BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called Experian about how to go about taking my name off my husbands credit card, I explained ( with my husband sitting there with me ) that I have my own credit card ending in**** credit limit XXXX my husband has his own card ending in**** my husband said his card came with my name on it and he didnt know why and to take it off because I had my own. The man informed me to file a dispute that he did for me over the telephone. When I checked the results I realized he took my card off my credit so I called XXXX XXXX tried to explain the situation I was sent to the fraud department I explained that Experian took the wrong credit card off my account the one that was taken off was my card I was told the card is marked as fraud I can reapply if I want but the card I was calling about is fraudulent.I gave the all my info to verify who I was and was told nothing I could do, I asked how to make a payment because I have one coming due and I was told I couldnt make a payment because its a fraudulent card ... I called over 5 times trying to talk to someone I explained to these people there was a mistake on my card its not fraudulent its mine. I was hung up on several times I was told to fax a notarized letter with 2 ids saying it wasnt fraud ..I called to see what I could send because my social security card hasnt came yet and was told by a man that I could not fax it I have to mail it he gave the address but wouldnt tell me who I need to send it too he said it wasnt the fraud department but a different department he couldnt give me a direct number because he said there wasnt one and he said he would transfer me after the second time being on hold I was hung up on again I am so angry that I cant anyone at XXXX XXXX or Experian to listen to me I have phone records to show all the calls I made to these people .what can I do?

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 2022-10-13
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The information XXXX XXXX XXXX of {$5500.00} from XXXX XXXX XXXXXXXX XXXX XXXX is incorrect and should be deleted from my credit report. This matter has been resolved in court. Please see attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: MST Financial Services, L.L.C.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
While on vacation I had to visit an out of XXXX XXXX XXXX XXXX XXXX, ID because I needed an XXXX. It was a work related injury so all hospital bills went to XXXX  XXXX XXXX XXXX XXXX. The imaging department of the hospital made a mistake and incorrectly billed me for {$140.00}. I called the hospital and gave them the phone number, case number, and claim representative. I never heard from them again until I received a notice in the mail followed up by a call from the debt collection company Chapman Financial Services , Inc. Once again, I explained the situation and gave the person on the phone all of the relevant information. She seemed fine with the information provided and months went by with no notice. I thought everything was taken care of and I never received another communication regarding the matter. However, recently I purchased a car and noticed that Chapman Financial Services , Inc. put a " collections '' notification on my credit report. I called them and let them know that this was a XXXX XXXX XXXX XXXX XXXX bill and that it did not belong to me. They said they were unable to get a hold of my claim agent and so the debt therefore belonged to me. They refused to look into it further and said my credit would be damaged unless I paid. I have never made a late payment in my life, so I was scared and paid them to make it go away. This isn't fair because it isn't my debt and I did nothing wrong!

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 2020-03-06
Company: NAVY FEDERAL CREDIT UNION
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Starting the XX/XX/2016, I fell victim to a fraudulent Binary Options companies named XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( the Companies ). Money was transferred from my account to the Company via credit card for a total amount of XXXX USD utilizing Navi FCU services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ERC [ ENCHANCED RESOURCE CENTERS AT XXXX XXXX XXXX, XXXX, FL XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$880.00} THE COLLECTION HAS BEEN REPORTED AS PASTDUE BALANCE.I DO NOT KNOW THIS COMPANY, I HAVE NEVER DONE BUSSINESS WITH THIS COMPANY, THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE ON IT ......

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: AmeriHome Mortgage Company, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am a new homeowner who has had my mortgage for almost 2 years. Amerihome mortgage company has gotten my tax payments incorrect for the last 2 years. I recently refinanced because they were unable to correct the issue which resulted in them issuing me an overpayment in escrow and the city was overpaid taxes which resulted in them issuing me a check for over XXXX. This year the same problem is occurring I have sent them 5 copies of what my tax bill should be for 2021. I have emailed the escrow team on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Each time they ask me for the same information that has been provided because they have my 2021 tax payment being over {$6000.00} this has resulted in my mortgage payment being well over the amount I refinanced at. With multiple calls they are unable to correct the issue and I worried that the issue will result in me needing to refinance again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: Collection Bureau of America Ltd.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
in XXXX XXXX I signed for water delivery with XXXX inside XXXX warehouse. 
XXXX delivered the cooler & water, pluged the cooler next day and smoke came out of it. 
placed it in my Garage, called XXXX for replacement with no luck. 
in XXXX their driver was passing by when I opened my Garage to leave for work, and ask me if I need more water, I said no, but you might be able to fix the issue with cooler. 
he plugged it in & fix the issue. 
few day later I received A bill even though my past bill was paid in full & I did not get any more water, because cooler was not working. 
I did ask them to come & pick the equipment, the driver came to my Garage without my knowledge & took the cooler. 
I did not get a credit for my empty bottles and also for the full bottle was with the cooler. 
XXXX gave my social to XXXX and together they send my file to a collection agency for {$65.00} dollars. 
collection is for using the cooler which did not work, also statement fee that XXXX kept sending to accumulate more charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 Days late?

