BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-17
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:
I previously obtained a copy of my credit report and it showed that  XXXX  was a closed account with no balance as the car was sold there was a remaining balance of {$690.00} however  XXXX  sent the account to collection over a year ago. After my husband I divorced this account was keeping him from purchasing a home so he settled the account with the debt collection company and the balance reflected {$0.00}. However after a recent check of my credit the report showed a balance of {$1300.00} I immediately called the credit bureau informed them of the situation and they told me to contact  XXXX . I contacted  XXXX  and because it was sold to a debt collector I was told they no longer handle it. I contacted the bureaus again still no avail they just sent me an updated copy saying the account was verified and updated. I asked them to provide me with the documenation they used to validate this account and they refused, they then sent me another credit report that says my request was not specific enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: OH
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:
I noticed a hard inquiry from XXXX on my credit report that I did not do! I didnt apply for any services or products from this company! Its fraudulent inquiry please remove off of 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 2016-12-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My information was compromised and used to obtain medical and other things. I '' ve noticed collection accounts on my credit report that are fraudulent. I 've submitted information to the credit bureaus however they do n't really seem to care too much. They 've helped some but XXXX and XXXX.. just to name a few really do n't care. I battled XXXX about 2 years ago and have not had time to address this until now. Hoping this will bring some relief. Noticed fraud items beginning in 2014 but like stated earlier too much in life was going on. I received letters from Target for our prepaid card and XXXX XXXX so I figured it was from this but this was just something that might have released. No One knows who stole my identity bc no cameras and police said it 's hard to track unless they use it local.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: EQUIFAX, INC.
State: LA
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:
After thoroughly reviewing copies of my credit report, there are multiple inquiries that I no for a fact i did not authorize. The credit bureaus are being very un cooperative when it comes to my concerns about this apparent fraudulent activity on my credit report. I tried contacting the creditors and I was told I Have to contact the credit bureaus because they can not remove inquiries. No one is helping me with this issue and it seems that the credit bureaus just dont care. the inquiries are as follows ;  XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX    XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  Equifax  XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX    XXXX    XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently pulled my credit report from Equifax and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Equifax and the results of the investigation came back as " verified ''. I did not have an account with XXXX XXXX during this time period. XXXX XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Three times in the last two months I sent Equifax a copy of my drivers license, power bill, as requested. I got a form letter telling me I received my free report from them in the last year, and to purchase my credit file with a credit card. NO I HAVE NOT RECEIVED MY FREE REPORT FROM THEM SINCE XX/XX/XXXX Repeatedly I respond with the same information to no avail. I am entitled to my report and I want it - NOW. They do not give any way to contact them online without answering the same information over and over. My paperwork was lost in Tropical storm XX/XX/XXXX so I do n't know all the answers to their questions anymore. If they bothered to read my letters they would see why I need my report. All they want is to pressure people who need their reports into paying for them. This happened since XX/XX/XXXX but I did not take time to report them. Attached are copies of previous letter and material sent pay stub, birth certificate and more showing my address and who I am when requesting my free annual credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I 've contacted Transunion and  XXXX  on multiple occasions and they insist on giving me a hard time. I 've had absolutely no problem with  XXXX  disputing and deleting credit inquiries that were fraudulent and unauthorized. I dont understand why its so hard for these other  XXXX  credit bureaus to address and correct the concerns of the consumers. I know they are in the business of making money while our credit is destroyed but its just not right. I did exactly what I was told to do. I contacted each creditor where these inquiries came from and they told me that I have to contact the credit bureaus. I thought it was the credit bureaus job to dispute and investigate any errors that are on my credit report. If im telling you I was a victim of fraud why would n't they look into it more than they do? If   XXXX    can do it, im sure Transunion and  XXXX  can do it also they are just refusing to be accomadating. Ive called many times because I had names and addresses on my credit report that werent mine. I had  XXXX  different social security numbers on my   XXXX   report and they updated my info and removed the inquiries with no problem. Someone need to investigate the unethical practices going on with Transunion and  XXXX . The FRAUDULENT inquiries are as follows ;   XXXX    XXXX   XXXX    XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Transunion  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2022-04-16
Company: AES/PHEAA
State: FL
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:
