BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is an account listed as in collections from XXXX XXXX. I do not know where this account came from as I have never been to XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX has a charge off listed on my file. They showed it as having a XXXX balance in XXXX with a paid balance and then a {$28000.00} balance in XXXX. We filed a complaint with several government entities. I disputed it with the XXXX credit bureaus. The Fair Credit Reporting Act ( Sec. 611 ( a ) ( 1 ) ( A ) says : In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I disputed this item in XXXX and the credit bureaus left it on the file. THERE IS NO BALANCE ON THIS ITEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My Equifax Credit report under ( Inquiries that may impact your credit rating ) shows XXXX making an inquiry on my credit report. I do not have an account with XXXX nor did I give XXXX permission to access my credit report. I contacted XXXX and spoke with XXXX XXXX, I spent nearly an hour on the phone while she investigated why the credit report was ran. XXXX 's end result concluded they have no account for me and no record of a credit report being ran. They suggested I contact the credit reporting bureau. I contacted Equifax Credit Bureau and spoke to a supervisor XXXX XXXX. I explained that XXXX made a credit inquire but has no record of doing it. I asked to have the inquire disputed and he said he can not issue a dispute on his end ; XXXX must send the dispute. I explained to him that XXXX has nothing. He said that 's a problem and suggested I file a police report and then they can take it off. I told him I thought if I dispute something on my credit report the credit agency sends the reporting company " XXXX '' proof of reporting, and if the reporting company fails to send proof then the credit reporting agency must take off the impacting credit remarks. He said he was sorry and there is nothing they can do. 
Questions : So now how do I get this off my credit report? 
Is this a rogue XXXX employee viewing credit reports using XXXX 's reporting account? 
Is XXXX 's computer systems compromised allowing a hacker to use XXXX reporting services? 
Is this the beginning of an identity scam using XXXX as a front? 
Do I need to file a police report to get this off my credit. 
Who actually reviewed my credit report if XXXX says they do n't have any record of a credit report ran but Equifax says XXXX ran the report ; who 's responsible here? 
Facts : Equifax is refusing to verify who viewed my credit report, they simply say it was XXXX. 
Equifax will not dispute the inquiry because XXXX must first acknowledge the reporting error and send it to Equifax. 
Equifax contact : XXXX XXXX supervisor ID XXXX XXXX or XXXX XXXX has no record or knowledge of ever running a credit report. 
XXXX contact : XXXX XXXX XXXX XXXX result, I have no confirmation of whom ran/viewed my credit report and the results of the inquiry may impact my credit score with no recourse other than to file this complaint. Please help and thank you for your time. 
XXXX supporting documentation excerpt from my credit report : Inquiries that may impact your credit rating XXXX XXXX/XXXX/16 Creditor Contact Information XXXX XXXX XXXX/XXXX/16 Creditor Contact Information XXXX XXXX Public Sq XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The dates for a debt from XXXX are being incorrectly reported. 
