BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian Still reporting wrong information on my credit report. Which is causing me to have a bad credit score Also, it did not respond within the 30 day period when I make a dispute Also, this agency is acting as if I supposed to pay them to have a good credit score. Because every time I turn around, my credit score always goes down. I have not had anything on my credit cards for the last 3 months. My credit score still goes down never mind

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 2023-07-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial XXXX  by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-10-15
Company: EQUIFAX, INC.
State: PA
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/2021 XXXXDate of Inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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:
Experience has confirmed medical account that is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was informed of the judgement by a third party while trying to purchase a home this year. I was not aware that the judgement existed until then. The debt is not on my credit report. I was never served any documentation on any judgement. The debt is dated for 2014, which is over 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: WESTERN UNION COMPANY, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
This is the feedback you requested from me about my complaint XXXX. With respect to my latest complaint, XXXX, the company ( Western Union ) stated that they would not communicate with the XXXXXXXX XXXX XXXX XXXX regarding the missing {$1000.00} I sent to XXXX through Western Union in XXXX. The money is still missing, and I have no definite statement from either XXXX or WU about what happened. 

XXXX denied receiving the money ( the receiver also denied ), and insisted on having the XXXX number so they can track it down. 

Western Union finally did provide that number, which I sent to XXXX. 

Now XXXX said that was not enough and wanted to communicate with WU. I thought this was a good sign. But WU refused to communicate with them. My feedback is my latest complaint about that refusal. 

So I am puzzled as to what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: ID Analytics, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2020, I applied for a credit card with XXXX. This activity is managed by XXXX XXXX. On XX/XX/2020, in an email response, I was informed " Your request was denied for the following reason ( s ) : Unable to access credit bureau due to freeze or lock ''. In another section of the email message, it identifies the reporting agency as SageStream , LLC. While it is true that I have placed a freeze on my credit report with XXXX, XXXX, and XXXX, I was not aware SageStream existed as a credit reporting agency and as such, would not have known to request a freeze with this organization. 
I attempted communication with SageStream LLC and while a phone number for Customer Service is published, interaction is entirely via voice prompt and there is NO OPTION to talk with a real person for issues that are not included on a narrow list of services. 
My application for credit to which my credit score would entitle me is being rejected as a result of SageStream consumer relations practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: OH
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 reviewed my personal credit report and noticed that there were inquiries on my credit report that I did not authorize. All attempts made to resolve this with the companies involved have proven futile. I am a victim of identity theft and did not make these enquiries. The incident related to the theft of my identify has been reported to the Federal Trade Commission. I am requesting that these items are deleted to correct the discrepancies on my credit report. 

FRAUDULENT INQUIRIES Account Name : XXXXXXXX XXXX  Date Reported : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Account Name : XXXX XXXX Date Reported : XX/XX/XXXX Account Name : XXXX XXXX Date Reported : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 according with Fair reporting act XXXX Accounts 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 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1682C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-01-29
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This loan has been bounced back and forth between Ocwen loan servicing, Option one, American Home servicing, homeward, XXXX XXXX and others since it was issued.When Ocwen was pressed for info before by myself and CFPB  ( XX/XX/2016 ) they provided incomplete ( 4 years missing ) and inaccurate info.From what they did provide several ( thousands of dollars worth ) payments were held in suspension until late fees were created.Many went to fees for foreclosure even while the loan was in bankruptcy.Many seem to have just disappeared all together.Charges were made for inspections 5 times in a three month span several times.There were large payments that look like they disappeared via fees.We are even being charged for the service collecting payments.I have a legal services attorney but she is limited to defending only and can't file against these service company 's. 
As first time home buyers we were at the lenders mercy.Interest rate was set at 11 % until we sat down for the closing when it changed to 14.475.We had no idea we could decline the loan at that point due to the change.Ocwen never addressed the fact that we were never told or provided any info about rescinding the loan.I was unaware they had to provide that info or I would have pressed the issue more.I believe the time limit doesn't start until the info is provided which it still hasn't.These company 's are doing all they can to line their pockets at consumers expense. 
I would rescind this loan if I had been given the option at any time.We were conned into a high interest rate loan that we didn't qualify for but have tried to pay for it.They continue to claim amounts that aren't legally due and have made thousands in charges eating up much of whats been paid.Most of those charges are unexplained and their record/coding is all but impossible to decipher.i believe this is so as it would be hard for a person to tell where all the bogus charges are hidden.We have paid well over 65,000 on a XXXX loan.If payments were credited correctly the loan would be paid.Payments over what was due were held in suspense, but in escrow or used up as bogus fees not applied to the principle as the contract states.Payments were to be applies to interest, principle first as per our contract. 
I think I have the right to demand they provide the info regarding rescinding this bogus mortgage and be allowed to do so. ( time starts when notice is received ) .Company 's should be forced to adhere to the laws regarding consumer protection and be made to pay a penalty for failure to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX, Experian, and XXXX is reporting the below referenced alleged accounts on my credit report as a collection account. 
- XXXX XXXX XXXX original creditor is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX / XXXX creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ Original Creditor is XXXX XXXX I have disputed these item with the credit reporting agency XXXX and XXXXey reported these accounts we're confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports. A bill is not proof of an account ownership. Also, XXXX XXXXXXXX XXXX and XXXX XXXX XXXX is in direct violation of the HIPPA 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 2023-07-06
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Milestone Mastercard offered me a credit card. I am currently trying to improve my credit score history, so I was concerned that if I was to apply for this card whether it would show up as a hard inquiry on my credit scoreboard. The company ensured me that it would not. However, I just looked at my credit scoreboard and saw that it is listed as a hard inquiry. I have tried to reach out to the company but I have not been able to get any response. Milestone needs to be ashamed of themselves for misleading their potential customers this way. I want that mark taken off my credit score as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: TCF NATIONAL BANK
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recevied a letter dated XX/XX/2020 from TCF Bank referencing a loan I never took out. They state payment was due on XX/XX/2020 but don't include the amount due. Just a " $ '' When I called the # on the letter it was for a TCF Bank collections department. I did not wait to speak to a representative because this appears to be a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on 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