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 monetary relief
Consumer complaint received 2018-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
TransUnion keeps messing with credit score I have reported this. My score is XXXX now today I dont have a score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I filled out a web based application for a cash out refinance of my current mortgage. I was approved and XXXX XXXX called me and I worked with him through the process. The system was having issues and so the online application was not established until XX/XX/2020. I paid the {$500.00} fee that I verified with XXXX that if the loan was not approved it would be refunded on XX/XX/XXXX, XXXX.I was instructed to update my homeowners insurance to reflect XXXX. I was sent all the documents and disclosures. On the evening of the XXXX XXXX requested my bankruptcy discharge papers. They were submitted to XXXX on the XXXX, same day that XXXX scheduled my home appraisal. For weeks I submitted paperwork whenever requested and was assured from XXXX that everything was going smoothly and that it should be closing soon. When we got to the 60 day mark I wanted to know what was going on and when was the loan going to close, only to find out that because of the bankruptcy, which XXXX knew about from XX/XX/XXXX, that the loan could not be approved. It has been two weeks, and my money has still not been refunded to me. XXXX is not answering my calls or returning emails.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Have made several attempts to the 3 credit reporting agencies along with XXXX XXXX XXXX to notify them that I have been a victim of identity theft by my ex-husband. They continue to claim that the information has been verified. How can it be verified if I have enclosed my Identity Theft Report. and my consumer report is still not accurate. For that reason I have been unable to refinance on my home per the Final Judgement of the Dissolution of Marriage deadline. I will also enclose of copy of the judgement as additional proof that my ex-husband has agreed to pay that account. Their blatant disregard to my request has caused me to have been denied of financing. I am now demanding that the XXXX account XXXX be deleted IMMEDIATELY or I will have no choice but pursue litigation for the damages that has occurred to my livelihood. 

I am also requesting that all inquires be removed from my report IMMEDIATELY for I didn't provide written consent.

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 2018-04-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax Confirmation # XXXX XX/XX/XXXX has XXXX XXXX is over 7 years old and Equifax has the account showing by Equifax as XX/XX/XXXX with no activity and the account was sold. 
Eqiufax also has incorrect information as date reported XX/XX/XXXX last Activity showing XX/XX/XXXX by Equifax there was or no XX/XX/XXXX reports of no such account and as account history shows XX/XX/XXXX as last stated by EquifaxTo many errors on Equifax reporting methods and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: PRESTIGE FINANCIAL SERVICES INC
State: NC
Product: Credit reporting, credit repair services, 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:
ON XX/XX/2018 I WENT INTO XXXX   XXXX XXXX TO TRY TO PURCHASE AN CAR.I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CEDIT WAS RAN 8 TIMES. I WAS APPROVED THROUGH ONE LENDER XXXX XXXX BUT THREE WEEKS LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIMES WITHOUT MY CONSENT. THIS HAS DAMAGED MY CREDIT SCORE SOME MORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: SYNCHRONY FINANCIAL
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Every credit bureau report shows a debt owing to JC Penney claiming an amount of {$160.00} past due. I had a JC Penney credit card issued in XX/XX/XXXX (? ) and cancelled it in XX/XX/XXXX (? ). supposedly, charges were incurred on the account in XX/XX/XXXX. Over the past 3 years I have sent letters to JC Penney and Synchrony bank requesting documents to verify these charges are mine. They have never sent documents of proof yet they continuing to show negative data on my credit bureau reports.I stopped shopping at JC Penney in XX/XX/XXXX.

I wish for this negative information be removed post haste so the bureau reports reflect no account with JC Penney.

I am buying a house and taking out a mortgage. This bad information reflects on my credit rating and the amount of interest I will be paying for a mortgage loan. 

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 non-monetary relief
Consumer complaint received 2018-12-08
Company: Exeter Finance Corp.
State: NC
Product: Credit reporting, credit repair services, 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:
ON XX/XX/2018 I WENT INTO XXXX XXXX XXXX TO TRY TO PURCHASE AN CAR.I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CEDIT WAS RAN 8 TIMES. I WAS APPROVED THROUGH ONE LENDER XXXX XXXX BUT THREE WEEKS LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIMES WITHOUT MY CONSENT. THIS HAS DAMAGED MY CREDIT SCORE SOME MORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2600.00}, {$23000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

-- PERSONAL ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account.

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 2020-11-24
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I have a Good credit score at XXXX points. I have very little debt, compared to my income. I have only ever paid 1 account late, due to becoming XXXX, which caused that 1 account to go 6 months past due, more than 3 years ago. The XX/XX/XXXX agreed to guarantee my loan in full, in accordance with the Transportation Loan Guarantee program provided to people with XXXX, pursuant to the Rehabilitation Act of 1973. However, Navy Credit Union discriminated against me, due to my XXXX, by denying my auto loan application for arbitrary reasons of : 1. Too many recent accounts ( my recent accounts are as a cosigner destructing LLC debt to lower interest rates ) 2. Serious delinquency ( due to my XXXX over 3 years ago, and only on 1 account ) 3. Too many accounts with balances ( I only have 3 credit card balances ) 4. Ratio of balances to credit limit too high. I only have 3 credit cards with less than {$3000.00} in total balances ). 

The reasons for the denial do not accurately reflect my credit report, and credit score of XXXX. Furthermore, I appealed the denial seeking reconsideration given that the State of California, through the XX/XX/XXXX, is guaranteeing the transaction through a Federally mandated program for people with disabilities. 

Navy Credit Union ignored this loan guarantee information and denied my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Medical Business Bureau
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was checking my credit report and I noticed a few inquiries on my credit that I did not authorize. I noticed the issues yesterday while checking my 3-bureau credit reports through XXXX. I also noticed an account that appears to have been paid off or dismissed, but it is not an account that I authorized to be open. 

Accounts : XXXX XXXX XXXX - acct # XXXX - date owned : XX/XX/XXXX Medical Business BureaXXXX acct # XXXX Date opened : XX/XX/XXXX Medical Business Burea- acct # XXXX Date opened : XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX US Sm Bus Admin XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Greetings, I have previously contacted XXXX, XXXX, and Equifax informing the company that I have been a victim of identity theft/fraud. XXXX, XXXX, and Equifax are deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, XXXX, and Equifax to follow the law, they clearly feel as though the law does not apply to them. 

Remove the Derogatory account and all inquiries Please and Thank you

Company response to consumer: Closed with explanation