BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-28
Company: Allgate Financial, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I have lived outside of XXXX New Jersey for the last 5 years. I happened to receive a forwarded communication via mail at the end of XXXX. I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX as soon as I received the communication. 

I spoke to one of their associates and they asked me to email proof of address to XXXX which I did right away. I followed up with a call in XX/XX/2022. The representative was not very informative or friendly but assured me that the file was being closed. I asked for a supervisor and he placed me on a one hour hold and nobody came to the line. 

Upon checking the court records, the case has been defaulted and nobody is answering at this firm. I have reached out to them multiple times. 

They have file a suit out of jurisdiction and confirmed to me on the initial and secondary contact that they were fixing this issue and closing the account back to the issue for out of state to the creditor. Again, this has not happened and it is impacting me. 

Again, I do not live in the state of NJ and I have submitted proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: Trident Asset Management, L.L.C.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing regarding my Trident AM, LLC. account opened on XXXX. XXXX, 2020. Original creditor XXXX XXXX XXXX  XXXX. 

Trident has been double reporting the account, not only is the original creditor reporting the account as a charge-off but this collection company is also reporting it as a negative account. 

I am planning to file for arbitration to resolve this matter. I have health problems, XXXX, XXXX  and other XXXX XXXX, not getting a mortgage, paying higher rates on loans, not getting funds has caused me sleep deprivation and affects my psychological state and mental health. 

Im open to hearing about you and resolving this issue in a good way. If this matter continues to take much more of my time, let this be your 30-day notice that I am going to file Arbitration unless Trident AM , LLC , deletes the account from all 3 reports.

Im open to discussion, and I like to resolve this issue in a good way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Tromberg, Morris & Poulin, PLLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I have lived outside of XXXX New Jersey for the last 5 years. I happened to receive a forwarded communication via mail at the end of XXXX. I contacted Tromberg , Morris & Poulin , PLLC as soon as I received the communication. 

I spoke to one of their associates and they asked me to email proof of address to XXXX which I did right away. I followed up with a call in XX/XX/2022. The representative was not very informative or friendly but assured me that the file was being closed. I asked for a supervisor and he placed me on a one hour hold and nobody came to the line. 

Upon checking the court records, the case has been defaulted and nobody is answering at this firm. I have reached out to them multiple times. 

They have file a suit out of jurisdiction and confirmed to me on the initial and secondary contact that they were fixing this issue and closing the account back to the issue for out of state to the creditor. Again, this has not happened and it is impacting me. 

Again, I do not live in the state of NJ and I have submitted proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was sent a random text message with no detail about a debt collector. I haven't received anything by mail. This was on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I disputed information on Experian disputes for credit card accounts that were past thpast the seven year limit and they did not remove them. They changed theaccount date which was XXXX to year XX/XX/XXXX which is not true. tried todispute info again and Experian will not allow you to dispute online unless youpay for it. they also did not allow me to go back and view my dispute but once, event though the 30 day limit was not up. there is no contact email so you cansend any complaint issues and they put inaccurate verification information soyou ca n't even verify your identity in order to dispute anything online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have a child support claim dating back from XX/XX/XXXX.I am only XXXX, I was born in XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a child support on my experian credit, which is the wrong information because i have never in my life time had to pay child support i think they may have mistaken it with my son they need to check social security number more closely.

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 2022-03-28
Company: OneMain Finance Corporation
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:
Under the XXXX XXXX Onemain is required to report my account as being current. In XX/XX/2021 I made an arrangement with the Branch XXXX in XXXX, NC to move the payment to the end of the loan and under the cares act I am requesting Onemain to remove the late payment from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX on or about XXXX/XXXX/15 on EXPERIAN. I did not authorized anyone employed by this company or at this company or EXPERIAN to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that EXPERIAN remove the unauthorized and fraudulent hard credit inquiry immediately from my EXPERIAN credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I wrote Experian asking for my credit report which I did receive and I was not happy with the results. Their are items on it that have a XXXX balance and a couple have looks like the same company twice. The way I fill about the situation they have no balance so should not be on my report to harm me or keep me from getting any type of credit. I did file a dispute with them but have not heard anything from Experian and this is not fair to keep anything on my report that is damaging 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 2016-05-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have XXXX medical bills on XXXX and XXXX XXXX accounts all in collections that were ALL removed and now they are back on my report. I do n't owe XXXX anything and I have medicade so the medical bills should have been billed to medicade not me. Also XXXX and experian do not show all of my good accounts and refuse to add them. experian has refused to remove any of the medical bills they show. the only report that is correct is XXXX. They removed all of the fraudelent accounts from my idenity theft all of the medical bills and they show all of my good accounts. I am so aggervated with fighting with experian and XXXX to fix my reports. I want to buy a house and this is making it impossible. Can you please help 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 non-monetary relief
Consumer complaint received 2015-09-01
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Experian. Their website faulted out while I was trying to get my free annual credit report. Site said, 'try again later '. I tried many times in the following XXXX hours, but site said 'You 've already received your report. ' Only web alternative offered is to pay {$1.00} then {$15.00} per month thereafter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
On XX/XX/2018 my husband passed away. You company allowed someone to close out a joint credit card between my husband and myself. I ask your company to write or send me the information that a call has been reported. This was a very bad situation because I was a joint owner of the account and the account needed to be closed in the proper way Please I need in writing who closed this account. And for who or why did you summit Bills to my attorney which cause money as the attorney gets paid by the hours. 

You received information that was personal and you acted on a phone call. The personal stole this account information with permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The Experian credit reporting bureau had inaccurate information on my credit report that I disputed XX/XX/2106. XX/XX/2016, the bureau sent me a notice stating the information had been updated. There was no correction to the inaccurate information. When I filed a complaint against the creditor with the CFPB, the creditor reported additional inaccurate information. I requested to dispute the additional inaccurate information, and Experian denied the request. The company stated that the information had been verified and could not be disputed again. The Experian reporting system does not meet the standards required by the Fair Credit Reporting Act. The system allows the creditor to report inaccurate information about consumers over and over and over again. The coding system does not safeguard consumers from creditor 's retaliatory conduct. The creditor reported on my credit file that the account was charged off twice, and that it was a repossession 10 times. The coding system should define what is a terminating act by the creditor. If the account has been reported one time as a repossession then the system should not allow creditors to report the repossession again and again. If the account has been charged off then the system should not allow creditors to report it again and again. There is no way to protect consumers like me from violations by the creditor.

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 2015-09-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XX/XX/2015 I requested my free experian credit report. I found out that a strange company named XXXX ran my social security 3 times to lend money to someone under my name. The loan was denied 3 times which mean this person is trying several times to steal money under my name. The days they requested the loan are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I contacted the company by emailing them. the associate fraud analyst XXXX XXXX called me to express the company concerns and offered me to help me to filed a complain with you but she needed my info i said no thanks ill do it myself. My concern with this company is the following : what kind of identification the company request to the public to run someones social security to provide a credit? None? a fake one? fake identifications are noticed i guess? they can not just ran social securities from people which appear in their credit as denied for 2 years. thank god i have a terrible credit. 
Please contact this company to check on them if they are doing something illegal against population to obtain business. the name of the company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXphone XXXXor directly with the fraud analyst XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: PA
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 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 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 non-monetary relief
Consumer complaint received 2017-02-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Credit reporting agency did not delete collection information, negative accounts and inquiries creditors agreed to delete from my credit profile they refused my request to update my credit profile to reflect correct information. 

