BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-15
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to process a temporary lift of my credit freeze at https :   //www.experian.com/freeze/center.html Experian 's online system to lift a credit freeze is unreliable. I have had multiple problems in the past. The most recent issue is on XX/XX/2019. 

The only solution that Experian offers is to have the consumer mail their social security number along with a lot of verifying information. The 'promise ' is a three day turn-around. This is simply unacceptable when trying to unlock credit for employment background checks as well as for consumer credit. 

In my opinion, Experian should be investigated by the Consumer Protection Bureau if they can not provide a reliable service. 

Something needs to be done to require Experian to provide a reliable service.

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 2017-05-18
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to have been trying to get a short sale offer reviewed for several months now.   Time after time I have been giving misleading or incorrect information about my file and the status of the review. the continue to lie and not review my file. I have had to extend my sheriff sale until the end of  XXXX  to give them enough time to review and still they have not come to a decision. Now I followed up today and was told by  XXXX  agent ID :  XXXX  that file again has been closed out and NEVER reviewed by   XXXX  . This is wrong they have lied to me every time I called and now I might not be able to resolve this issue.     Please see below my calls with several agents AND a Supervisor Spoke to  XXXX  Agent Id :  XXXX  Still no update and currently they do n't have a sale date in their system. Still is showing up in the sheriff listing. Either way he told me to follow up by the end of the week that they did not have an update yet.    XXXX   XXXX   XXXX ,   XXXX    XXXX    XXXX   -  XXXX   XXXX  Spoke to  XXXX   XXXX  Agent ID :  XXXX  He let me know that the file was submitted to  XXXX  and the review should be completed today. to Follow up tomorrow.    XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX  -  XXXX   XXXX  Spoke  to Ocwen   XXXX   Agent ID :   XXXX  As of  XXXX   XXXX  a request for the file to be reviewed by  XXXX  team was out in. They now do n't have a sale date in their system so  XXXX  sent the  XXXX  an email to review. she said we should have an update w ithin 24-48hrs.     XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX  -   XXXX   XXXX   Followed up with  XXXX  li en Ocwen. I Sp oke to supervisor  XXXX  agent ID :  XXXX  their system was not updated with new sale date for  XXXX   XXXX  and they were not reviewing the file. I sent the proof sale date has been postponed and they are AGAIN resubmitting the file to  XXXX  team for decision. I was told to fo llow up 24-48hrs.     XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  Spoke to  XXXX   Agent I D :  XXXX  from SS department he let me know that their system has not been updated yet with new sale date. That he noated that we received a postponement until the  XXXX  and that the file would be resubmitted. He wants me to follow up Thursday  XXXX   XXXX   XXXX ,   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX   Spoke to relationship manager o n the file. the file has been escalated due to the sale date scheduled next friday. they also had me make a correction to the  XXXX . I have another appointment with the relationmanager tomorrow @  XXXX  (   XXXX     XXXX ,   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX  file is complete can take 3-4 business days for decision. have an appointment t for  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 do not know what kind of games this collection agency is trying to play. I requested a signed credit agreement and I did not receive that. XXXX  sent me copies of some statements and the statements were not the originals but nonetheless I requested THE SIGNED CREDIT AGREEMENT BEARING MY SIGNATURE. XXXX  closed the accounts but did not remove the accounts. The accounts need to be removed NOW! The accounts are fraudulent! No one has provided me with nothing with my signature. I have requested this information numerous times. I have seeked legal representation a consumer attorney for legal advice. If this goes to court XXXX  will have to show a signed agreement with my signature and a host of other paperwork. I also need details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I emailed XXXX  on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I can prove that XXXX  responded that they received my emails but did not send the information that I requested. REMOVE IMMEDIATELY the three accounts on all 3 credit reports. This is not a duplicate complaint. Please do not send me a email stating this complaint is closed due to it being a duplicate. This is not a duplicate!

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 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
On XX/XX/2021 I requested that an investigation be completed and verification be provided to me on several accounts. I was not provided that information within 30 days. The Fair Credit Reporting Act states that verification must be given to me that the information is correct on my report. Not simply an agent saying verified. The documentation must be supplied according to law. The accounts in question are : XXXX XXXX XXXX Idaho XXXX XXXX XXXX : XXXX . 

Under the FCRA Section 616/617 unverified information must be deleted immediately. FCRA 609 ( a ) ( 1 ) ( A ) Documentation is required to include a signed contract with my signature, and all account documents.

FCRA 611 ( 5 ) ( A ) States that without proper documentation these accounts must be deleted immediately. 

I have already been violated. Let alone this character defamation with these reports they couldnt confirm and now I have to carry around derogatory remarks that have lead to denials effecting my everyday life and creditworthiness.

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 2023-08-21
Company: EQUIFAX, INC.
State: IL
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:
I have experience identity theft and cyber theft, I have not consented to any agency to report my personal or any credit information in a public domain. 


