BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I 've disputed this information 4 times already with the credit bureaus and have proven that they are reporting it incorrectly and nothing is being done. I 've also made complaints with the XXXX for my state. I am tired of receiving the same letter over and over again in response to my disputes just disregarding what I am saying to them. I require the physical, firsthand knowledge, proof, that they are reporting this correctly, or it must be removed immediately and permanently. This is made available to me under section XXXX as well as XXXX. I also did not give my permission for this information to report on my credit file pursuant to section XXXX. 

Here is what I am disputing : XXXX XXXX XXXX XXXX # 1 The filing date that you have listed is NOT the filing date that I am looking at on the petition # 2 the docket # that you have listed is wrong : it is NOT the docket # that I am looking at on the petition # 3 the court that you have listed is wrong : " XXXX XXXX '' is NOT the name of the court and you must have the city and state listed

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 2015-08-11
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have continually received calls from a XXXX that ask for various names of people ( XXXX XXXX, XXXX XXXX, XXXX, etc. ) about missed payments. Not only am I NOT any of these people, but I have no outstanding card debit. 

Upon googling the number I came to find that the harrassers are Discover card in XXXX, OH. I have notified them several times that it 's the wrong number due to 1. I am not who they ask for and 2. I closed my Discover account 5 months ago due to their ineptitude. I also came across a web board where dozens of people have had the EXACT same thing of being continuously called by Discover & asked for the same people ( XXXX XXXX, XXXX, etc ), even though they have stated on numerous times that it 's the wrong number. They always want to argue with me about who I am. Growing frustrated, I called them back and asked for a supervisor. After debating with one of their XXXX, I was finally put in contact with a supervisor named XXXX XXXX, who felt it appropriate to tell me " we can call whoever we want until we are satisfied '' and when I told her I had been called over XXXX times, she said " Oh well. '' I filed a complaint with the FTC after every call and yet, they have done nothing. 

Growing tired of their XXXX times a day calls and the FTC refusing to do their jobs, I contacted the XXXX, who sent the information forward. I received an e-mail from a XXXX XXXX who is listed as the Executive Office of Customer Advocacy of Discover shortly there after and a plea to call her so we could " figure this out. '' Upon calling her, I talked to yet another XXXX who could n't comprehend English very well. Stating first that " she had left for the day '' I notified him that I was in the process of contacting a lawyer due to the continuous harassment at which point he stated " Uhhhh, give me a minute, she might be around. '' After several minutes of being on hold, he stated " she 's in a meeting, she 'll call you back. '' I 'm still waiting for that call. 

All in all I have been called XXXX times, XXXX of them in the last XXXX weeks. I 've talked to a XXXX at Discover who I literally had a 5 minute conversation with about not being XXXX XXXX and he wanted to argue that I was. He called back the very next day and had the same arguement. I 've talked to a XXXX that has asked for XXXX different people when she 's called me in the span of 3 days and when I told her I was neither, her response was " are you sure? " The continued harassment by this company goes beyond unreasonable and somebody really needs to hold them accountable for their actions. Either through fines or just a good old fashion XXXX, I do n't care, but it is ridiculious. 

Dates and Times of the last XXXX calls : 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 non-monetary relief
Consumer complaint received 2015-07-27
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed this incorrect reporting with the XXXX bureaus, indicating this was paid/equipment returned. I still have had no luck getting Stellar Recovery to remove this information from my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
On XXXX/XXXX/15 I received an e-mail from XXXX regarding a change in my credit history. When I typed in my user name and password it was rejected twice. I was then directed to a form which asked for my social security number and birthdate. I typed in the first XXXX numbers of my social and then stopped, fearing this was a phishing fraud. I have contacted Equifax regarding next steps I should take to protect my information but have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Company: DISCOVER BANK
State: MI
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:
My loan service company is Discover Student Loans. XX/XX/XXXX and XX/XX/2016, Discover made unauthorized withdrawals from my bank account without my permission and without actually crediting my loan with the money removed. XXXX the amount was {$130.00} and XX/XX/XXXX the amount was {$140.00}. I have attached screenshots of my bank account records as proof. When I asked them to return the money, they said they had no record of the transactions and asked for bank records, which I provided and I 've attached here. They rejected the bank records and said to check with my bank for a " remittance report. '' My bank did not know what that was, but still provided me with a more detailed record of the fraudulent withdrawals. I forwarded this information on to Discover and still have not gotten my money back. Discover basically stole almost {$300.00} from my bank account and is stonewalling any attempt by me to recover this money. My bank was able to reverse the XX/XX/XXXX charge, but due to the XX/XX/XXXX charge being over 60 days old, they can not reverse this charge and I am left to Discover 's mercy to get my money back. I have attached the additional information given to me by my bank for the outstanding XX/XX/XXXX charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Contacted Equifax regarding unauthorized inquiries on credit report. Equifax stated I would have to contact company directly and let them know inquiries were fraudulent and request removal. Sent certified letter to XXXX XXXX and XXXX as directed by Equifax and no response from company. Contacted Equifax regarding no response from company and still refuse to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I recently froze my XXXX report, and have received verification that my report has an activity freeze on it. I contacted Equifax & XXXX credit reporting agencies on two different occasions, and asked them to verify a public record of bankruptcy on my credit report. They sent a reply stating that it was verified through XXXX, which is untruthful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
There is a 2011 entry on Equifax 's report for me that I disputed in 2011 ... it reared it 's head again yesterday attempting to get power in my newly purchased condo. The collection agency named ( spoke with " XXXX XXXX '' at XXXX ) realizes that the last name of the person responsible for the debt is XXXX ... I am XXXX. I have discovered that Equifax did nothing to get this error removed from my report and they are totally non-responsive about it now. I need help from someone with authority to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: EQUIFAX, INC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
SHOWS OPEN AND LOAN WAS CONSOLIDATED AND PAID, SHOULD BE CLOSED, AT XXXX BALANCE ON EQUIFAX CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I filed a dispute with the way some accounts were reporting on my credit report. The information reporting was wrong and inaccurate. I provided the facts that the accounts were reporting inaccurately and requested they investigate. I get a credit report stating that the accounts have been verified that they belong to me. I never claimed they did n't belong to me. 
I simply stated the information reporting was inaccurate. I do n't believe they did a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am challenging a Public Record Information on my current credit profile as inaccurate in its filing. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit profiles under their procedure of reporting as a derogatory for 10 years. The credit bureaus have stated that the information is " verified by it 's origin '', the origin is the Bankruptcy Court. I have contacted the Federal Court to confirm this information and they have confirmed, by documentation, that they did not and do not verify to credit reporting agencies. This is misleading and false verbiage on behalf of the reporting agencies. This discrepancy has prevented me in my personal life 's pursuit and I am requesting CFPB to advocate for me in this challenge. I have a consumer right to know the identity of the origin entity that is reporting this negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed a collection with Equifax and they denied the dispute. The collection is for a hospital in Wyoming, and I have never been to a hospital there. I disputed the collection with XXXX and they removed it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX used my s.s. number without my authority and did a hard credit check, and I did not know about it until I got a credit alert from credit karma. And I wish to have the hard credit check removed.

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 2016-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have requested the following company information be changed due to inaccurate information on my credit report. I have filed disputes and nothing has changed. I also sent documents proving my dispute and nothing has changed. 

I am asking, the following companies removed from my credit report due to consistent inaccurate information. XXXX closed my account after we had an agreement, which once I received a job, I would pay what I owe. We spoke on the phone a few times and after I made my payment, XXXX then closed my account. This has negatively affected my credit. XXXX XXXX made an error, which I notice now, it is negatively affecting me and would like for this to be removed from my credit report account status. I am also asking XXXX, XXXX XXXX be removed from my credit score due to inaccurate account status information. I have requested the information be changed and nothing has been done.

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 2016-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Please see the attached documents. I am requesting that these items be removed from my credit report as they are a part of a pending litigation, which I do not wish to involve additional parties in for willful non-compliance.