Collections 1.XXXX 2 . XXXX 3.XXXX 4 . XXXX InQuiries 1.XXXX 2.XXXX 3.XXXX 4.XXXX 5. XXXX 6.XXXX 7.XXXX 8. XXXX 9. XXXX 10.XXXX 11.XXXX 12.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 2016-04-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have XXXX accounts that are reporting incorrectly on my report 1 XXXX XXXX this is reporting incorrectly on my report 2 XXXX XXXX this is reporting incorrect on 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 explanation
Consumer complaint received 2017-05-25
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband received a prequalification letter in the mail from XXXX XXXX of Quicken Loans for a VA Mortgage Refinance. Allegedly, we could refinance our loan " with a VA loan at a low, 15-year fixed interest rate of 3.25 % ( 3.836 % ). '' However, our current mortgage is not a VA Loan, which I know is a requirement of qualifying for a VA Interest Rate Reduction Refinance ( IRRR ) loan. Additionally, neither my husband nor I, are veterans. I found this letter to be very deceitful and unfairly misrepresents a government program.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX pulled my credit without 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
Consumer complaint received 2015-09-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
WHAT HAPPENEDProduct : Experian Credit ReportingIssue : Credit reporting agencies ' ( CRA ) investigation was inadequate and failed to consider Creditor Payment History spreadsheet and Borrower Check LedgerDescribe what happened so we can understand the issue ... 

Experian Refused to Require Credible Debt Verification on the Part of Major Subscriber XXXX. 

The Federal Trade Commission and the Consumer Financial Protection Bureau should take the lead in forcing Experian and XXXX to comply with Federal Law and Federal Court Order. Moreover, CFPB has recently issued a Bulletin finding inadequacies in the CRA validation process and there is a pending Federal Court case challenging same ( State of Mississippi XXXX Experian Information solutions , Inc. XXXX ). 

Experian refuses to require " Furnisher '' XXXX to bring its credit reporting system into compliance with the Fair Credit Reporting Act ( FCRA ) ; acceptable debt validation process in general ; and, the XXXX 2014 United States District Court Consent Order, in particular. Experian continues to use unverified data provided by XXXX in its valuation of credit reports and resulting credit scores. Although the Consent Order systematically invalidates XXXX data collection/reporting process, Experian appears to be acting in tandem with XXXX to refuse to facilitate credible/acceptable debt verification. In fact, Experian simply ignores the existence of clear and convincing evidence that XXXX has " routinely '' misreported debtor payment history and otherwise made inappropriate " assessments '' to Borrower accounts. 

In the instant matter, Experian unilaterally accepts XXXX undocumented position that I am {$15000.00} behind in mortgage-related " assessments '' and 12 months behind in mortgage payments. Among other credit report wrong-doings, I am legally entitled to copies of Experian 's debt validation referral to Furnisher XXXX - and XXXX response. XXXX and Experian should not be allowed to engage in secret communications concerning debtor account and inquiries. I have repeatedly requested a detailed breakdown of the alleged and bogus {$15000.00} assessments and identification of the specific 12 months of mortgage payments I am allegedly in arrears. Providing this information is crucial given the District Court 's invalidation of XXXX internal reporting system, and the fact most of these charges were assessed during the period I was under Chapter XXXX protection ; a clear violation of Federal Bankruptcy law. 

Experian should not be allowed to ignore un-refuted evidence ( in the form of the Consent Order, check ledger and Payment History spreadsheet ) of wrong-doing and systematic misreporting on the part of XXXX of its major subscribers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have not tried to obtain and credit and I continue to see credit inquiries on my report that I did not allow and would like removed.

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 2022-08-30
Company: U.S. BANCORP
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XXXX I sent an application for credit to US Bank Registered mail # XXXX. US Bank had 20 days to accept or reject the application ; 10 days fir shipping, 10 days to decided, and additional time was available upon written request. 

There were clear and conspicuous instructions that they were to return my instruments to me within 20 days if they refuse the contract. 

The application was received by US Bank on XXXX. US Bank sent a correspondence on XXXX that was received by me on XXXX. US Bank declined my request for credit but failed to return to me anything of value in place of the instruments that were provided to them. 

US Bank is in Dishonor and has failed to perform on our agreement by refusing to provide me consideration for the value that they received. US Bank is currently holding stolen goods.

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