BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-25
Company: Experian Information Solutions Inc.
State: KY
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:
EXPERIAN OK A DEBT BY USING A THIRD PARTY THAT I NEVER GIVE CONSENT FOR AND I WAS DENINED THE RIGHT TO ASK FOR ORIGINAL DOCUMENTS ONLY WAS NEVER GRANTED THAT AND THAT IS CLEAR AS Day in the F.C.R.A AND SUBMITTED DOCUMENTS SHOWING THAT WAS A RENTAL AND I CAN RETURN IT IF IT IS DEFECTED AND THEY WOULD NOT PICK IT UP I AM A VETERAN WITH A SERVICE CONECTION INJURY THERE ARE TWO ACCOUNTS THAT THEY WOULD NOT TAKE OFF EVEN AFTER I SHOW THE PAPER WORK THAT THEY WERE PART OF my id theif and most of thew inquiers i contactd three out of 61 and they had no ideal of the inquir so that tells you that somone is adding iinquirerys to my report over and over and experian is pulling up closed accounts and listing them as missed payments and some were in bankrupcy years ago i would just like to know how many more times do they get to do what ever they want over and over i have proved with more then my fair share of a very costly ID theif this has been going on and on and on for almost three years eather sweep my credit file with all three bureaus or help me get another ssn i have had death theats over this it needs to stop there hurting me more then the id theif by not compliying to the F.C.R.A this is not right for a veteran to be treated like this i almost payed with my life for this country and now i have to fight harder in this country to try to get back what i had no control of losing in the first place

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 2022-01-13
Company: Freedom Mortgage Company
State: VA
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:
XXXX XXXX, I applied for Covid Forbearance- I'm XXXX, and a XXXX XXXX XXXX  That were oit able to pay rent- BUT I NEVER USED THE FORBEARANCE- all Payments On XXXX XXXXFreedom Mortgager ADDED {$49.00}, XXXX to my Loan Balance MY CREDIT SCORE DROPPED XXXX POINTS!!! I BORROWD NO MORE MONEY On XX/XX/XXXX I was able to get through to Freedom Mtg Customer Svc and Report the error- The Clerk on the phone saw it, said " XXXX '' and Escalated the complaint For te Next Week Freedom Mortgage denied the error was made On XX/XX/XXXX, I spoke to a Representative in the COVID Response Team that said " Oh Disd yiu not get the memo, a system error added balances to many COVID Relief Customer in error '' She directed me to the credit report where -- On XX/XX/XXXX XXXXwastaken off my loan balance... 

Two things ; If you Notice, there is a Difference of {$320.00} From what they added to my Loan Balance an whst was Credited Back AND MY DECIMATEDCREDIT SCORE, AFTER A MONTH is Unchanged!!! 

I've Sent Freedom Mortgage 6 Email requests, through their Client Portal, ti correct their errors, no response! 

Please Help! 



PS. Oh and, todsy, I notice on the Credit Report- Freedom Mortgage is reporting my Mortgage Balance has increased {$400.00} AND that my payment status has changed w a Derogatory for late payment history- I HAVE NEVER MISSED A MORTGAGE PAYMENT! ( nte, at one point there was an escrow discrepancy, that Freedom Mortgage recorded as a missed payment, I was Told that was corrected-, zt the time APPARENTLY NOT

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 2020-07-14
Company: EQUIFAX, INC.
State: AR
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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: CA
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:
Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( XXXX ) & 15 USC 1681i ( a ) ( XXXX ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( XXXX ). Please be advised that under 15 USC1681i ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.

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 2021-08-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed erroneous accounts present with Equifax, XXXX, and XXXX  for many months with little response from the credit bureaus. This is a violation of the Fair Credit Reporting Act and the accounts listed in the attached letters should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: United National Services
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 30 days late payment on the dates XX/XX/2017 to XX/XX/2017. 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 response to consumer: Untimely response
Consumer complaint received 2021-09-13
Company: EQUIFAX, 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:
Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2020, I had a large bill which I knew I could not pay, so I decided to switch off autopay and pay a smaller amount. I canceled my automatic payment on XX/XX/2020 ( email confirmation attached ). On my due date I attempted to pay online, but it said a payment was already in process for the entire amount. At this point I was a bit out of it, as I was recovering XXXX and figured that I had forgotten to cancel the autopay - though later when looking through my emails, I discovered I actually had done it. 

I called in that day, the day of my due date, and attempted to make a payment. They refused my payment, saying my old one would have to be returned. I called in about a week later and they AGAIN refused payment, saying it still hadn't been returned, despite my bank saying otherwise. Unfortunately, it seems that some sort of bug in your software prevented this payment from actually going through, despite me receiving a confirmation. I unfortunately did not receive notice until late XXXX, when I received a stack of about 10 identical letters, telling me that the payment failed due to " Unable to locate external ''. I immediately remade the payment again including the upcoming required payment, which went through. 

I eventually made a payment on XX/XX/XXXX, when the system finally let me. Unfortunately this was returned for some reason, despite me having money in my account. Over a month later I received a stack of 10 identical letters, all telling me the transaction failed " Unable to locate external ''. At this point I immediately paid Barclays, but it was over 30 days late, and my credit report was affected. 


Despite my assurance that my account was past due and the original payment would be returned, Barclays refused my payment on multiple occasions. The original payment should not have even gone through, as it was canceled. Had I not been so XXXXk I may have been able to thread the needle pay after they finally let me, and then babysit that payment, but unfortunately I was quite XXXX  and having multiple XXXX XXXX XXXX XXXX  and was not able to fully concentrate on this. I had hoped that making a payment would end up being simple, but there were quite a few issues to navigate, which I was not up to at the time. Making a payment should not be this hard. 

Thank you for your time

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 2017-07-31
Company: MIDCOUNTRY FINANCIAL CORP
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX {$5000.00} Under the Soldiers and Sailors Civil Relief Act I contacted XXXX XXXX in  XXXX 2012 to notify them I was going on a XXXX and submitted the regard documents. The company fail to honor my contract under the Soldiers and Sailors Civil Relief Act while being XXXX to XXXX and the clause of the contract that I paid extra fees in case I got injured. I got injured in XXXX and the company fail to honor the clause of the contract as well. As a veteran I contacted to the company to retrieve some information about my account and why they did n't honor the Soldiers and Sailors Civil Relief Act as well the clause of the contract and someone hung the phone up on me. This company continue to this day to report false information on my credit reporting file as a charge off causing me financial difficulties. XXXX XXXX {$0.00} Under Soldiers and Sailors Civil Relief Act XXXX XXXX also fail to suspend my account while serving in XXXX that led to additional charges that we made on my account without being notified. I file a complaint with the BBB and the XXXX XXXX. stated to me that they have no record of me coming into there establishment to cancel my account and that they normal shred the documents the same day. I stated to the rep. I came me as customer and submitted the proper documents why should I be held accountable and not your rep. He simply stated to me that it 's not his business fault it 's mines and send him a copy of my orders. I simply responding by saying " You let fraudulent activity continue on my account for numerous months and fail to reach out to me but soon I come home from a 12 month XXXX I have a bill that 's in collection from XXXX XXXX '' after I came into your establishment and provided the proper documentation. Now I have to contact the XXXX XXXX XXXX and track down some orders from 5 years ago. I do n't think that 's fair for any service member that 's serving overseas to come home and receive a letter stating you owe and debt that you were n't aware of when you simply done the right thing. I paid the account and brought it to a XXXX balance in order to close on my home because, I did n't want this to affect my credit file but I want XXXX to remove this from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
i got phone from XXXX in XX/XX/XXXX, i lost that phone and then got a new one under my moms name. these people kept harassing me calling me and sending me mails to my home, it was under the name of another company and then they put that on my credit and my credit went down by a lot of point, i disputed this with XXXX and then took it out of my credit and it was no longer there, then on XX/XX/XXXX i see this again on my credit and my credit went down by 52 points!! this is unbelievable and its a bother company with a new name!! this was in XX/XX/XXXX and they keep harassing me!! im tired it took me a year to get my credit to XXXX points and these people keep playing with my credit. i spoke to XXXX and they said they dont know why these people keep doing this 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 explanation
Consumer complaint received 2018-01-12
Company: EQUIFAX, INC.
State: CA
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:
XXXX 2017 I surrendered my vehicle to XXXX after they refused to provide and disclose account details in writing. I specifically requested a history of how my payments were applied to the loan. desiring a breakdown of interests, principal fees or charges. 
I was not receiving billing statements and was blocked from online access due to my payment being late. the phone recording stated my balance was higher than the original loan purchase after paying for 2 years? questioning how this may have occurred, I submitted multiple requests for records nothing was ever provided. the only info I have to go one is what is being reported to the credit bureaus as an outstanding balance. if the vehicle was sold I was never notified as required by law. there is no proof of when, how or what proceeds they obtained from the alleged sale or how any deficiency balance was calculated. my credit report is being illegally re-dated as if this incident just occurred, the balance has decreased and increased back and forth monthly. I have been supplied with no proof of anything to date. my disputes with the credit bureaus results in the account either being verified or updated to show that I recently missed a payment which is all false. I receive both auto dialed and recorded messages constantly harassing me on my cell phone and at work. XXXX has been very deceitful in their business practices an violates bot federal and state laws.I have seen that other consumers are experiencing same issues with XXXX. I may need to take legal action to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes by means of a Credit Repair Organization on XX/XX/2019, Experian has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days.  Please see items below ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX not mine XXXX XXXX XXXXXXXX not mine