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 2018-05-27
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have notified Equifax that the two accounts that they continue to report in my credit file are a result of identity theft. I have supplied police reports and they keep responding to my disputed as verified. I asked for proof of the method that this was verified and my request has been ignored several times. At the time these accounts were opened I was a minor and I explained this to the customer service person at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: The CBE Group, Inc.
State: TN
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have the same name as the person they are trying to get a hold of. I have informed them when they have called that I am not the right person, they stopped calling for about 6 months, and now they are calling and mailing again. Now I have received a notice stating that they are going to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Stellar Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
the collection agency has failed to send the legally required validation of this debt. they have been notified that your actions are detrimental to me and has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. they knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX. 

STELLAR RECOVERY INC failed to notify the credit reporting agencies that the debt is disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have a major issue with Transunion. I pulled my credit report and score on their website on XXXX XXXX, and the score was XXXX I pulled it again on XXXX XXXX, and the score was XXXX. The reason I have the complaint it because literally nothing changed on my credit report in that 24 hour period. Everything was exactly the same. I tried to call them and all they would say is that they do not know why the score dropped. I could get nowhere with them. I am trying to buy a house and have been on top of my credit for over 2 years paying on time, etc and my score continues to drop with them for no known reason. Instead of going up when I pay down debt it goes down.

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 2016-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX account was used last in XXXX XXXX. According to FRCA rules and Bankruptcy rules, these XXXX XXXX accounts would be have been deleted XXXX. Yet Trans Union consistently using this information and deliberately hurting my credit score. 
XXXX XXXX Accounts were not late at all. It was switched from one program to another program. Yet Trans Union consistently using this information and deliberately hurting my credit score. 
Address is wrong. They can not get the address correct after writing 20 times. The correct address is XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, CA XXXX. 
I have mailed many times to Trans Union to correct these errors. Trans Union is harassing me and deliberately hurting my credit score without verifying information per FRCA law and putting back deleted information again and again. 
I need corrected 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
Consumer complaint received 2015-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello! 
My SSN is : ***********I have disputed repeatedly with XXXX bank, the history regarding my charge-off. They are still reporting it showing past due {$1100.00}, even though it is a charge off. I have been told this is incorrect, ad they will not remove past due status. 

In addition, there is an item with XXXX XXXX XXXX, regarding a vehicle that I had voluntarily reposessed. The item in question is not showing a proper balance charged off I owed over {$4000.00} on this vehicle and was only given credit of just over {$1000.00} when they sold it. Extremely unfair practices, and this was not explained properly when the vehicle was reposessed.. 
In addition, there is an item for XXXX which is incorrect. I have been harassed repeatedly by XXXX very nasty collection agencies. I am being charged for equipment I returned and amount is completely incorrect. I do not owe this money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The account listed as an open collections account listed under XXXX AD in the amount of {$860.00} is incorrect. This account should have never been placed in collections to start with. Also, it was disputed in XX/XX/XXXX 2014 and to be removed at that time. As you can clearly see from the attached documentation, I do not, nor have I ever owed this money. My health insurance plan at the time offered a {$1000.00} PPO discount with XXXX XXXX XXXX XXXX original creditor ). This left me a balance of {$320.00}. I was told XXXX that I only needed to pay {$300.00}. My cancelled check is attached as well. Please remove this account from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: ALLY FINANCIAL INC.
State: NV
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
I am XXXX of the victims of XXXX minority borrowers to pay higher rates to Ally Financial, according to a complaint filed at federal court. U.S. Justice Department and regulatory claims that the firm helped car dealers inflate the cost of auto loans to XXXX and XXXX borrowers. Due to a very high interest rate, it 's been very difficult for me to make the car payments. I 'm currently in the XXXX and last request for extension and so I have exhausted all. Pleas help me with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have sent the TransUnion multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is a debt and some late payments reporting inaccurately as well as balances and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously. Today XXXX/XXXX/2015 we have tried requesting verification procedures from the XXXX bureaus. Please help. We have attached supporting documents. 

Account # in questionXXXX XXXX The balance is completely inaccurate. See the high credit and current balance. This vehicle was liquidated at auction and there is not past due amount. Their address is also not listed on my credit report. Please remove for it 's FCRA violations. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation