BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 am filing a complaint against XXXX, XXXX and Transunion for continuing to allow an item that is not mine to be placed upon my credit report which is preventing from getting into an apartment in Texas to see my grandchildren. I am XXXX years old and this harassment has caused me much grief, pain and embarrassment being turned down for an apartment fir something I do not owe I have filed requests under Section 609, 611 of The Fair Credit Reporting Act and complaints under The FDCPA. Rent Debt has been reporting for over a year an item to my credit report that is not mine. I even filed a complaint with this Consumer Financial Protection Bureau and they once again verified the debt as accurate. 

Please find my notice under Section 609, 611 FCRA and FDCPA along with notarized affidavit that this erroneous debt does not and never did belong to me. The debt collector sent me one page of unexecuted lease with a fake signature of mine. 

I hope the bureau pursues this matter for the violations of all of these parties.

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 2021-01-21
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:
I reviewed my credit reports and saw that the payment history was different on all 3 reports for my credit card which is a violation to the FCRA. I Immediately informed the bureaus but they did nothing to resolve the issue.

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 2016-05-26
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I contested an apartment Community billing amount of {$3000.00} in XXXX where Judgement was for me to pay {$830.00}. Property Manager immediately sent {$3000.00} to Collections Agency called Rent Recovery who listed the {$3000.00} with all XXXX-credit bureaus. On XXXX XXXX, XXXX, I contacted the manager of XXXX XXXX XXXX where the Manager adjusted the amount down to {$1900.00}, and he forwarded this Corrected amount to Rent Recovery. Problem : Rent Recovery has failed to submit the Corrected Balance of {$1900.00} to the credit bureaus. I have requested a Corrected Billing from Rent Recovery, but have not received it. Rent Recovery says their requests to generate this new document was made 3-4 times and that I should have it. Now Rent Recovery has said they Do Not Generated Corrected Billings or Settlement Letters. I need a True Balance Bill to verify the Corrected amount I will be required to pay. Rent Recovery is rude and will not confirm that they have sent any updated billing to me or the credit bureaus as they stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
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: Personal information incorrect

Complaint:
I have sent certified letters to get my personal info corrected on  XXXX / XXXX /  XXXX   and  XXXX   XXXX  and have also called all   XXXX   of them on. Several occasions to get my personal information updated and inquiry 's removed. I keep getting the run around and they continue to report addresses that are not valid, work history that is invalid and continue to have more than  one  name associated with my account. Several of the inquiry 's are not valid and they tell me to call creditor ... .I sent creditors certified mail and they tell me they can not remove they credit bureau has to do it ... ..I am exhausted with the effort of trying to correct my reports from all   XXXX   major bureaus to no availe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Capital One has made repeated inquires on my credit report. The did this without my knowledge or consent. They even sent me a credit card that I did n't ask for on XXXX XXXX, 2016. The current problem, though, lies with their unwillingness to remove their latest inquiry from my XXXX and XXXX credit reports or to explain why they made the inquiry.. This inquiry appeared on XXXX XXXX, 2016. Since then, I have called more than a dozen times asking them to fix this. Recently I was hung up on 8 times in the same afternoon. Letters are ignored, and no action is taken to make the necessary corrections. I have no idea if they have issued credit to an identity thief using the information they got without my permission or if Capitol One again opened an account somewhere in my name without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
There is an account that is reporting on my credit report. The account is XXXX XXXX. I have disputed this account several times because this account is not mine. I have called XXXX XXXX and requested in writing a copy of my original account and did not receive it. I spoke with XXXX Account Manager, XXXX XXXX and he admitted on a recorded call ( the call took place between XXXX on XXXX XXXX, 2015 ) that they did not have any paperwork regarding my original account and they could not provide it to me. 
If I was able to find out this information by a phone call, the credit bureaus should have been able to retrieve this information and take the appropriate steps to remove this account ( which shows a duplicate ) from my credit report. They did not and did not thoroughly investigate, when they held themselves that they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have disputed several times with Equifax Credit Union regarding University XXXX Louisiana of XXXX showing a balance of XXXX as this account has been discharged as of XXXX/XXXX/16. I have submitted this same issue to the CFPB a week ago and received a response that the this creditor was updated to show that they were included in the bankruptcy. Since the last CFPB Complaint was completed, my credit report has changed several times, ive spoken to countless reps and supervisors at equifax who have assured me that this account is showing closed and no balance. This is not true i am still showing to have this account as installment account listed on my credit, as well as showing a balance and collection activity. I have been hung up on by equifax reps as well as lied to from their supervisors, i have attached the conversation between myself and the sup on XXXX/XXXX/16 as well as the 1st corrected credit report that was showing correct, as well as reports for XXXX/XXXX/16, and now XXXX/XXXX/16.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: AES/PHEAA
State: AK
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt was discharged in Chapter XXXX bankruptcy. Original creditor REPORTS it as such. Whoever this is apparently tried to buy bad debt AFTER the chapter XXXX and is trying to collect on debt that was discharged. They report it as CLOSED, yet they report it as LATE every month. ILLEGAL and I want it to STOP! IF XXXX show the debt was discharged, they CAN NOT pass it off and sell it to someone else after the bankruptcy to try and collect!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: CORELOGIC 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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

