vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Hi, I have contacted Trans Union XXXX XXXX about this same fraud account XXXX XXXX, on my credit report & they have not truly investigated properly. They continue to allow this 3rd party collection agency to report fraud on my credit report when it is illegal. The customer representatives I spoke to are rude, hard to understand & extremely insensitive & lack compassion. All the other credit bureaus have helped me with this matter & Trans Union is difficult & the same with getting false inquiries off my report, they make their dispute process so difficult & complicated for consumers, it's why I didn't join as a paid member again, as I am a member of XXXX XXXX XXXX because they truly work with you & help you get the results you need. Im attaching my previous complaints & reports with this complaint that they seem to ignore. The company XXXX XXXX XXXX has NOT legally validated this fraud account & yet keeps sending trans union the same copy of a bill any one could open a fraudulent acct. This fraud account has not been verified & it can't be, legally, & yet they keep reporting it as inaccurate with no contract between me & portfolio recovery & no contract even with the original creditor XXXX  XXXX, NO WET SIGNATURE. Trans Union is violating my rights by reporting fraud on my account from a 3rd party collection company more than 120 days!! This is truly unfair, It's a few hundred dollars, if it was mine I would have been paid, however, I refuse to be a victim of identity theft & pay some one else 's debt. THANK YOU!!

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 2021-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I disputed this Alleged Collection Account XXXX on XX/XX/2021 I requested : ( 1 ) a copy of every contract and/or agreement, including, but not limited to, ( a ) an informed consent for medical treatment and ( b ) financial responsibility agreement, signed by XXXX XXXX XXXX and XXXX XXXX XXXX ( 2 ) a copy of all actual bills sent from XXXX XXXX XXXX XXXX XXXX XXXX with tracking numbers XXXX other proof of mailing ( e.g., affidavit of mailing by individual who mailed it ), ( 3 ) a copy of all pre-certifications and billings sent to insurance companies and a copy of all payments received from insurances companies for the alleged debt, ( 4 ) a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ( 5 ) a detailed itemization of the amount that you are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs.

( 6 ) Proof that this debt was an alleged account described by Title 15 section 1693A ( 2 ) demand deposit, savings deposit, or other asset account That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA, including, 15 U.S.C. 1692g ( b ), etc. 

First, you have failed to obtain and send me verification of the alleged debt as required by law. 
Therefore, you have not obtained and mailed verification of the debt as required under the FDCPA. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. 

Second, you failed to cease & desist collection and delete your credit reporting of the alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person, e.g., a consumer reporting agency, credit information which is known or which should be known to be false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX  card please remove very misleading and deceptive, I want this removed not mine, I dont appreciate this bank being deceptive to there customers and when talking with them or trying To understand any information its like dealing with a scammer and I want this off my credit report its a credit card called reflex from XXXX XXXX last four of that card number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts : XXXX Balance {$0.00} Opened Date XX/XX/2017. 
XXXX XXXX  XXXX XXXX {$0.00} Opened Date XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
This is about a Credit Card Debt with Capital One that was sold to XXXX. These people repeatedly called my phone several times a day. They called family members asking them to verify my Social Security Number and posted a second complaint, and summons to go to court on the front door to my residence. Presently I am disputing this debt with the bank and even offered to pay them the purchase amount of the debt and court fees because I should have monitored my credit report appropriately. Since I had no other credit, live in public housing, am on XXXX and collect Social Security I told them I would pay them for expenses they incurred. Instead they are asking the court to make my pay the debt with interest, court fees, and the amount of the debt I am disputing with Capital One Bank. They are asking the court to force me to pay them out of my Social Security Check and VA XXXX payments which total {$1900.00} a month. Half of my benefits goes toward rent and the rest is for food, utility, and medical expenses not covered by the VA. XXXX XXXX attorneys are asking that I forgo medication and / or food but instead pay them with interest on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I contacted Capital One Credit Card Company and XXXX Credit Card Company when I became unemployed during the pandemic since I lost my job due to covid-19. I contacted both companies as they requested to update them with my financial status every couple months. Both company, allowed a short forbearance and decided to report my account to the credit reporting agencies when I could not pay the monthly amount they sent. I could not pay for the credit cards and asked for forbearance until I can find a job and pay my bills. Prior to the pandemic, I always paid my credit cards on time without any issues. I am devastated that as a former loyal customer of both companies they can not work with me during my time of financial family devastation. Although I am still looking for full-time employment, both accounts are now in collections on my account. As a single mother, this is devastating as I try to get my life back together and provide for my family. This betrayal has brought me to tears, keeps me up at night, caused my XXXX, and makes me feel like a complete failure. They have sent my accounts to collections which has decrease my credit score and has a negative collection mark on my account. Please assist!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: WI

Complaint narrative:
The child support payments that I receive are deposited on to a Eppicard debit card by the state of Wisconsin. On XX/XX/XXXX I checked the balance on my card and discovered that there were 42 fraudulent charges to XXXX XXXX totaling {$330.00} between XXXX and XX/XX/XXXX and that the card now had a negative balance. It was clear that the transactions were fraudulent because I don't have a XXXX XXXX  account and I normally don't use the debit card for any online purchases aside from one or two specific places that I trust. I immediately called the customer service number listed on the card website. After waiting on hold for 62 minutes my call was finally answered by a woman with Eppicard. I explained the issue with the fraudulent transactions and I was stunned when she responded by being rude and accusatory, basically telling me that these charges had to have come from me or someone else I know. After answering all her questions she said they would have to close the account and issue a new card but it would be a {$15.00} fee to expedite the card to me. She then told me she would mail out a " fraud questionnaire '' to me which I'd get in 3-4 days and have to mail back. It would then take them 45+ days to conclude an investigation into whether it was or was not fraud!?! In the mean time, I am out XXXX XXXX because of the fraudulent transactions and the NSF fees that EPPIcard tacked on to the account! I have never heard of a legitimate bank or credit card company that operates this way! You would think that a legitimate card company would have a more expedited way to investigate and identify fraudulent charges! Most legitimate companies would have flagged these transactions as fraud to begin with! I logged on to my account today and see that the new card number is listed, but the XXXX charges, and the NSF fees are still on there. They even processed the XXXX transactions that were listed as pending yesterday! I don't feel that this has been handled adequately at all and I don't have faith that EPPIcard will do a thorough fraud investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Vehicle leased through GM Financial, 48 month lease matured on XX/XX/2021. The lease was paid in full in XX/XX/2021. Vehicle was traded into XXXX XXXX XXXX on XX/XX/2021. Sitting in the dealership I called GM Financial to obtain the payout and the transaction was finalized. 
When the check for the buyout was sent to GM Financial they refused it and kept returning it XXXX XXXX XXXX XXXX XXXX XXXX This was between GM Financial and XXXX XXXX having noting to do with me, my account to GM Financial was paid in full and closed. 
GM Financial took 3 months to finalize the paperwork with XXXX XXXX and in the meantime kept " extending '' the original lease. This was not requested, authorized or even necessary as I had already purchased another vehicle and the old vehicle was accepted as a trade in and payout provided. GM Financial extended the Lease by 3 months and each month kept reporting the payment as past due. reported past due. 
I tried on multiple occasions to have this corrected and GM finical instated that the past due amount was correct it is not. GM Financial has since processed the paperwork and finalized the buyout, I have received notification of same yet they are still refusing to remove the late payments from my credit history.

This has had a significantly impact on my credit scope, it has reduced my score by 97 points, which has in turn put a bad mark on my credit worthiness and creditors have decreased my credit limit reducing my score even more. I want these late payments removed from my history, as it is false information reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following account : XXXX XXXX XXXX {$100.00} Opened Date XX/XX/2019 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hello, So I spoke to my bank XXXX XXXX XXXX XXXX, and Transunion about an issue with a credit account that was removed from my credit report without my consent. 

I spoke to Transunion on XX/XX/2021 via phone and online about a remark on my account that dropped my XXXX XXXX by XXXX points. I asked transunion over the phone and online about the drop, saying there might be an issue with my XXXX  credit card. Transunion spoke to me and said over the phone they removed the remark. 

About a month later I noticed how my account for XXXX was back to my usual credit score, but my Transunion account had not returned to normal. I noticed that my credit card account was removed for some reason. I have been speaking to both Transunion and XXXX  about this, and have messages from XXXX  on their app. XXXX  has stated they reached out to Transunion and were told I needed to provide some type of reinsertion letter with my signature and other information on it, I am not doing that and making myself liable if there is some fault on one of these parties here. I spoke to Transunion about this, and they stated that XXXX  never reached out to them and started whatever reinsertion process. 

I have never told any of these parties to remove any account in my name, I still have my credit card and the account is open. I want a 3rd party to mediate communication amongst these two and please get this handled, that is it. I am not doing another round robin involved with this, because someone probably just made an error somewhere because I was concerned about a sudden credit drop. 

XXXX 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 2021-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: AZ

Complaint narrative:
Dear Sir / Ma'am : My loans were with XXXX after I earned my XXXX degree in XXXX. 

In XXXX, I joined XXXX full time. 

I began work toward my XXXX XXXX XXXX in XXXX. 

The XXXX program was inaugurated in XXXX, during which time, XXXX sold me to XXXX without my consent. I was in deferral for 2 years while attending XXXX XXXX between XXXX - XXXX. 

In XXXX, I graduated with my XXXX degree and went back into repayment shortly thereafter. 

For the 8 years that followed, XXXX obstructed my effort to move my loans to FedLoans, while collecting {$42000.00} in loan payments. 

I was able to move my loans to FedLoans in XXXX, with 11 years of XXXX service or 16 years including military service at the time. 

I spoke to a level II CSR at FedLoans in XX/XX/XXXX, and XXXX there, said my payments to XXXX satisfied the ( TE ) PSLF requirement and that my loans would be forgiven. He said to check back in XXXX. 

I followed up on that XXXX conversation in XX/XX/XXXX, and a different XXXX made me feel like a commodity -- 8 years and {$42000.00} truncated over a technicality, when I had been in federal service all during that time. 

As of this moment, I have 16 years with XXXX ( 21 years total federal service ) and have been paying on school loans since XXXX. I've been in repayment for my XXXX XXXX since XXXX which totals 13 years. 

I find it unbearably unethical that XXXX took {$42000.00} from me over an 8-year period ; that my loans have not been forgiven under XXXX and XXXX intends to sell me to yet a 4th loan servicer while my principle sits unmoved at {$55000.00}. 

Is there a way to inject justice into this equation? The damage inflicted upon me, my family and my future is indescribable. 


Please help, and sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX  card please remove very misleading and deceptive, I want this removed not mine, I dont appreciate this bank being deceptive to there customers and when talking with them or trying To understand any information its like dealing with a scammer and I want this off my credit report its a credit card called reflex from XXXX  XXXX  last four of that card 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 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
there is a collection on my report that is not mine, I have sent a letter in more than 45 days ago and have not got a response, It is stopping me from refinancing and causing me a huge headache.

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 2021-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
On XX/XX/2021 a collections company called Waypoint placed a derogatory mark on my credit report for a {$460.00} bill to XXXX communications. 

Having no knowledge of this debt, I called waypoint and spoke to an employee there who looked up the debt. She told me this was for another " XXXX XXXX '' with an address associated with a XXXX XXXX XXXX, UT address, of which I have never lived in. She then asked for the last 4 digits of my social security number and said that they didn't match the account in question.

I was then told to speak with a supervisor so that it could be removed. I've since called on 5 different occasions throughout the months of XXXX and XXXX to speak to a supervisor. Everytime I call there isn't one available, and even though I've left multiple messages, I never receive call backs. And this still shows up on my credit report. 

I've also sent a formal dispute through XXXX but they sent me a letter saying that the charges were " accurate '' even though they don't belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation