BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-17
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I actually have XXXX to file : public record too. I 'll do that next. I was fraudulently reported by XXXX XXXX of XXXX in XXXX, OR for not paying one of my rent installments. I was double charged when I moved in paying {$680.00} ( included in the first installment along with a {$35.00} screening fee and {$150.00} security deposit in a check from my college XXXX account - XXXX ) XXXX XXXX, 2014. Then I was charged another rent of {$680.00} 5 days later which I was told it would all work out when I moved out showing that I paid the correct installments. They are telling me now this is not accurate and insisting I have to accept the terms of a five day payment for full rent in XXXX instead of one of my top installed agreement payments.

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 2022-10-18
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$1000.00} ) .. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian has locked me out of on line disputes. The only explanation I get that an account number associated with my social security number is verified as my account. I have sent court documents that verifies that this mortgage loan belongs to XXXX. I have never had or filled any paperwork for an individual account with XXXX XXXX. It has been 6 1/2 years and I have disputed it since this company started reporting erroneous information on my Experian Credit Report. My last document the end of XXXX is a District Court document showing case information, cause number, defendants, when it was filed the docket type, ( several defendants due Texas laws that if a person dies without a will property will be divided between children and spouse. ), case history by date, and an agreement that case is disposed due to estate has no value. It is unbelievable that the credit agency that destroys the ability to get a job, car, or home will take information from some company or person that could realize or not know the major impact erroneous negative reporting does to families. For me how does a company override court documents that clearly identifies that XXXX XXXX has not owned or a part of this mortgage loan since XXXX/XXXX/2013. That the case has an agreement and the estate has no value and it is disposed. If someone could let me the details of how a company can report when they are not involved and how they can report since there is an agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I disputed XXXX items under the XXXX law. All disputes were notorized and sent certified mail over a four month period. I never received copies of the original applications to these accounts as the bureau is suppose to have on file, and said items are still on my report against the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
They sent me an email that says to " click here '' to see the results of my dispute. Then it does n't show it to me. This is very frustrating and when I try to go somewhere else on their web site they try to sell me things.

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 2022-10-18
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX opened XX/XX/2017 XXXX {$360000.00}.

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 2016-11-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
Due to the information listed on the usa.gov/credit-reports page, I believed that I was entitled to a free credit report from Experian.com ; when I attempted to sign up for an account on their site and realized they were trying to charge me money, I actually aborted the sign-up process and did not complete it, but they nevertheless have been charging a monthly fee of XXXX from my credit card for months while providing absolutely no service or information in return. 

I was never given a score, report, or credit information of any kind, by email, paper mail, or any other means. 

According to the Experian customer service line, there is a page somewhere on the site that will allow you to get your yearly free credit report, but it is deceptively hidden away in an attempt to bait people to sign-up for the subscription on the front page by mistake. 

Such an untrustworthy site should not be advertised on a government webpage.

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 2022-10-18
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was 1 month past due on my VA Loan mortgage and already spoke with a Navy Federal Credit Union representative, that waived my late fee for XX/XX/2022 mortgage. He saw I've NEVER been late on a mortgage payment in the over 4 years of this mortgage. He also directed to Navy Federal 's website for possible solutions, to include a packet to look over options. Great and helpful employee.

Navy Federal 's collections department, also got involved, AS IF I was in foreclosure already. They even made it very difficult to make a payment to their mortgage department, TO BECOME CURRENT on the VA LOAN. I was fortunately able to reach a representative to take my payment for both XX/XX/2022 ( past due ) & XX/XX/2022 ( not past due, when payment was made on XX/XX/2022 ). For my mortgage, I have until the XXXX of every month to make a payment before it becomes " past due ''. I am now " CURRENT '' on my mortgage. 

Navy Federal collections department starting with sending multiple " certified '' letters, for me being only ONE MONTH past due. The most recent " certified '' mail from them was a packet about avoiding foreclosure. I was informed that a mortgage DOES NOT enter into foreclosure proceeding until 6 MONTHS past due. I was only 1 MONTH past due. The mail was a packet date XX/XX/2022 ( well before my XX/XX/2022 payment & ability to pay the past due amount. 

I even received a " certified '' letter prior to this in XX/XX/2022, already mentioning that I am past due. I spoke to a representative already and now " Loss Mitigations '' is getting involved and trying to block access to make a payment? I was not even given the chance to become current by the XX/XX/2022 mortgage payment. Horrible tactics by Navy Federal Credit Union on a VA LOAN. I've also come to understand they have outside investors that financial interest, even in Navy Federal VA Loans.

Please investigate Navy Federal Credit Union 's collection tactics. I may also take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have submitted the following accounts as fraud to experian as well as to the agencies. I have attached the ftc id theft report that was previously filed. Even with this, the accounts and credit inquiries remain on my account. These are not my accounts, i have not done business with these companies and the accounts are fraud. 

