BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-05
Company: Experian Information Solutions Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or about XX/XX/2021 Experian was mailed a letter Notice of Dispute ; Demand for Validation and Proof of Claim. Stating Under the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), Experian is required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract. Experian sent consumer a letter XX/XX/2021 requesting that the reporting company XXXX XXXX and XXXX XXXX verify the accuracy of the information being disputed. XXXX XXXX requests and demands from XXXXXXXX XXXX XXXX XXXX XXXX verifiable proof of the " original instrument of indebtedness '' which is an original contract signed with wet ink between XXXX XXXX and XXXXXXXX XXXX XXXX XXXX also demands XXXX XXXX XXXX XXXX XXXX to produce the account and general ledger statement showing the FULL ACCOUNTING of the alleged debt obligation XXXXXXXX XXXX XXXX XXXX XXXX is attempting to collect ; signed and sworn by the person responsible with fiduciary duty to maintain these records associated with the account and having first hand- knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. Demanding the original instrument of indebtedness for visual inspection of XXXX XXXX original wet ink signature on the promissory note " application '' ( not a photo copy ). XXXX XXXX demands that XXXX XXXX XXXX XXXXXXXX XXXX  provide a statement admitting whether they are the holder in due course or whether XXXXXXXX XXXX is the servicer. This is not an attempt to not pay or avoid payment, but a conditional acceptance upon proof of claim. XXXX XXXX would like to settle the matter upon conditions previously stated within this statement. Experian provided a response letter XX/XX/2021 stating " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. '' In accordance with FCRA XXXX ( a ) ( XXXX ) This is NOT a request for a reinvestigation of the previous dispute. This is a request for a Method of Verification where the following items should be provided to ensure the validity and accuracy of the account ( XXXX ) with XXXX XXXX XXXX XXXX XXXX Provide any and all documentation used to VERIFY account ( XXXX ). On XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX sent a letter stating that they had completed the investigation and the items were not deleted, as requested. To be more specific, based on FCRA XXXX ( a ) ( XXXX ) ( B ), XXXXXXXX XXXX XXXX XXXX XXXX is required to forward all of the relevant information XXXX XXXX XXXX XXXX this CONDITIONAL ACCEPTANCE. 

Please provide consumer with all of the information Experian used for their investigation, as required by FCRA XXXX ( a ) ( XXXX ). 

Please reply within 15 days or delete the items, as originally requested.

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 2021-12-28
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/21 I received a letter for the reason for denial of my credit card application from Navy Federal Credit Union. Per the letter, I was denied due to High interest Rate loan Application, Insufficient tax assessed property value, too small property acreage and too many Fha mortgages. 
I would like for them to explain first why is my mortgage and home values and size is being looked at for a consumer credit card. Secondly I would like for them to provide where did they get value of my house and lot size from as this info is not on my credit report. Lastly I feel this organization are practicing discriminatory credit decision making as as previously I was denied due to not making deposits into my account with their bank. I only have one mortgage so I'm not understanding how I have too many.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-01
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In the past my credit card would show up on my credit report, however, I am no longer able to see it on any of the reports received from all 3 credit bureau.

All 3 credit reporting agencies say they havent received any information from Citi. There is a disconnect here and Ive tried every means possible to fix it. This issue started happening after I tried disputing a charge on my card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked all three credir bureaus to verify all the information on my credit report. They said they did but after I have done comprehensive research on my credit reports, I found inaccuracies even after the credit bureau did their research. Here are the accounts with inaccurate information : XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX XXXX Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX In accordance with the fair credit reporting act, converging accounts # XXXX, # XXXX, # XXXX, XXXX, XXXX, XXXX, XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: BROKER SOLUTIONS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Good Morning : I had completed the loan process with New American Funding for a condo at 10 % down. The loan was approved and as such, I satisfied all pre-pays to include inspection, appraisal etc. As a result, I received a closing disclosure less than a week prior to the scheduled day. New American comes back on the day of scheduled closing ( XX/XX/28 ) and indicates they can not process the loan as previously approved and would need 25 % down. I am seeking actual damages as well as compensation for the loss off opportunity on this property. 

Mortgage rep : XXXX XXXX XXXX Underwriter : XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a request to the Mortgage company and to all three credit reporting agencies to fix the credit report status of the home mortgage loans. I have been in forbearance status since XX/XX/2020 due to Coronavirus. I have been unable to receive a much-needed loan to help my XXXX  due to this reporting being negatively listed on my credit report. I have reached out every month to get this fixed with no results. I have requested my report to be correct numerous times. I was denied SBA loans because of these negative reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: U.S. BANCORP
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was sent a letter notifying me that US Bank had closed my credit card account after a thorough review. The letter indicates that Im in default under the terms of the CardMember Agreement. Per the default provisions, of the said CardMember Agreement, I am being accused of making false statements on account application or in the maintenance of my account, that my account is in danger of or being used for fraud, and Im not living up to my obligations under the said CardMember Agreement. I have had my card for awhile and Ive always made my payments on time. I have never been accused of crimes like fraud. Im an XXXX XXXX Retired XXXX Veteran. I take my responsibilities very seriously. Its a defamation of my character, and to be accused of being a criminal is sickening. While talking to Customer Service, I was berated and asked why I was making certain purchases. Im so disappointed with US Bank to question my integrity or flat out being a criminal. The letter sent to me didnt explain what I did wrong, but o have done nothing wrong. The Customer Authentication Department didnt have the courage to even sign the false statements in the letter. Very unprofessional and cowardly. By closing my account they have doubled the payment amount to XXXX. XXXX on a Veterans XXXX amount. I cant afford that amount 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 explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
3 of my credit cards are not being shown in my XXXX and TransUnion Credit reports. However they are being shown in XXXX report. 

When enquired with the credit card companies, they informed me that the credit cards are being reported. 

When enquired with experian and transunion they are saying they are not seeing the same. 

This might be because of names mismatch b/w the credit cards and what is in the report for experian and transunion. 

In XXXX report, however I see the both the names in listed names. Hence see the cards in the 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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are reporting as inaccurate and I dont own any accounts with these merchants and I request to have these unauthorized inquiries blocked and removed from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX |Original Creditor : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX - XXXX XXXX | Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are stopping me from the ability to get new credit cards, to get a house for my family, to get a new car, 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 2023-10-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX from the state of Connecticut along with me sent grands and funds to bring the loan current # XXXX. 
The lack of professionalism, communication and discrimination against my homeowners mortgage loan are delaying the process. XXXX and my self had reached out PHH in numerous times and weve been ignorance By the company. It is unacceptable, PHH has to return money back to my checking account and Phh had failed to work with me and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
They neglected to make a mortgage payment when the full amount of funds were in the account. They charged false late fees x XXXX. They also reported this as a more than 30 days late payment. All evidence is in a XXXX document that I will upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'll attach my identity theft victim affidavit from the IRS and my identity theft report from the FTC to this form. Multiple accounts compromised. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX And any other inquiry between XX/XX/XXXX to XXXX of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: Central Portfolio Control Inc.
State: TN
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX TN XXXX is trying to collect a debt of 1 month rent. 2 years ago I applied with them and was approved by XXXX office manager. The next day she was fired for fraudulent activities and I was never contacted about an apartment. I was told she was fired and that I would have to reapply and get another agent. I refused, then moved into another set of homes .A year later they are on my credit report for 1 month of rent because I didn't reapply but they kept my application money. I called and asked the OWNER HOW CAN YOU SUE ME FOR 1 MONTH OF RENT THAT'S ILLEGAL. I NEVER MOVED IN OR VIEWED A UNIT. MY AGENT WAS FIRED AND I HAVE A LEASE FROM MY NEW PLACE. I NEVER LIVED THERE. This is an apartment scam. I know of 2 other people who have had similar incidences.

Company response to consumer: Closed with explanation