BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-20
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have several accounts on my credit report which were charged off and a XXXX ( I think it 's called ) was sent to me. I therefore reported this as income, and paid taxes on it. They 're still reporting on my credit report as owing them money. They 're reporting negatively every month. 
Second situation is that I 'm paying on a second mortgage and have been in good standing, which is not reflected on my credit report. My contact at the credit union contacted them with the correct updated information. However, it is still reporting negatively on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX XXXX, NC XXXX and these accounts XXXX XXXX XXXX XXXX and these others XXXX XXXX XXXX. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: LA
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:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I recently got my credit report from Experian using the federal website to receive annual free credit reports from the XXXX agencies. While doing this I also chose to purchase a one time credit score from Experian, or so I thought. Now Experian is charging on a recurring basis for what appears to be credit monitoring, or at the least the ability to monitor my credit score and report. It was not clear from the website that I was purchasing a recurring service or that there would be a recurring fee for what I was selecting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-21
Company: NAVY FEDERAL CREDIT UNION
State: DC
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:
navy federal credit union is destroying this veterans life and keeping him XXXX and XXXX. I'm a XXXX veteran XXXX with no money no income and no assets. Navy federal is falsely and illegally continuing to report a 10 year old credit card account which I DO NOT Acknowledge, DO NOT OWE, and have no knowledge of. THis ALLEGED account is OVER 10 YEARS OLD AND WILL BE REMOVED BY FEDERAL FCRA LAW. STOP DESTROYING A VETERANS LIFE THAT IS XXXX WITH NO MONEY OR ASSETS. I DO NOT OWE THIS ALLEGED DEBT NOR COULD I PAY IT IF I DID AS A XXXX XXXX NO INCOME VETERAN. NAVY FEDERAL IS ALSO GETTING AWAY WITH FALSE OLD AGED REPORTING BECAUSE MY CREDIT REPORT ONLY SHOWS A COUPLE YEARS OF ACCOUNT HISTORY, WHEN THE ACCOUNT IS OVER 10 YEARS OLD, AND ACCORDING TO FEDERAL LAW, NEEDS TO BE REMOVED IMMEDIATELY!! ARE YOU HAPPY NAVY FEDERAL? DO YOU ENJOY DESTROYING LIVES, LYING ON A CREDIT REPORT, AND VIOLATING FCRA? REMOVE YOUR ACCOUNT IMMEDIATELY!! NOTHING SERVES YOU KEEPING A XXXX VETERAN XXXX AND LYING ON A CREDIT REPORT. NAVY FEDERAL HAS BEEN REPORTED TO THE NATIONAL CREDIT UNION ADMINISTRATION, THE XXXX ATTORNEY GENERAL, THE XXXX ATTORNEY GENERAL, THE CFPB, AND THE XXXX. I WILL OBTAIN A FIRST AMENDMENT LEGAL PERMIT TO PICKET YOUR LOCATIONS WITH A SIGN THAT READS " NAVY FEDERAL XXXX XXXX XXXX. '' I WILL CONTINUE TO FILE COMPLAINTS UNTIL THIS ALLEGED, OLD, AGED, FALSE ITEM IS REMOVED FROM MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
The sold my mortgage on me and sent my payments back and now the hole foreclosure is so messed up no one wants to deal with it. 

They had me paying eight different companies over a two year period and my balance went up instead of down

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There are XXXX judgements on my report that is not mine. They are on the Experian credit report and they are in name only without my social security number. These judgements are not mine and belong to another XXXX XXXX. My name is spelled XXXX XXXX, they do not even have the correct spelling. I have contacted a lawyer and he explained what they are doing which goes against the protection of consumers. I have attached the XXXX files.

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 2022-04-21
Company: Affirm Holdings, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased tickets for {$330.00} through XXXX  for a live show in XXXX back in XX/XX/XXXX. I used Affirm to finance the small loan to pay in 3 installments and paid it off with on time payments in XX/XX/XXXX. Since then the show was postponed twice and then finally cancelled XX/XX/XXXX. XXXX returned my money in full ( XXXX ) the beginning of XXXX to the original payment source, Affirm. Affirm was supposed to mail my check to me for XXXX within 16 days. I have emailed, chatted, and contacted them through social media ( XXXX and XXXX ), no less than seven times. I have screen shots of everything and copies of the emails if you would like them for the exact information on each conversation. 
These were the responses : XXXX - XX/XX/XXXX, the first 30 days they tried to verify my address which was correct to begin with and was verified first contact with Affirm the beginning of XXXX. They continued to verify my address via email like they had not before for over 30 days with at least 3 separate emails. Then when I contacted Affirm again after the first 30 days, I was told my matter would be escalated and someone would contact me. I heard nothing for over a week, when I contacted Affirm I was told it was escalated and someone would contact me around the beginning of XXXX. I asked for their contact information since I had not heard at all in a week and was told I could not have that. I am still waiting on a return call for over a month and a half and I have had at least 5 different conversations with Affirm inquiring about my money since being told it was escalated. Each time they only told me it was escalated and someone would reach out to me. I am still waiting two and a half months past my refund being released from the merchant and we are at 2 years and 2 and a half months that Affirm has had my money. I want my XXXX refunded - there should be nothing to look into - the merchant refunded my money and they need to send it to me. It is mine. Affirm has stolen my money, and theft is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My current BK on my record has the length of time on my CB.

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 2015-10-01
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The State of Alabama incorrectly filed a XX/XX/XXXX lien against us in XXXX County, Alabama. After determining that our appeal was justified, they rescinded the lien back to its effective date of XXXX. Both XXXX and XXXX have repeatedly refused to acknowledge the lien as rescinded and have filed the lien as " Paid, Released. '' They plan to continue the documentation on our file until XX/XX/XXXX. This erroneous designation is negatively affecting our credit report, our credit score and our ability to secure a home loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: KY
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:
So I sent letters off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third parties. 

These are clear violations of my federally protected consumer rights.

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 2017-01-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX XXXX XXXX On XXXX the original creditor was discharged through Bankruptcy Court Chapter XXXX in 2012. I now receive harassing collection calls from XXXX XXXX XXXX for ( Acct # XXXX ) demanding payment, which was already discharged through the US Bankruptcy Court and is showing on my credit report as a charge off/ collection. This is inaccurate, false, and fraud and it needs to stop and be removed from my credit report. 
According to the attached Discharged BK file- collections for BK discharged debts is Prohibited.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct 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 explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my report or I shall proceed with involving my attorney!

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 2015-10-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
CHASE Credit Card Slate is reporting missing payment and credit card default under my name, I was only and authorize user in the account so I can do some shopping for a friend due to he was disable, but I have never sign any agreement on me be responsible for this account, I have done a dispute with XXXX, XXXX and XXXX and they have not done any changes on my report, also I have sent letters and faxes to Chase directly and they have ignore my request. I have ask for a validation of the debt under FDCPA section 809 Validation Of Debt ( 15 USC 1692.g ) ( B ) and they have ignore my request, I been denied credit and opportunity due this reporting, I will like to please enforce this law now and also get a judgment of {$1000.00} for damages due to this, I have taking time of my life and pay for faxes and latter plus postage to fixe this problem and I still have not any response from Chase Slate Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, Convergent Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, Has violated my rights 15 . U.S.C 1681 section 602 A. States i have the right to Privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish my account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I just got my credit report and EXPERIAN have this Fraud information : XXXX XXXX XXXX, XXXX XXXX {$52.00}. I called XXXX and XXXX XXXX XXXX and both of them said That they did n't sent any report under my name to experian. I was calling experian so many times and they dont answer, just a machine. I requeste to remove this information from my credit report because I 'm in the process to buy a house and this information is afection my credit.

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 2016-09-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The following personal information is incorrect on my credit report. 

Wrong names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Addresses : 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 Attached is a copy of my DL, SS Card and utility bill so you can see its 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 non-monetary relief
Consumer complaint received 2016-03-08
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had XXXX collections show up on my experian report. XXXX showed up in XX/XX/XXXX and XXXX showed up in XX/XX/XXXX. I never received anything from the collection company. No dunning letter or right to dispute which is my right according to the FCRA. As soon as I saw that they where on my report, I sent XXXX a validation letter asking for proof that the the XXXX collections where mine and the proper validation under the fdcpa. I sent it certified mail so I had proof when they received it. I waited the 30 days for there response and the requested proof and when the 30 days came and went and no correspondence was sent to me, I sent Experian a letter with proof that XXXX got my request for validation and a copy of the letter I sent. I demanded that the XXXX collections be removed from my report since they where put on there and XXXX didnt follow the rules they are required to do by the fcra. I received a letter from experian yesterday saying that they had updated the XXXX accounts and that they where remaining on my report. I have not received any proof that these collections are mine nor has XXXX sent me any validation. According to the fcra, if a collection agency does not validate a debt within the allotted 30 days they are allowed, the credit reporting agency had to remove the account. 
I have attached all correspondence so far. Proof that XXXX got my validation letter. A copy of that validation letter. A copy of the letter that was sent to experian and proof that they received it. Lastly, the letter that was sent to me showing the accounts where updated

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 2016-04-06
Company: Ascension Point Recovery Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My husband, XXXX-years-old needed XXXX replaced, since previous XXXX were XXXX at hospital he was in prior to XXXX visit. He did not have insurance coverage for XXXX work, so he applied for XXXX and received {$800.00} credit toward dental work. On XX/XX/XXXX an appt. was made with XXXX, XXXX, XXXX. We handed them the approval for the {$800.00} credit approval toward dental work to be done. The manager at that time, stated that they can have XXXX increase the amount to cover more of the work to be done. She called and it was denied. The cost would be {$2000.00} - {$800.00} = {$1200.00} which we used our personal credit cards to pay out of pocket {$500.00} from each credit card. This was the XXXX visit and only XXXX was taken to send to XXXX. On XX/XX/XXXX my husband was admitted to XXXX from XXXX since XX/XX/XXXX, and could not make the next scheduled appt. on XX/XX/XXXX. I am receiving billings from XXXX XXXX, and AscensionPoint Recovery Services, LLC regarding the balance of {$800.00} for XXXX. The card arrived, but was never activated by my now XXXX husband. According to when I informed XXXX XXXX nd AscensionPoint of my husband 's death, they informed me that this is not the family responsibility but yet they are still sending me statements and letters and it has been placed with collection agency which is AscensionPoint, XXXX XXXX, XXXX in which now they are sending bill in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act : Account NamXXXX XXXX Account Number XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

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

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