial Protection Bureau regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXXEFYSED TO RENEW OUR LEASE IN XX/XX/XXXX DURING COVID19 AFTER WE RWPORTED THEM TO HUD AND TO THE XXXX XXXX XXXX XXXX INSPECTORS FOR LIVING IN AN UNINHABITABLE HOME. BEFORE WE WENT TO COURT IN XX/XX/XXXX WE CALLED THE MANAGER OF XXXX XXXX  AND TOLD HER WE HAD ALL THE MONEY PLUS LATE FEES TO CATCH US UP PLEASE RENEW OUR LEASE. SHE SAID NO WE DONT HAVE TO RENT TO YOU. THE JUDGE TOOK INTO ACOUNT THAT WE FIXED THE HOUSE UP AND TOOK A BUNCH OFF THE TOTAL LEAVING A BALANCE OF {$2200.00}. SHE REPORTED THE INFORMATION TO ALL 3 CREDIT AGENCIES. XXXX  TOOK IT OFF IN XX/XX/XXXX BECAUSE XXXX XXXX  IS REPORTED THE WRONG INFORMATION SAYING I OWE {$6200.00}. XXXX AND EQUIFAX HAVE NOT. I HAVE BEEN DISPUTING THIS SINCE XXXX WITH BOTH XXXX AND EQUIFAX STILL TO THIS DAY. I HAVE TALKED TO XXXX XXXX  AND THEY REFUSE TO TAKE IT OFF AND SAID THEY WOULD MAKE SURE I WOULD NEVER BE ABLE TO RENT OR BUY A HOME AGAIN. TGEN TODAY XX/XX/XXXX MY HUSBAMD AND I TALKED TO XXXX XXXX  THAT HAS THE ACCOUNT TO XXXX XXXX  AND SHE SAID AND I QUOTE ... ... '' WE DONT HAVE TO VERIFY THE INFORMATION ON THIS ACCOUNT BECAUSE WE HAVE A CONTRACT WITH XXXX XXXX. '' THIS Was SAID AFTER I ASKED XXXX XXXX HOW THEY VERIFIED MY DEBT TO EQUIFAX AND XXXX  NOW DUE TO XXXX XXXX  NOT VERIFYING DEBT AND XXXX XXXX FOR REPORTING THE I CORRECT AMOUNT, AND FOR XXXX  AND EQUIFAX NOT LOOKING ON BOTH SIDES. I AM UNSURE IF I WILL BE ABLE TO GET A MORTGAGE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: ZWICKER & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I defaulted on a loan and it was sent to a collections company called Zwicker and  associates. Once I got back on my feet, I called Zwicker and Associates and talked to XXXX XXXX and we negotiated a settlement for my debt. She assured me that the call was recorded for both my protection and her protection, but the company has not provided the recordings to me, though I have asked. We negotiated my debt down from {$11000.00} to {$7100.00} XXXX a difference of {$4700.00} XXXX as long as I paid by XX/XX/29. I called on Friday, XX/XX/29 and paid the {$7100.00}. If you listen to the conversation, it is clearly a settlement in full for the {$11000.00}. Now that I've paid it, XXXX has changed their reporting to say that I still owe the remaining balance and that I have just made a payment of {$7100.00}, even though I have a statement from Zwicker and Associates saying that the account is settled in full. This is extremely deceptive, as they are reporting as if the {$11000.00} was never discussed with their collections company and that I was just making a payment toward a balance, which is untrue. I was settling in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
transunion is still showing my score as XXXX when it should be the same as XXXX  at XXXX. XXXX has allegedly corrected their error and removed the entry from all of the credit bureaus, but the correction still has not been made to tansunion.

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 2018-04-27
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am receiving collection letters from AMCA original creditor XXXX XXXX. I went to the hospital on XX/XX/XXXX and they took a copy of my insurance card and ID they came in and XXXX XXXX the same time. Hospital was paid for this date of service and I get a bill in XX/XX/XXXXof this year for a bill of {$250.00} this bill is over a year old and I called XXXX XXXX and XXXX XXXX XXXX XXXX and talked to XXXX she stated you had coverage at this time they can not bill you. She called the collection agency 3 way with me on the phone and told them I have insurance and they should not be billing me she advised she would contact XXXX. XXXX called XXXX and talked to XXXX and XXXX told her she would take care of it. Today on XX/XX/XXXX I received another bill that I have included for a different amount of {$170.00}. This is not legal when insurance is involved. Two different amounts and I had insurance at this time they are threatening to put this on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Experian Information Solutions Inc.
State: MD
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:
For over a year, I have tried to get the credit bureaus to remove certain fraudulent information. They have refused. I have sent identity theft affidavits and police agency reports and requested a block of fraudulent information pursuant to section 605 ( b ) of the FCRA. All 3 bureaus have categorically ignored my claim and not placed the fraudulent information into dispute. 

The following accounts are fraudulent and must be suppressed/blocked pursuant to 605 ( b ) of the FCRA or DELETED. 

XXXX XXXXXXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$5000.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$10000.00} XXXX  XXXX XXXX DATE OPENED XX/XX/XXXX, {$4200.00} XXXX CARD XXXX DATE OPENED XX/XX/XXXX, {$6700.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$8000.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$690.00} XXXX XXXX DATE OPENED XX/XX/XXXX, {$3500.00} In addition to these accounts being fraud they are ILLEGALLY being reported past the 7 year statutory reporting period.

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 2020-11-19
Company: Experian Information Solutions Inc.
State: MD
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 filed an XXXX  affidavit to have inaccurate information removed from my account. The information was reinserted in my file and now they will not allow me to re-dispute. They refuse to open a dispute, telling me it was verified with the creditors but the date of verification is reporting in the past. They will not provide me with the means of verification. I have contacted the creditors and asked for proof that it is mine, a signed application or agreement. They have told me that they are unaware of these accounts and can not provide me with proof. I have relayed this to Experian. i am currently on the phone with Experian and they are refusing to allow me to speak with a manager. I was told one would call me back, I have asked for a call back on my last 3 attempts with no contact. The accounts i am requesting be removed are : Account Name XXXX XXXX XXXX XXXX Account Number XXXX Balance {$2100.00} Status Updated XX/XX/2019 Account Name XXXX XXXX XXXX XXXX Account Number XXXX Balance {$5300.00} Status Updated XX/XX/2019 Account Name XXXX XXXX Account Number XXXX Balance {$0.00} Status Updated XX/XX/2019 2019

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 2018-04-27
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: Account status incorrect

Complaint:
I provide Experian proof of incorrect entries on my credit report. Experian is removing incorrect information from my credit report and re-adding it. I paid XXXX in full. Experian remove it from my credit report and now is reporting is as a negative transaction on my credit report.

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