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 2021-09-10
Company: EQUIFAX, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
I submitted a Complaint about a month ago asking to please provide my updated credit score report on all bureaus and nothing was done about it. im still not able to see my updated credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
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: Account information incorrect

Complaint:
I paid my XXXX XXXX XXXX XXXX on time and I gave documentation to confirm that it must have been an mistake made in the crediting of my account. I would like my credit report to reflect that I have been paying my XXXX XXXX account on time.

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 2018-11-29
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I recently received forms from XXXXXXXX and XXXXXXXX representing Discover Card. They had a judgment against a few years ago, and now they have a second one against me. I had to fill out an itemized form of all of my assets, bank account and income. 

I was never told they were going to do this, because last time I had a case with the cfpb under XXXX there were several cases opened. To stop the judgment and debt. I notified them in XXXX that all I get for income is XXXX, XXXX a month, and medical from the government. I give XXXX every month to XXXX XXXX to pay the cell phone bill XXXX, and the tv bill XXXX the rest is used for whatever bills he needs to pay. We are not married, I changed my name in XXXX to have the same name as my son, and XXXX was fine with that, I have the judge signed copy. Everything like the house and cars furniture washer dryer, kitchen appliances, anything like that he owns and has paid for. I own nothing except under 300 dollars worth of things. I have XXXX in rings, XXXX in facial wash and cleansers, XXXX in shower and bath products, a necklace chain XXXX on XXXX and a couple of pendants XXXX and hair and nail products. that is it. I have XXXX for the month from my XXXX, and that's it. I cant purchace much at all. Thatls all l live on for a month. He will help if he needs to. I don't understand this because I was told by Discover that the debt was charged off, the judgment was taken off and XXXXXXXX and   XXXX no longer had the case. So I don't understand how a lifetime judgment is being put against me, I will never be able to get married, or, bye anything or have anything that is mine. I feel XXXX from this and my XXXX  are getting worse which is what my XXXX XXXX is. Since XXXX, I have been trying to find a doctor to help me, but none can so far. So I am on XXXX for the rest of my life, and can not afford to pay you anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I disputed four old charge off accounts with Navy Federal that are past the statue of limitations with XXXX credit bureau. XXXX upon completion of the dispute deleted the accounts. Navy Federal Credit Union reinserted the accounts in violation of FCRA after having been deleted from my credit report for months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter from Transworld Systems and  a treath for wage garnishment for something I dont have a record that I owe money. I have no idea who they are at why am I being harassed by these company?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was a student at XXXX college from XX/XX/XXXX -XX/XX/XXXX, I was given false information by recruiter stating the school offer job placement and would pay for students to receive state certification, which did not happen. I was contact XX/XX/XXXX by XXXX XXXX offering my loan to be put in the loan forgiveness plan using the income driven repayment option, and since then my account has accrued more interest which is ruining my credit by report false information to credit bureau which caused me to be denied when trying to refinance my home, while speaking to the gentleman he informed me that the school was still receiving founds for me in XX/XX/XXXX but I had graduated 3yrs prior, he told me, I need to fax a copy of my diploma showing when I graduated and they could look into it, I fax a copy and never heard anything back I tried several times to contact someone from the agency, but was place on hold until had to disconnect the call or hang up on me when I call to get information.

Company response to consumer: Closed with explanation