OnXX/XX/2020, XXXX XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, CREDCO add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your 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.

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 2017-02-14
Company: DISCOVER BANK
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have mailed in money orders with the clear account number on it and the loan number on it and a letter stating this laid out. It was recieved and again payment put to the wrong account and not a sub set loan. 2 WEEKS now of going back and forth on the phone they have still not correct and charging interest on the loan in the meanwhile. Its very simple account XXXX with loan XXXX is not account XXXX distrubte to all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Had capital one credit card for 10 years after all this year 's wants me to proof who I 'm because they think I 'm not the person who opened the account call ask to speak to a manager and it 's never available also put me on hold for 20 minutes and they accused me for fraud ca n't stand this bank no more

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
A company advertising as XXXX online trial for skin cream. On XXXX XXXX, 2016 I ordered the trial. I careful looked to see if there was any recurring charges on this ad as this XXXX becoming an epidemic when ordering products none was shown. I ordered the product and my charge was billed for the trial of XXXX. On XXXX/XXXX/16, I noticed a charge on my credit card for XXXX. I had not authorized any charge and called my credit card company. I was told that it showed preauthorized and asked to call the number on the charge receipt. I did so and it was an overseas company. The representative indicated that I had ordered the trial and by doing so I agreed to recurring charges. I shared that no such language was on the original order site nor was it on the emails confirming the shipment. I was told it would be canceled. The company showed the cancellation was made as of XXXX/XXXX/16, however I called on XXXX/XXXX/16 and then called back on XXXX/XXXX/16 as I had not received a confirmation of the cancellation. I was told I would receive this and to date it still has not been issued. I am submitting this to CFPB due to the fact that this company, though they show my cancellation still expects to get paid for a product that was never shipped other than a trial. I disputed the subsequent charge to my credit card company in XXXX and on XXXX XXXX received some documents from a different company about an agreement for recurring order on a different product. The company changed its name & product. I ordered XXXX, which is on my original order receipt and a company called XXXX XXXX responded to my credit card company. I never order anything from XXXX and never agreed to any type of recurring shipping of the product nor did I receive any subsequent order of the product. I believe this company should be investigated for fraudulent advertising and charging consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-21
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: Was not notified of investigation status or results

Complaint:
I have exercised my rights under the Fair Credit Reporting Act by initiating an investigation regarding my consumer credit report. I have submitted copies of my social security card, current utility bill, and government issued ID with each written dispute request, I have submitted a dispute for the following items a total of 12 different dates via us mail. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have not received an investigation summary and or results for any of the disputes submitted. My consumer request have been ignored and obviously not properly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Astra Business Services
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - I returned call and, after realizing I had no business dealings with them, asked them to place me on Do Not Call list and to not call me back ; XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - I returned call to ask them once again to put me on Do Not Call list, to not call me back, and to inform them that I would report them the next time they called ; XX/XX/XXXX XXXX XXXX - Called me, so I answered and informed them that they had violated my request to not call me again and that I would be reporting them.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-22
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am at an income based forgiveness of $ XXXXmonth but just noticed the loan company, Navient, is still adding money to my account after I was told my account would stay frozen until after I started making payments again!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I tried to purchase my report online and received error codes that a report could not be furnished. 
Called for customer service and they were also not able to get a report online for me. 
Sent ID documents as requested. 
They orally confirmed my ID was fine. 
Again tried to purchase credit report and did not work. 
Called customer service again and after 8 attempts they were not able to generate a report for me either. 
They had no answer or explanation. 
I was denied credit and then tried to use phone system to get a free report, but I got message that the automated system was down. 
I then attempted to get a free report online and it would not generate a report either. 

So I ca n't buy or get a free copy of my Equifax report and I have been trying for over a month. 

Each time they try to process a payment for a report I ca n't get, it puts a hold on available credit on my credit card and I need that credit available.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: PROFICIO FINANCIAL SERVICES, LLC
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
this person called me repeatedly throughout the day on both cell phone and work phone for multiple days. When I called them back she accused me of harassing them because my phone cut out and I had to call them twice. The lady screamed at me on the phone, and was abusive toward me. When I told her she was being rude to me she said that I was just trying to talk over her she kept yelling at me over and over would let me get a word in edgewise and finally hung up on me without taking payment. Her final words to me where " call back when you decide to pay your bills ''. I 've never dealt with someone so vitriolic before- I 'm still shaking.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Being sued by debt collector XXXX XXXX for a debt I did not even know about. I asked for verification and they sent a stack of paperwork from an account I did not open in XXXX or XXXX. My husband and I filed bankruptcy due to an auto accident in XXXX. I have only opened XXXX credit accounts in that time. Because I do not work and have bad credit. The paperwork they sent me has the wrong dates. Even my credit report says this debt was discharged in bankruptcy. Yet they are still taking me to court. Also the debt buyer company and original credit card company capital one started reporting on my credit report that I opened said account in XXXX. Yet I never had attempted to open any credit account in XXXX and underneath these XXXX reports it says may have discharged in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Not only have I requested my Credit File Annually, I have not received this report in 2 years. I am tired of the lies and games with MY credit file. This company received MORE than the XXXX items listed in their denial letter sent to me. I have proof of documents received that were sent to all XXXX of the credit reporting agencies. The documents were tracked & posted as delivered. The agencies received a copy page of a previous credit file ... a Copy of my US S.S. card, a copy of my FL state issued DL, a copy of a Utility bill, full information, name addresses 2 years and prior, and my Post office address. AND THEY ARE STILL PLAYING A GAME WITH MY CREDIT FILE. I want my copy EVERY YEAR. Not once every few years, after I take legal action every time for 6 months to receive it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have tried on numerous occasions to get an account that was charged off in 1994 removed from my report and Equifax refuses to remove it. XXXX has, XXXX has. 
The original account with XXXX was from 1994 and it has been sold, and resold to collection agencies over 22 years. Equifax is using the date of the last " sell '' to a collection agency as the date I originated the loan with XXXX. After several online attempts as well as phone calls directly to Equifax they will NOT remove it. It is with XXXX XXXX who is already being against in a Class Action Law suit for harassing folks via their cell phones to try to get money. I am at my wits end yet nothing changes and they just say " it will remain on your credit until the last collection agency has had it 7 Yrs!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I initiated an online dispute with Equifax and received a reply on XXXX/XXXX/16 advising that it could not be handled online. I then requested that the dispute be handled by the firm I am using to apply for my business credit loans. My request to Equifax was that I was listed as only an authorized user in their system for a XXXX credit card account. My deceased uncle was the owner. That firm disputed the item with Equifax on my behalf on XXXX/XXXX/16. Today XXXX/XXXX/16, I received the online dispute results which state that Equifax has verified the account is mine and additionally, they are now reporting it as XXXX59 days late even though that was never reflected on their bureau prior to the dispute.Interestingly enough, I have just placed a call to the creditor XXXX who confirmed via phone that I was removed as an authorized user in their system and have no legal liability for the account. XXXX is sending me a letter to that effect in tomorrow 's mail. 
I am attaching a copy of XXXX the prior reporting showing Equifax listing me as an authorized user with no XXXX59 day late status as well as the results of their dispute. 
Please note that I disputed the same account and requested the removal from XXXX and that was done within 48 hours of my online request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am the victim of identity theft and I noticed that XXXX has deleted the accounts that are not mine but Equifax has not done so. As a result I have an 'Excellent ' credit score of XXXX with XXXX and a 'Fair ' credit score of XXXX with Equifax. Another person named XXXX XXXX opened up the accounts using my information without my permission and charged up the cards to the tune of XXXX dollars. I have previously disputed those acounts. I am complaining about Equifax 's false reporting because they are being unfair in keeping those accounts on my record when I did not open them and derived no benefit from the ill gotten gains of XXXX XXXX. This is a violation of the FCRA for which they could be sued. The accounts are : XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7900.00} XXXX XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX {$27000.00} XXXX for XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX for XXXX XXXX XXXX XXXX XXXX {$7200.00} XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX {$7600.00}

Company response to consumer: Closed with explanation