BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I arrived the XXXX this XXXX. This is my first time to be in the XXXX. In XX/XX/XXXX I tried to apply for my first XXXX credit card, from XXXX. They rejected my application because they said that my Experian credit report saies that there is an outsatnding bill in one of my credit cards. 

That is the first time I noticed this issue. I created a Experian account using my personal information and XXXX, which was issued to me this XXXX. But Experian automatically links me to an exsiting Experian account, which is fraudulent. That fraudulent Experian account contains personal infomation which looks similar with mine. The scammer manipulated an imaginary person, whose name and date of birth are similar with mine ( not the same ). 

Besides, that existing account contains a credit card issued by XXXX XXXX XXXX XXXX XXXX XXXX which has a XXXXXXXX XXXX outstanding bill happened this XXXX. According to the information listed on the Experian Credit report, that fraudulent credit card was created in XXXX at which time I was not in the XXXX. The strange part is that the scammer 's credit card does not show a SSN same as mine, so why does Experian links me to that account? ( Actually, Experian cannnot even see that card 's SSN ) What information did Experian use to link me to this account? 

Becaus it is my first time that I encountered this issue, I just followed the suggestions given by Experian human service to avoid any further negative effects.The information listed on the credit report was not right, so I corrected them ( including the name, DoB, mailing address and SSN ). I am not sure if that will affect the disput process. If the credit report isn't mine, I may have just modified someone else 's credit report. 

I tried to dispute that this credit card is not mine, but all my attempts failed. Experian they give two reasons to reject my applications of removing that card. First reason that Experian gave is that I didn't give enough materials that can prove myself, but I indeed submiited all the documents required by Experian, including my passport, State ID, Bank Statement, police report, XXXX, past two years 's mailing address, full name and DoB ( even my XXXX XXXX, and XXXX ). Second reason is that they told me that XXXX confirmed that that credit card is 'valid ' so they can not remove it from my Experian credit report.But it does not belong 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 2022-04-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian is improperly and inaccurately reporting on my consumer report. Per XXXX XXXX XXXX Account. An increase in debt owed on the account. This has violated my rights per 15 U. S. C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account or its transactions without my written instructions. Please remove the inaccuracy. ( Increase in debt owed ).

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 2019-04-08
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I did a remodification back in XX/XX/2017 in the modification they were going to forgive me {$67000.00} I am trying to sell my house so I called for a payoff amount and they said {$250000.00}. This year in taxes we recieved a XXXX form and a XXXX form from Ocwen Loan Servicing, LLC we ended up oweing almost {$13000.00} in taxes so they kept my state and some of my federal taxes and I went on a payment plan. Ocwen is saying because we were late for a payment we owe the {$250000.00} now they are saying they did not send us both forms when i have the proof in front of me. we can only get an offer of {$180000.00} on our house they have done nothing but play games with us all my papers say regular principle balance {$190000.00} we don't know what to do at this point were we paid taxes on that money of {$67000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX  - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation XXXX a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation XXXX a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX  - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting.

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 2021-01-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PORTFOLIO XXXX-XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO XXXX-XXXX  PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: TN
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:
I have reached out to Experian, XXXX, and XXXX via dispute by mail to only receive a response stating that the dispute was not done by me, which is false. I notified all 3 bureaus that I never had credit before and that I always paid cash for everything and now that I am older and most things/creditors require you to have credit, after obtaining a copy of my copy report only to find out that someone has been fraudulently using my credit already. I requested that the bureaus remove the fraudulent information from my report which is XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX MO which has been has been assigned to 2 different collections ( XXXX XXXX and XXXX  XXXX, XXXX ) that are not authorized to collect debts in the state of XXXX. I filed a Identity Theft report with the Federal Trade Commission which is attached along with proof of the collections company that are not licensed in the state of 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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX Account number 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 2021-04-30
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX i DONT OWN ANY OTHER STATE IDS OR ADDRESS ANY OTHER STATE ADDRESS OR ANY INFOMATION OTHER THAN WHAT IAM SUBMITTING my lawyer disputed and wrote a letter to all collections on my credit report all incorrect information is incorrect all account that do not match my Id information with same state and address is considered fraud and must be removed I am making a final goodwill attempt to have you clear up this matter. The account they sent back verified are entirely inaccurate, incomplete and represents a very serious error in they reporting. 


I have attached me id & theft police report & letter that my lawyer have wrote this companies with no responds my wallet was stolen So everything that is on my report must match my id The thieves are still using it till this day I will not freeze my accounts because this allows me catch anying who is using with alerts set up in realtime these are the accounts I have verified and some of these are not reporting on all credit reporting at all!!!!! With is another volnation of law. they are as follows loans XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX bank {$1400.00} XXXX XXXX XXXX XXXX bank {$370.00} XXXXXXXX bank {$1000.00} error is currently reporting {$0.00} this wrong XXXX XXXX bank use {$2000.00} error every payment was on time currently reporting two late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
please remove these inquiries from my credit report ASAP XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX - XX/XX/2023 These Inquiries are not authorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
MY DISPUTE FROM CFPB COMPLAINT ON XX/XX/2023 SHOULDVE BEEN UPDATED AND REMOVED WITHIN 4 BUSINESS DAYS. REF NUMBER : XXXX PER LAW : 15 USC 1681 ( a ) 1 ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairly and these fun fair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate reporting. My reputation, character, credit standing, credit capacity and credit worthiness I have not been able to obtain efficient credit, insurance, employment or housing as well as suffered from mental anguish, stress, XXXX and marital problems.

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 2019-03-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A previously deleted account, Portfolio Recoveries collection, was re-reported on my credit report on XX/XX/2019. This has tied me up for a mortgage loan. It showed up last minute when we were supposed to close on the loan. I did not receive any previous notification in the mail that this account was going to re-report and did not receive a chance to request validation on this account. The law says that I need to receive a notification 30 days before it reports for the 1st time and I need to receive a notification within 5 days of re-reporting. I received neither notification.

When I call Portfolio Recoveries, I explain the specific law that they are supposed to follow and none of the people on the phone know what I'm talking about. I was transferred to 5 different reps over 2 hours on the phone with this company. 

The first rep read me a statement about how this debt was past the state statute of limitations and I wasn't able to be sued unless I made a payment or admitted to the debt. I did not make a payment or admit the debt, but when I was transferred to the 2nd rep, they told me that I needed to make payment arrangements today or I could be sued over this debt. So one rep says I can't be sued, then the next rep threatens me with a lawsuit if I don't pay.

What they did was try to trick me to make a payment so that I wouldn't be sued, but making a payment would actually allow them to sue me. This is extremely illegal and misleading. 

This debt was previously deleted from my credit report because it wasn't able to be validated. It's now reporting past the state and federal statute of limitations because the debt collection agency re-aged the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: EQUIFAX, INC.
State: TX
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 have unfortunately been a victim of identity theft. Various accounts were open using my personal information that I had no knowledge of. On XXXX XXXX, 2019 I reached out to each bureau XXXX XXXX XXXX  & Equifax ) with information including notarized fraud affidavit, detailed list of fraudulent accounts, police report as well as providing a copy of my social security card and copy of ID. The bureaus response was they would not be further investigating the accounts and nothing was removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I contacted the financial institution and requested to speak to a supervisor. I was promised on multiple occasions I would receive a call back because a supervisor was not available. I never received any calls nor written communication from the financial institution. I wanted to discuss my loans and qualifications for a future loan. Recently I applied for a loan and was told I needed a co-signer. I'm uncertain as to why I'm unable to qualify on my own. I'm still unable to get someone on the phone to assist me with my inquiry. I want to know why I was denied a loan on my own. I have just one more semester until I graduate and I begin working full-time. If they are unable to assist then I will consolidate my loans and take my business elsewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company : Amsher Collections Services Balance : {$170.00} In XX/XX/2018 I contacted Amsher about a Collection added to my credit for XXXX XXXX XXXX XXXX. I informed them that the returned items in question was returned to XXXX XXXX XXXX via the XXXX XXXX XXXX mail services. I contacted XXXX XXXX XXXX about the items they informed me that they received the items. However Amsher is continuously reporting this to my credit. These marks are causing extreme problems to my livelihood. I am a single parent and I work hard to take care of my obligations, this mark took a 20 point drop in my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A loan company mistakenly place funds in my account and also took payments for the loan back I did not discover it until a second payment was taken out my account. I was instructed after they refunded me my 2 payments given to the loan company that they would send the loan back to the loan company I needed to sign a document and take it to a local branch I went to Chase on XXXX XXXX XXXX XXXX to close that account an open a new account. That to the best of my knowledge went okay then not longer then a day that funds did not goto the loan company it was placed back in my new account. Let me back up funds that was in the old account the loan and my regular balance of maybe {$120.00} was in there. I had sent {$20.00} by XXXX before that account was closed. So to my knowledge and confirmation the {$20.00} was sent but the new account was so unbalanced and no statement was generated for this month of XXXX so I fell victim to them saying what they kept doing taking funds out without permission and them XXXX Chase XXXX admitted there was a system error they admitted but could not add XXXX so they gave me a balance of XXXX. {$500.00} the loan that the loan company refused to take back and $ XXXX {$140.00} dollar not placed back in my account. Went to branch and talked to Branch Manager an office staff but one transfered and the other after several messages will not return my call. Which makes this branch suspicious since when I called the chase by phone they said this branch was the one that restricted my account and left no note as reason why please help I have been trying to recover my funds for over a month and keep getting the run around. I find it odd it funds were in the old account in XXXX why wasn't a statement generated?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
been dealing with unauthorized used of my personal information. Which results in unauthorized items on my credit report.

Company response to consumer: Closed with explanation