BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still accounts that need to be corrected or deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are deleted immediately. 
XXXX XXXX Balance : {$0.00} XXXXXXXXDOFED XXXXBalance : {$0.00} XXXXDOFED XXXXBalance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$2100.00} U S DEPT OF EDXXXX XXXX Balance : {$3600.00} XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$3500.00} DP OF EDUC XXXX Balance : {$2100.00} DP OF EDUC XXXXBalance : {$3600.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have repeatedly reached out to this company regarding this issue and nothing has been done. There are recurring charges on my account. I have requested several times that my card is cancelled and another card reissued with a different number to prevent new charges. They have taken NO action to address my issue and prevent this issue from reoccurring. Your company needs to investigate this company and how this situation was handled. I spoke to someone from their back office a few months ago which stated the issue has been resolved and that I didn't have to worry about any future charges. That was completely false there are now two new charges on my account that shouldn't be and needs to be immediately removed. There was also supposedly a check issued to me for XXXX due to an overpayment which was never received. I will not be paying for charges not done by me. The incompetence of this company is baffling. Your inability to fix this issue orginally has called this situation to be prolonged. This requires immediate attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The Equifax freeze I have been contacting them since last week and yet they havent allowed me access to my credit report due to the freeze. I had to change my password ( XXXX ) times since XXXX and yet they didnt assistant me with my request. 

I have contact them XXXX this morning and the representative had me on hold for along period of time and yet I have dont have no access to XXXX & XXXX APP on my XXXX and yet I must contact them to unfreeze my credit and as of today XX/XX/22 they have not unlocked my credit report I have filled out application for mortgage lender and they cant pull my Equifax credit report. 

This agency has right has unprofessional when it comes to my freeze on my XXXX. The representative ask me why do I need my credit report unfreeze and I explained to her she have no rights to ask me about what I am trying to do in order for them to unlock my credit. 

Nevertheless, when I login myfquifax.com and yet XXXX cant unlock my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I recently submitted an employment certification form to MyFedLoan for the Public Student Loan Forgiveness program after consolidating my student loans. The guidance from DOE and in student aid.gov on the waiver announced in XXXX clearly states that payments made pre-consolidation will count toward PSLF. Today I received a letter stating theyve reviewed my recent employment certification and update payment counts. The letter specifically states they have applied any additional payments that would count under the waiver. However, that statement is a lie as the letter shows I have 1 qualifying payment when I had over 60 payments documented toward the program prior to consolidation. MyFedLoan continues to mislead borrowers on forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
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 and XXXX are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account numbers XXXX ; XXXX AND XXXX. ( Please see page 22 of the attached credit report. ) These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
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 recently asked XXXX  Consumer ID : XXXX .for my consumer report because i applied for 2 credit unions and was denied due to the contents of my report. I know i had nothing negative on my report so I was surprised when those Credit Unions turned me down for membership no thanks to a credit lookup they did on my XXXX report. Apparently there are 2 inquiries that are past 2years! Credit repositories are only supposed to hold inquiries for 2years. Credit inquiries are required by law to remain on your credit reports for 2 years. 1 ) Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 2 ) Inquirer : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX. The list of following Inquiries are ones I dont recognize at all! and I didnt authorize to pull my XXXX  report. Per FCRA 604 To my knowledge, I have not signed any documents authorizing these organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.. Either Validate this data with them which i assure you they WONT BE ABLE TO! or delete the following as soon as possible as it has hurt my ability to obtain credit and goods both which are punishable by federal law. 1 ) UNKOWN Inquirer : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 2 ) 1 ) UNKOWN Inquirer : XXXX XXXX  Inquiry Date : XX/XX/XXXX 3 ) 1 ) UNKOWN Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 4 ) UNKOWN Inquirer : XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/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 2023-04-03
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: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

1. XXXX XXXXXXXX # XXXX 2.XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has come to my attention that Lexis Nexis credit file/credit report with my information on it. I requested to have this information sent to me, but I was then asked to provide either my social security number or my drivers license. This a violating of my federally protected consumer rights. 
I never gave permission to furnish a consumer report with my information to anyone. They never asked for permission from me. They sent me a request form but because I never authorized them to furnish a consumer report on them, they should be the one filling out the request form. Lexis Nexis has personal and private nonpublic information about me and I feel completely violated. How and why do I have to prove to someone else that I am who I say I am, but any 'person ', as described in 15 USC 1681a, that gets my social security number, credit card as described 15 USC 1681a ( r ) ( 2 ), and goes to a credit reporting agency can place anything on my consumer report without the permission, this is a direct violation of 15 USC 1681b ( a ) ( 2 ). 
In the attached paperwork there is a section to 'opt out ' but the problem is i never opted in! 
This has completely stressed me out and this has taken a toll on my mental health. They have violated my privacy and I do not feel comfortable knowing my personal nonpublic information is just out there. Why are these companies able to get personal nonpublic information on consumers if it is a violation of their federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions 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:
I recently sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2017-06-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I 've recently contacted both credit Bureau and credit company and none were no help to me. I recently contacted equifax several times through letters, online disputes, and phone and advised them of the fraudulent inquiries that were on my profile that I did not authorize and recall doing. I know their was a fraud alert on my account that indicates anyone who runs my report needs to contact me via phone and that was not done which violates my rights as a consumer. I am really upset and tired of trying to get a hold of some one who will actually help me with these fraudulent inquiries. I have not yet heard response from neither letters and online disputes. Below are names and dates of reporting companies that pulled my report with out my authorization and that I consider fraudulent. 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/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/XXXX/XXXX, XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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: Personal information incorrect

Complaint:
incorrect information 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 non-monetary relief
Consumer complaint received 2022-03-11
Company: Resurgent Capital Services L.P.
State: PA
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 trying to get an item removed from my credit reports. XXXX claims that on XX/XX/XXXX, i had a computer delivered to XXXX XXXX XXXX XXXX XXXX.I disputed this immediately upon receiving a bill from XXXX in XX/XX/XXXX. I have since then, sent them, and their collection agency numerous letters, requesting they investigate my claim that I never ordered, or received a computer from XXXX. XXXX has written it off on XX/XX/XXXX, they did this after i sent a request to validate and show that I ever even ordered the computer. I was not even living at the XXXX XXXX XXXX address at this time. The property was vacant. I was in the midst of a divorce, and the property was vacated months earlier by both my wife and I. I sent XXXX, and their collection agency proof that I had moved to XXXX XXXX XXXX XXXX PA XXXX. I still reside at that address. At their request, I sent them a police report that indicated Fraud/Identity Theft. They said that wasn't proof enough. I sent them proof that I had moved prior to the delivery of the computer, as well as a signed lease, an notarized Affidavit of Identity Theft, utility bills, and a copy of the change of address forms. That still wasn't sufficient. They said it didn't prove I didn't order the computer. I asked for proof that the computer was ever even delivered to that address, they couldn't provide me the carrier who delivered it, a signature that it was delivered, or even an old tracking number. They did not say they didn't have it, just that they would not share it with me. So at this point, what should be my next step? I've given them everything they asked for, and more. How do I prove I never received something? The amount in collection is {$750.00} XXXX XXXX XXXX XXXX of SS # XXXX. XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I was un rightfully denied credit under title '' 15 subsection 16:11 '', " false and misleading denial of my own credit '' USC code 15 16-11. I formally request written response in 72 hrs, or I would like to speak to the underwriter of this account. 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 explanation
Consumer complaint received 2022-09-08
Company: Credit Karma, LLC
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have two areas to address here against Credit Karma.

I feel as if Credit Karma has deprived me of a fair opportunity to obtain credit. I received numerous offers from Credit Karma via email and online portal, advertising offers to Pre-Approvals and Approved card statuses. I applied for my opportunity resulting in inquiries and denials. Credit Karma states that their offers won't impact your credit, when in fact they do. Each denial I received is a denial to me and a gain to others, for the use of my social security, and this is done WITHOUT a gain to me. Credit Karma you have deceived me if this is a credit monitoring service as advertised, whoever assigned to my Credit Karma online profile, should have known what my report looks like, stating I was approved or preapproved for a loan and being denied wasnt an uplifting nor fair moment and I fault Credit Karma for that.

This is the second deceptive experience I have faced with Credit Karma.

Credit Karma 's online profile is displaying false credit information from cred
it reporting agency XXXX XXXX. ( Please see attached documents ). Credit Karma has not contacted me at any time to verify if the information that is being displayed is accurate. You update misinformation. Credit Karma possesses 0 consent from me to publish, furnish, or display an inaccurate credit report by any Credit Reporting Agency. I feel this is slander towards my character. Credit Karma has possession of false information without proper consent, this information is seen amongst Credit Karma employees, and online support. I count 0 wet inked signed documents Credit Karma has of my latest dispute with XXXX XXXX. This causes mental anguish on my part. My credit report will show that I try my best to maintain a fair report, with deceptive approval offers this caused me to receive denials from the same institution that Credit Karama Approved and Pre-Approved me for. This is not fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been making payments on a hospital bill ( I should have disputed this bill from the start. ) XXXX to a debt collector since XXXX I have made regular monthly payments of XXXX.for 48 months At the end of XXXX I sent a check for the final payment on the account and they said ... .oh no wait a minute you still owe us XXXX. I stated I did not owe that and they informed me that they refiled a judgement back in XXXX since I missed several payments. This was the first I was notified of this.They never called or notified us that these payments were not received and that now they filed additional paperwork to inflate the balance to over XXXX still owed. They garnished my personal joint bank account with my wife who has battled XXXX for 17 months and garnished my very small business account. They took every cent from these accounts and never returned my calls since XXXX about my disute of not owing this balance. I have requested bank records from my bank. I have looked online and found many complaints and lawsuits against this debt collector Hayt Hayt and Landau, 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 2019-12-02
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 applied for an auto loan today XX/XX/19and I was not approved because there are 3 accounts reflecting badly on my credit report. None of those accounts belong to me nor did I ever give anyone permission to open those accounts in my name. I have no idea who opened these accounts on my behalf without my permission but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments or transactions regarding any of those accounts. I also have never had any written/verbal contract with any of those companies and I never gave them permission to run or access my credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022

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