Account is listed as XXXX XXXX XXXX # XXXXAmount as of XXXX : $ XXXXPlaced for collection ( according to report ) : XXXX never had an agreement with XXXX or XXXX. This debt is being incorrectly reported with the wrong dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX has failed to validate the alleged debt directly to me by failure to provide a true and certified copy of the complete audit trail of said account, audit verification of debt entry in accordance with basal 3 and u.n.c.I.t.r.a.l. conventions, g.a.a.p., and I.f.r.s. I also requested a copy of XXXX Tax Registration Certificate, all of which XXXX was unable to provide as stated in their response letter ( see attached letter ). By law under basal 3 and u.n.c.I.t.r.a.l. conventions, g.a.a.p., and I.f.r.s XXXX failed to validate their claim. A copy of XXXX 's response to my debt verification was previously mailed to XXXX, equifax, and XXXX, however, your agency continues to allow XXXX to remain on my credit report negatively affecting my credit. XXXX is illegally reporting negative on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I can not access my credit reportmy information does n't match with the credit bureauI applied for numerous credit cards and got a denied answer based on the fact that the can access my information to verify my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am putting another complaint on Experian because once again they continue to find ways to deny removal of the Federal Tax Lien they are reporting in which they got there information off of XXXX. I have confirmation from XXXX XXXX that the federal tax lien was removed from my risk file. I provided Experian the response from CFPB complaint XXXX from XXXX XXXX giving confirmation that the information was removed from my risk file with them. I have provided Experian with the police report filed, the form XXXX that I filed with the IRS, the response from IRS with receipt of my XXXX form, I provided them the response from XXXX showing the removal from where they originally obtained there information. With all of these supporting documents that uphold mt claim they continue to report and claim to verify this Tax Lien that is not suppose to be on my file. I am going to attach once again all the documents that I have supplied to Experian that only shows there unwillingness to help in the removal of fraudulent information that is on my file. They have provided only excuses and no clear answers. I am now requesting from them what vendor they are using to verify this tax lien. What is the steps and methods they are using in doing a legal full and accurate investigation. I am not asking for a generic template letter from them on how they do investigations. I want a specific list of steps that they took, including but not limited to the dates they contacted their vendor, the name of the vendor used and what was the steps. I would like to know if a website was used in trying to verify these tax lien and what is the address of the website. I have contacted the XXXX County Courthouse and I know it is not them providing the information so I do not want Experian to illegally tell me to contact the source when the court house was not the source used to verify the accuracy of the information. I also requested for Experian to remove the Fraud Alert from my file and provided identity verification documents for the removal of the fraud alert and yet it is still reporting on my file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I rented an apartment XX/XX/XXXX with a friend. I moved out of the apartment in XX/XX/XXXX. However, my friend stayed in the apartment. I went to the main office and requested my name to be removed from the lease, I was told that everything will be OK and my name was would be removed. I later found out that my friend was behind on the rent and my name was still on the lease. Since I 've already moved out of the apartment and requested my name to be removed from the lease I am not entitled to this amount. I would like to get it removed from my credit score because it is affecting me. I am not able to get a loan for a mortgage, and buy a house for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Describe what happened so we can understand the issue ... 
I was client from XXXX XXXX XXXX XXXX, were I took a loan to purchase a vehicle in XX/XX/XXXX. 
My payment were always paid on time. Later in XX/XX/XXXX XXXX XXXX XXXX XXXX, were underinvestigation from the XXXX County Prosecuting office for money laundering. XX/XX/XXXX, a company called XXXX XXXX, contacted me via phone explaining that they 've purchased the right to collect the remaining balance of my loan which it was a little over {$9000.00}. They also explained that two payment were never received by XXXX XXXX XXXX XXXX, in the amount {$1000.00}. I spoke with XXXX XXXX, and explained that my payments were up to date, and they refused to accept my receipts to show proof of my payments. I was still in communication with XXXX XXXX, to forward proof of my payments via fax. While in communication they dispatched a tow truck company a week later to repossessed my vehicle in the middle of the night. This was XX/XX/XXXX. My kids XXXX gifts were in the vehicle and XXXX {$1.00} XXXX silver coins, given to my sons as a gift from their grandfather which were stolen from inside of my vehicle by the tow truck company together with my kids XXXX gifts. I contacted XXXX XXXX, in the morning and they said if you do n't pay the {$1000.00} we will put the car in a auction. The tow truck company charged me {$750.00} for over night storage which the vehicle was only there for less than 5 hours. While trying to recover my vehicle in the morning I was forced to pay {$1000.00} + XXXX totaling {$1800.00} dollars. I recently checked my credit report, and found a negative nonpayment and delinquent report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have contacted Equifax and I have sent them documentation showing that the creditor gave the wrong information on the judgment and they have refused to remove/or update this on my credit record. The creditor XXXX XXXX had a property management company XXXX XXXX XXXX to manage his home. I got behind on rent in XXXX of 2010 and they filed an eviction. I paid the rent and all other fees on XXXX XXXX, 2010 the property managment company acknowledged when it was paid and reflected the correct date on the information that they sent me and to the courts. The credit bureaus are refusing to update the correct information and is causing my credit history to reflect negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Since XXXX of XXXX, we've been charged either late fees or interest charges due to CapitalOne 's unfair, deceptive and abusive act towards it's clients. I will provide the specific dates and amounts below, but wanted to first share with you the issue. We are scheduling our payments through the CapitalOne app on our mobile device every month. The payment date we enter is the same date as the payment due date. CapitalOne is not processing the payment until the following business day, which is resulting in late fees and interest charges. This is beyond a UDAAP violation ... it is punitive and CFPB not only should be aware, but it should take action against CapitalOne. If this does not get resolved quickly, I will be seeking legal counsel to file suit against them. Here are the dates and amounts : XX/XX/XXXX - Late Fee : {$27.00} ; Interest Charge : {$75.00} XX/XX/XXXX - Interest Charge : {$61.00} XX/XX/XXXX - Interest Charge : {$110.00} XX/XX/XXXX - Late Fee : {$19.00} ; Interest Charge : {$140.00} XX/XX/XXXX - Interest Charge : {$100.00} XX/XX/XXXX - Late Fee : {$38.00} ; Interest Charge : {$75.00} XX/XX/XXXX - Interest Charge : {$39.00} XX/XX/XXXX - Late Fee : {$38.00} ; Interest Charge : {$87.00} XX/XX/XXXX - Interest Charge : {$37.00} XX/XX/XXXX - Late Fee : {$38.00} ; Interest Charge : {$67.00} XX/XX/XXXX - Interest Charge : {$47.00} Total Late Fees : {$160.00} ; Total Interest Charges : {$850.00} Total combined fees : {$1000.00} I spoke to two pleasant colleagues from Capital One on XX/XX/XXXX ; at approximately XXXXXXXX XXXX PST - XXXX from XXXX, DE ; and then I was transferred to supervisor XXXX from XXXX, FL at approximately XXXX XXXX PST when XXXX was unable to fully address my complaint. I asked XXXX to escalate this matter further, and she said there was nothing else she could do. 

I have attached to this complaint the online payment process, and this is what we've followed the entire time. As you will see, we've selected the due date as our payment date every month. This can all be tracked by CapitalOne, which makes it even more egregious on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My deceased mother 's past due credit card has been put on my credit report in an attempt to come after me. Her estate is in probate and everybody will get paid when the estate settles unless her creditor refuses to get off of my credit report and continues to cause me to be denied credit. XXXX deleted the account off of my report based on my information. Equifax refuses to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: ZENCO COLLECTION, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX @ XXXX CST I received a call from XXXX XXXX who transferred me to a XXXX XXXX XXXX Zinco Collection Agency . Not sure of the exact spelling. I advised I needed to call him back after XXXX today. I called back at XXXX and asked for XXXX XXXX , another gentleman answered. XXXX XXXX then got on the line and explained I owed {$9600.00} for a XXXX XXXX opened in XX/XX/XXXX and closed in XX/XX/XXXX. I stated I never had such card and advised him he was mistaken. After @ 27 mins conversation he finally stated he recorded our call towards the end. I told him that was not legal and he should have advised this in the beginning. I asked for a XXXX # he never provided it. When XXXX XXXX initially called me she said she was calling on Case # XXXX. She did not state anything else and transferred the call. I never had a XXXX XXXX. XXXX XXXX also had personal information SS #, former and current residence addresses. Threatened to cease all bank accounts effective XXXX on XX/XX/XXXX. I again explained I would need to find an attorney to dispute the charges. XXXX XXXX became offensive and continued to state my accounts would be ceased effective Wed XX/XX/XXXX. My concern was his knowledge of information and his " collection methods '' I asked for written documentation to be mailed so I could validate the alleged debt, he clearly indicated he could not provide such, he was only here to collect the debt! This is unprofessional and uncalled for. I wanted to submit an official complaint for 1 ) a debt that was not mine 2 ) the methods used, 3 ) harassment on the phone 4 ) etc..

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 2016-10-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Experian CRA on multiple occasions regarding a collection reflecting on my personal credit report from " XXXX XXXX XXXX '' that I am no longer responsible for post a divorce. This particular account was assigned to me during chapter XXXX bankruptcy proceedings and subsequently I was dismissed of this liability via a divorce an my spouse received this property. I have disputed this account for the past 18 months with Experian an they wo n't remove this negative mark. I have provided documentation and contacted " XXXX XXXX XXXX '' on several occasions with negative results. The account number is # 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 non-monetary relief
Consumer complaint received 2015-07-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The information for consumers about contacting credit bureaus is almost worthless because the XXXX bureaus are primarily using this avenue to sell credit monitoring services. For example, Experian will only offer a consumer credit monitoring services or a credit freeze/unfreeze if a consumer seeking a 7 year fraud alert telephones Experian at XXXX XXXX XXXX XXXX per the CFPB 's webpage at XXXX. Plus, the online process to obtain annual free credit reports does not work although this is the mechanism the credit bureaus use for consumers who want a credit report after their credit card is hacked if the consumer has not exhausted the free annual credit reports ; either a consumer must submit a complicated written request for the credit reports or find a " back door '' at each of the XXXX credit bureaus ( e.g., a " trial '' subscription to Experian 's " Report and FICO Score '' service, which was accessible to me online for {$1.00} even through Experian required lots of paper documents from me to obtain my free annual report ). 

Incidentally, my Experian report number was XXXX after my report of credit fraud, and my Experian " Report and FICO Score '' membership number was XXXX. I have attached screen prints of my experience with the XXXX major credit bureaus to document that the online process and the CFPB 's information for consumers does not work well for consumers seeking a fraud alert after their credit cards are used fraudulently. ( My report of identity theft to the FTC has reference number XXXX. ) Please try to improve this system for other consumers. Fortunately, I am okay. 

Sincerely, XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I submitted a fraud dispute on XX/XX/2016. Equifax actually deleted the account from my credit report but Experian failed to conduct a proper investigation and the account still remains on my credit report. It only took Experian two days to complete my dispute request and states changes were made to my report but the account is still there without any changes.

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 2015-07-06
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have paid this tax lien in 2014 and it is still is on my credit report. It started with an over payment from employment department, which was paid back by taking part of my tax return. My bankruptcy attorney told me this. I have called on this but keep getting the run around.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have XXXX judgments listed on my CR with Equifax. I was involved in a lawsuit that involved Equifax reporting judgments from Virginia XXXX inaccurately/ The judge ordered that Equifax completely REMOVE these items completely. My first dispute they updated them all to Satisfied. Then I sent the court order and settlement documents from court in and they still refused to removed these items all which were paid and vacated. So I disputed them again and they changed the satisfied to Pending UNpaid. I tried calling and the lady was rude and unhelpful. Furthermore Equifax lowered my score cause I kept disputing. I have a court order for these XXXX judgments to be removed and they wo n't do it. I had no problem with XXXX and they deleted them within 3 days. Equifax is not following judges order for deletion which is why they were sued to begin with due to improper reporting. These judgments have greatly affected my scores and caused me to be denied on a mortgage I would have been approved for if those judgments were gone. I faxed them over XXXX pages of documents and they now reported it negative again. What can I do? My disputes as follows XXXX XXXX XXXX XXXX This is ridiculous and their stupidity caused me to lose my home buying power.

Company response to consumer: Closed with non-monetary relief