15 U.S. Code 1681ia - Definitions ; rules of construction ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication. 
( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication; and ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person. Send me a update copy of the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   VA   XXXX   SS #   XXXX   dob  XX/XX/XXXX  Experian will not remove the unauthorized inquires from my credit report. I sent a certified letter see mail receipt dated   XXXX   XXXX   XXXX  .
for them to investigate and remove the unauthorized inquires.
they have refused to delete the unauthorized inquires!!!!!
Delete the unauthorized inquires see below and see attached letters.
  XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX    XXXX  Date Filed   XXXX   Type Complete Department Stores Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX      XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   Date Filed   XXXX   Type Sales Financing Company Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   Date Filed  XX/XX/XXXX  Type Complete Department Stores Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed   XXXX   Type Mortgage Reporters Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed   XXXX    Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX      XXXX   XXXX   Date Filed   XXXX   Type Mortgage Reporters Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    Date Filed   XXXX   Type Tenant Screeners ( Reseller ) Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed   XXXX   Type Mortgage Reporters Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX    XXXX  Date Filed   XXXX    Type Auto Financing Companies Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed   XXXX   Type Finance Companies - non specific Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX   XXXX     XXXX   Date Filed  XX/XX/XXXX  Type Mortgage Reporters Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I closed my Citibank checking account earlier this year. The company immediately revoked my online access. The problem with this is that all my statements are electronic and I no longer have access to them. I called to ask them to email the statements and they want to charge me {$5.00} per statement. 

This is particularly insidious because the banks encourage us to go paperless to save them money. Other banks have allowed me to continue to access my account statements online after the account is closed. The bank never disclosed that it would be removing my online access. The bank needs to provide a means for former customers to access their electronic statements.

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 2023-07-20
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I was using XXXX for drop shipping, my complaint is about PayPal. They told me I'm not able to do business with them even though I've sent them proof of my business with XXXX. They had me wait XXXX for my customers funds and I was forced to close my store. 
This all occurred over the past 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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: Account status incorrect

Complaint:
On the date below I sent all three Major Credit Bureaus the following letter to verify my account information, of which they all responded stating that the information they had on file had been investigated and verified. Information inmy credit filed could not have been investigated nor verified if one or more bureaus have conflicting opening dates and credit limits or other data incorrectly documented. 

None of the Credit Bureaus sent any information detailing or proving an investigation had been properly conducted. Especially and specifically with the following ( 2 ) accounts, XXXX Validate Account XXXX XXXX, XXXX Validate AccountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXXXXXX Validate Account XXXX XXXXXXXX Validate Account * Please remove all non-account holding inquiries over 30 days old. 


Thank You, XXXX 15 U.S. Code 1681i Procedure in case of disputed accuracy ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: I.C. System, Inc.
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:
the collection company named : I C SYSTEM COLLECTIONS has falsely reported collection on my name and they don't if they really have my social security number? 
I contacted the Original creditor reported on their claim and they are not aware of any collection on my name meanwhile I am a month to month membership and I have ALL the receipts of my up to date payments I contacted the agency IC SYSTEM COLLECTION and they still did not remove the information from my credit report This is really false and it hurt my credit rating too much without any fault from my side Please I need this information to be removed from ALL my credit reports and I need to know if this company has my social security number and how they get it Thank you XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the presence of incorrect hard inquiries and inconsistencies on my credit reports with Equifax and XXXX. Despite my repeated attempts to dispute and address these issues directly with the credit reporting agencies, I have encountered limited response and no satisfactory resolution. I urgently need all incorrect hard inquiries and inconsistencies removed from my credit reports without further delay. 

Details of the Complaint : Incorrect Hard Inquiries : My credit reports with Equifax and XXXX contain hard inquiries that are either incorrect, not associated with me, or lack accompanying information. 
These incorrect hard inquiries are negatively affecting my credit score and creditworthiness. 
Inconsistencies : Inaccuracies and inconsistencies are prevalent throughout my credit reports, affecting account information, credit utilization, and payment history. 
These inconsistencies are causing substantial harm to my credit profile. 
I kindly request that the Consumer Financial Protection Bureau intervenes in this matter on my behalf to help expedite the removal of these incorrect hard inquiries and rectify the inconsistencies present on my credit reports with Equifax and XXXX. Accurate and reliable credit reporting is essential to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent   XXXX   XXXX   a Debt Validation letter which stated that and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. I also asked for them to pro vide me a 1. breakdown of fees including any collection costs and medical charges. 2. Provide me a copy of my signature with the provider of service to release my medical information to you. 3. C ease any credit bureau reporting until the debt has been validated by me.   I am allowed to request this under the FDCPA.     In return i received a generic statement saying that the debt is mine .    XXXX   XXXX   did not provide any of what I was requesting to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: ENCORE CAPITAL GROUP INC.
State: KY
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 had a   XXXX   XXXX   card that had a balance of  XXXX  dollars on it and i have been making payments towards it since last  XX/XX/XXXX  but i have rencelly found out that they have the debt collection places min. payment is  XXXX  dollars whereas i was told it was  XXXX  is there anyway of getting this took care of because they are threatening to take me to court in a state i do n't even live in anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Experian Information Solutions Inc.
State: NH
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:
Complaint summery Experian has failed to respond to written disputes in 30 days. Experian has failed to verify and validate inaccuracy 's on my credit report. I am requesting to have these immediately 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 2020-03-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I tried to remove unverified and unauthorized accounts on my credit report and the credit bureaus continue to report the information

Company response to consumer: Closed with explanation