Accounts : XXXX ( I am working with the fraud department, but they have been unable to send me anything that would validate this being anything other than fraud ) XXXX ( XXXX.asked multiple times for validation. have cretified letters and signatures. nothing supplied ) XXXX ( XXXX. has sent a bill with a phone number that is not mine. sent mltiple letters certified with signatures, also filed on this site complaints ) XXXX ( Sent multiple requests to try to get validation. no letters responding from them. they tried to sell to collection agency, but the agency has removed collections based on the fraud ) and for inquiries : XXXX I have sent a letter to them informing them of fraud. they have not responded. this is not my account, do not have an account with them.

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 2022-10-18
Company: Experian Information Solutions Inc.
State: NY
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.

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 2022-10-18
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a fraudulent account reported as collections for {$200.00} on my XXXX credit report. The company is called Receivables Performance. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: MD
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Recently while conducting a monitor of my credit report I discovered that Key Bridge Medical Revunue has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Key Bridge Medical Revenue but I am unaware of the amount due and your bill does not include a breakdown of any fees.Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to Key Bridge Medical Revenue to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more that Key Bridge Medical Revenue is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: MI
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 was laid off in the beginning of COVID 19. I contacted XXXX XXXX around XXXX and agreed to file natural or declared disaster. I was told to return the vehicle and they would close the account and wave the amount still due. Since then, they have not only took my state taxes on a closed account but also posted on my credit that it was a voluntary repo XXXX, and a voluntary surrender XXXX that's not what I agreed to. The balance is wrong. This account was closed XXXX in court. Case # is XXXX. XXXX XXXX has also pulled hard inquiries on my credit without my permission on thse dates XXXX XXXX XXXX, XXXX XXXX, XXXX. This account should've been removed on XX/XX/XXXX per court order. They should not have any access to my 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 2022-10-18
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Credit Karma, LLC
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:
Between the years of XXXX to recent ( XX/XX/XXXX ) Credit Karma provided me with approvals on credit cards and personal loans, however when I applied I was denied. This misrepresentation impactee my credit score by applying for credit I wasn't ever approved or pre-approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Radius Global Solutions LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe any money to the company in question. I do not owe the orginal creditor either. All balances were paid

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am a XXXX, my wife and I applied for a mortgage loan, we got a prequalification letter from a cornerstone loan officer ( XXXX XXXX, Tx branch ). We went over the process, we provided all document asked from us in timely manner. After about 60 days from the time we got a prequalification letter, the loan officer asked for one last critical document the day before closing, again the day before closing and we provided the document within an hour, then the loan officer assured me that everything was looking great. The day of closing, after couple months, the loan officer calls and say that they ca n't give us a loan. Now, remind you that took her 60 days, in which communication was horrible, could never get hold of loan officer. I have emails, text messages to prove everything I said. Not only that, when I was trying to transfer the file to a different lender, it was such a hustle, after so many attempts in the phones, I had to drive to their office ( cornerstone ), loan officer did n't even want to come out, she sends the file with secretary, not even the whole file, most documents were missing!! 
Very stressful, waste of time, money and even health

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
I have disputed an item on my credit report ( XXXX XXXX XXXX XXXX ) in XX/XX/2022. My bank and I pulled a copy of my credit report from TransUnion on XX/XX/2022. TransUnion is in violation of FCRA by failing to include a notation on the account that it is disputed or has been disputed. 

I also requested verification proof of their investigation and they refused to provide that information as well.

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 2022-10-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a fraud claim that took 9 months for my Best Buy card customer service to resolve due to a problem with their own agents neglecting their responsibilities which caused the process to take 4/5 months longer than anticipated. I just now tried to complete a transaction that was not approved due to insufficient funds come to find out that this same company charged my account {$1200.00} instead of the agreed upon payment of {$120.00}. This caused my account to go into a negative and also caused all of the other bills I paid that day to decline and caused me to incur additional fees for those overdrafts with my bank.

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 2016-10-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian continues to report unverified information and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Experian is in violation of this law.

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 2022-10-18
Company: Upgrade, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have an Upgrade card with a {$2000.00} limit. It's on autopay and I've never had any problems until I changed my phone number. I called to update my phone number on my account like I've successfully been able to do with all of my banking and credit cards... until I got to them. They asked me to provide a pdf format bill of my old phone/new phone number account. But I don't have it because I have a pre-paid account. You don't receive downloadable bills when you have a prepaid account. So, I took photos with my Upgrade account cards along with my driver 's license. They said it wasn't good enough. I took screenshots of my new phone account information which included all of my information and showed my new phone number. They said that is not enough. I then said, forget it. I guess I won't be able to get into an account that I am STILL making monthly auto payments for. Then, I asked if they could ( at least ) please remove the old phone number because I obviously have no access to it any longer. If that is my verification method and I don't have access to it, that's a security risk. Well, it's still on there. They will NOT allow me to update my phone number and therefore I have zero access to this credit account that I am still paying monthly. There have been numerous communications by phone and email. I don't believe it is right that I'm telling them I have no access to my old phone number and they leave it on the account anyway creating a security risk. Also, the rule that you have to have a downloadable pdf bill for your phone is ridiculous. I have EVERYTHING to verify who I am but that's the only thing they will accept. They're basically saying that if I don't have a contract phone or a landline, that I can not change my phone number with them and thus can no longer access an active account of my own. I need help.

Company response to consumer: Closed with monetary relief