In XXXX of XXXX I called and was given an extension on my student loans thru fed loan servicing. I was impacted by the hurricane in my area of florida. This hurricane hit us on XX/XX/2019 snd fema declared it a Major Disaster on XX/XX/2019. Florida Hurricane Dorian ( DR-4468-FL ). Here is the official website : https : //www.fema.gov/disaster/4468 I was told by phone and have since contact the company by several more calls and then here again, as well as previously in writing. This same call I was also sent a loan discharge application that i returned and was told I would here back from. I never got the status update on this either. Please advise. I can not get them to correct it thru XXXX XXXX  or agency oversite complaints. I saved the recorded phone call but i dont want to make a court issue out of this if it can be corrected. Farthermore since i have been impacted by XXXX and XXXX since. Yet again i ask that fedloan servicing please retroactivate and correct the previous extension granted on my student loan payments from XX/XX/2019 on all 3 of my credit reports. Please also send me a letter daying that the missed payment on XXXX of XXXX was removed as well. Its been an unreasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
So, my loan was transferred/sold from  XXXX   XXXX   XXXX , whom by the way ... were a class act ... .now with  1st investors Financial s ervices, literally the way i find out, is because i no longer had access to my online with veritas. Now with  1st In vestors, i speak with Agent  XXXX   XXXX  -- after she verified my information, i asked who they report to ... .what Credit Bureaus ... she proceeded with " I dont know that, i dont know who we report to '' she was very snarky, and quite frustrated ... .Rememeber this is the first ever time i find out i am not part of this finance company. She transfered me to the Manager  XXXX   XXXX , i asked her what Credit bureau do they report to ... ..she is the manger of the collections department, and she had NO IDEA WHO, so now this frustrates me and confuses me ... ... she had to place me on hold to find out whom they report to ... turns out, its to all  XXXX  Bureaus, which makes me happy ... .i was also told that all my Automatic payment info was transfered with the process ... ..turns out,  XXXX  says it wasnt and now i have to fill out some form, so that i can be set up on this again. my payments are do on the  XXXX , today is  XXXX  ... ..they will honor and back date my payment. the only thing is, for budgeting purpose i asked to debit my card, but it would be a {$13.00} charge and it is a 3rd party charge ... ..i asked them to waive it as a courtesy, and they could not. i am not happpy with the false information that was provided to me and unhappy that there account reps didnt know who they report to. First impressions are everything, and not once did i file a CFPB Complaint about  XXXX  ... ... i advised  XXXX  that i would be filing this complaint, and there is nothing she did to keep from doing this.

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 2016-09-02
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Made complaint several times about Bankruptcy and incorrect addresses but still remains. Contacted XXXX XXXX court, attached letter. They did not validate information. Also incorrect address, never lived at XXXX XXXX XXXX XXXX XXXX Maryland. Experian never or other party never investigated or validated information. See attached letter from Court.

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 2017-05-17
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I have previously submitted compliant  XXXX  about NAVY FEDERAL CREDIT UNION with respect to their unfair business practices and desire to overcharge discount points contrary to their own guidelines.     In an act of retaliation and bullying Navy Federal Credit Union cancelled my closing on   X/XX/2017     without ever providing me with notice. I had informed the  Credit Union th at no one was authorized to receive communications on my behalf ( enclosed email-notice ) but they still enticed their own attorney to commit Mal-practice by directing them to contact an unauthorized third party about the case and state the following : " '' Per the lender this is where we are at with closing : " If he would like to close with the terms we currently have in place we can reschedule closing. The earliest date we can close would be Monday. We will need him acknowledgement on the CD with no change in the terms. '' As you can see Navy is not going to be changing any of the final terms of the CD. I will need to confirm a closing, if he still wants to close with Navy, ASAP and will just need to update the  CD for the new  close date and then have him acknowledge it by the end of the day tomorrow. Please let me know if your client would like to close on Monday  XXXX  or after. If adjustment amounts will change please provide new adjustments to me ASAP so I can send over a new dr aft CD today. " D emonstrating NFCU 's resolution to violate its instructions by refusing to communicate with its own borrower for ov er 48 hours and to even provide the courtesy to inform them that closing had been cancelled as a re sult of its failure to due its due diligence with respect to communications with all parties. It also communicated through its attorneys its attempts to utterly dismiss complaint  XXXX  and that it would hold on to its desire to violate section C of its Commitment Expiration Policy on the Mortgage Loan Price Commitment Agreement by raising the price for discount points above what was on the document and the prevailing rate of the day ( See attached agreement.     Furthermore, it was discovered on  XX/XX/2017    Navy Federal Credit Union did not properly disclose to the appropriate party the names of the individuals to take Title to the property to be recorded on the deed of trust further causing delays. On the closing disclosure issued  XX/XX/2017    in order to close on  XX/XX/2017     Navy Federal  attempted to charge the buyer for delays it caused and demonstrated its intent to add additional fees by issuing a new commitment agreement on  XX/XX/2017    with higher rates than it advertised despite the fact that the current agreement would not expire until  XX/XX/2017   .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: SLM CORPORATION
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have a private loan with sallie mae. I fell behind because I lost my temp contract job. When I initially called to explore options, they wanted me to pay {$50.00} for forbearance application. I explained that I did n't have {$50.00}. They told me to borrow the money or they ca n't help.     Since then I paid {$600.00} and then called again to explain that my temp job ended ahead of time. They keep harrassing the cosigner despite being told that the cosigner is  XXXX  and had no source of income.     In an effort to get them to stop the harrassing, I asked them to call me rather than the cosigner. When they refused, I told them not to add my number to the system. They refused and now they 're also harrassing me.     I ca n't make payment without a source of income. I also have loans with other companies who have been more understanding than this greedy company without any compassion whatsoever.     I gladly pay my monthly bill when I was working . 2 yrs wi th no problems. They 're welcome to keep harrassing me but the fact is they wo n't be getting payment until I have a steady job. Threatening to ruin my credit history was also a nice touch.     I just want them to stop calling my mother all the   XXXX   time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions 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 status incorrect

Complaint:
The auto company XXXX XXXX XXXX is showing me 180 to 190 days past due on my XXXX  loan theyre showing XXXX XXXX XXXX all to be 180 days late I have it set up on auto pay from my bank to pay the loan.its due on the XXXX of the month I pay it on the first of the month every month it is not late and its killing my credit report.back in Covid when it was really heavy on my job I was injured so the company said they will not charge late fees and they put the Covid months on the end of my note supposedly so when I got back on my feet and I started making my car payments again I thought I was making for the month I was in apparently Im not there showing it past due XXXX I paid it on the first theyre saying Im late the same for XXXX XXXX Ive been paying two weeks early on my car loan for since XXXX my car payment for XXXX a month I pay XXXX a month I dont know what to do they wont fix the problem on my credit report and every time I asked credit reporting bureaus to dispute this and check it about two days later they say they have reached a decision and it has been updated so I just dont know what to 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 2015-12-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have never been In Kansas, Oklahoma ; I was born in XX/XX/XXXX, not XX/XX/XXXX, I have never had any business name " XXXX ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never got a bill for the debt of  XXXX  from original creditor .also added 18 % interest to bill.I only found out when I got my credit reports, contacted GLA collection co.inc.rote them for all medical records, only received the bill with interest added an original creditor name,  XXXX   XXXX    XXXX    XXXX , no a dress, a account number. I also read they could only get original amount. their address is  GLA collection co Inc,   dept. #  XXXX    XXXX   XXXX    XXXX   XXXX , Ky XXXX .-phone : XXXX .my email is  XXXX   XXXX     XXXX   XXXX    thanks,  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 2017-01-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I 've always had a rep payee and they have always paid the bills in their own name, while taking the rest of my checks and using them for their own purposes. Now I do n't have a rep payee and I had gotten out of prison after 10 years, I did have valid credit cards which were taken and used but no payments were made while I was in XXXX XXXX XXXX XXXX. I have been out of jail now for over 5 years and spent over XXXX of them at XXXX XXXX XXXX home. I started a bank account at XXXX XXXX XXXX XXXX, but since I 'm XXXX and I had to rely on other people 's to do my banking when the weather conditions are too bad, I have been ripped off of over {$150.00} which XXXX XXXX XXXX XXXX refused to help me overcome, they then closed my account and charged me {$99.00} more for this. 
I 'm in a XXXX I ca n't help but rely on emergycare to get me home when my XXXX dies. I ca n't even pay them when my dies on the street and they charge outrageous rates to go XXXX blocks, plus as for my phone bill from XXXX XXXX XXXX, I 'd just pay them and they would tell me I did not pay them and then they 'd cut my service, charging the same amount as I was paying for my monthly service, which was also inferior to other companies services. 
I always pay my debts but am always told that I do n't. 
Now I ca n't open a bank account, get a credit card or even find a job. 
My bills are paid as far as I made legitimate purchases that I 'm actually able and cognizant of making. I ca n't pay for services that I need on an emergency basis and I ca n't cover fees that I was supposed to have made while I was holding on for life or from a hospital room, and I 'm especially not going to pay for costs that I did not make. 
Plus I can see if I just used these services for recreational purposes but I never used any service included herein for any purpose other than what they were absolutely needed for. 
I ca n't even find decent housing and am on the verge of losing the apartment where I currently stay, so what good is it going to do if I ca n't find a place to stay and end up back in jail to keep insisting that I have to pay all these charges when my cell phones were stolen and used without my knowledge or permission while I was at XXXX XXXX. Am I really responsible for these things? And do I really need to pay outrageous fees for things that were either necessary or done in my absence or without even my knowledge?

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