BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-23
Company: Experian Information Solutions Inc.
State: GA
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:
Per the Cares Act, I requested my mortgage company XXXX XXXX  put my loan on forbearance. They granted this request from XXXX. I was told by at least 10 people from this company this would never show up on credit report. On XX/XX/2020 I opted out of forbearance and paid my balance in full. I was again told at this time that this would never affect my credit report and I could go back to making regular payments on XX/XX/2020. I am now getting notifications from credit bureaus that my loan is 120-180 days late which has completely XXXX  up my credit. Extremely disappointed in 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 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Per the Cares Act, I requested my mortgage company XXXX XXXX  put my loan on forbearance. They granted this request from XXXX. I was told by at least 10 people from this company this would never show up on credit report. On XX/XX/2020 I opted out of forbearance and paid my balance in full. I was again told at this time that this would never affect my credit report and I could go back to making regular payments on XX/XX/2020. I am now getting notifications from credit bureaus that my loan is 120-180 days late which has completely XXXX  up my credit. Extremely disappointed in 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 2021-05-19
Company: EQUIFAX, INC.
State: MA
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 a collection on my reports that are not mine and from a different state. I disputed them and they came back accurate. I called the collection agency and they were rude to me and someone was suppose to call me back and never did. They refuse to take it off my credit report even when I can prove Ive lived at my current address for almost 7 years. Ive never lived in the state of Florida. I want it off my credit reports as it is not mine and it is ruining my credit. I was in the process of buying a house and now its on hold due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: ENCORE CAPITAL GROUP 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 XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX 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 MIDLAND CREDIT MANAGEM 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 XXXX 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, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi my name is XXXX XXXX, my loan is with XXXX XXXX they are the lender and Ocwen is the serviced. my loan is a subprime lending loan. each month i receive statements with different amounts for my monthly payment, also my interest was suppose to cap off at 4.5 from a modification from 2008 the interest has went beyond that and they are now saying my loan do not allow modifications, there is a lot of illegal stipulation attached to this loan. i need help, my back is against the wall they are trying to take my home saying my loan do not allow refinancing and i have no equity. XXXX XXXX has been in the spot light with senator XXXX XXXX, i need someone to help me get equal justice, they have made my owning a home turn into a nightmare. I have developed medical conditions dealing with these lenders, such as XXXX XXXX XXXX, i have been taken advantage of in the highest inhuman way. this is horrible what happen to me this subprime lending. i do not wish it for anybody. if it had not been for my belief in XXXX, i do not know how i would have made it thus far, XXXX is my strength in the mist of it all. respectfully yours, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: CORELOGIC INC
State: OR
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:
Unauthorized inquiry to my consumer 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 2020-07-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I purchased credit monitoring services from Experian and they were " supposed '' to monitor my credit. On the day I lapsed service they unlocked my credit file and began allowing errors to post on my file intentionally and thereby affecting my score. The errors did not match my file. I received 3 emails stating my score had increased. I received 3 emails congratulating me for paying off student loans at the same time I received emails that my score had increased. 24 hours after I received these emails in XXXX I received a notice that my score decreased by 28 points for no reason. The alert was under all the improvement alerts and was out of place. I renewed my service to relock my file but they intentionally decreased my score in order to get me to apply for a " credit boost '' by revealing my bank account information and renewing my monitoring service. They scammed my profile and lowered my score for money and potential bank information. They tried to manipulate as a consumer and refused to fix the score. They even went as far as to remove the alerts once they figured out that I was going to tell the government.

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 2020-01-21
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:
This is the 2nd time I am filing an Identity theft Police Report. The first time was in XX/XX/XXXX, but I lost the report since it was a little while ago. At the time, I filed the report with an  officer over the phone. Also, the accounts I am listing in this report had not appeared in my credit file at the time of my previous report. These accounts were just recently reported. There are a total of 3 accounts which includes 2 collections accounts and also 1 Inquiry. I have  never authorized anyone to use my name or personal information and I have never received any money, goods or services from any of these companies listed below. They are a result of Identity Theft. 
Account : Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Collections : Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Name : XXXX/XXXX   Inquiry Date : XX/XX/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 2017-12-19
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for refinancing on an auto loan with Lending Club and was told the rate would be 2.49 % The payoff on my current loan was XXXX WHEN IT CAME TIME TO SIGH THE LOAN THE LENDING CLUB SAID THE RATE WOULD BE 3.4 % THIS IS BAIT AND SWITCH THEY NEED TO BE INVESTIGATED AND FINED!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: VA
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:
XXXX  is NOT reporting a 25-year-old Mortgage credit account with XXXX XXXX XXXX XXXX, Acct # XXXX ; Opened in 1993 to present ; original balance : {$93000.00} ; current balance {$33000.00} ; monthly payment {$690.00} ). After speaking to XXXX, they claim they can not ADD this account unless Union Bank reports it ; However, after speaking with XXXX XXXX XXXX XXXX # XXXX ), they say that they report it every month. Somehow this account has been DELETED by XXXX or not being reported by XXXX XXXX XXXX XXXX. If the account was derogatory or in collections, it would be there. I would like this account ADDED back to my account.

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 2020-10-23
Company: Financial Data Systems
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: Information belongs to someone else

Complaint:
On XX/XX/2020 Financial Data Systems added a derogatory mark on credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Financial Data Systems has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

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 2017-12-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX is reporting incorrect information and will not : 1 ) contact me ( they are trying to contact my WIFE! ) 2 ) remove the erroneous marks 3 ) fix the reporting 4 ) delete the negative reporting 5 ) DO anything!

This very frustrating as this is my SECOND complaint now! I already submitted a complaint and they tried to contact my wife, not me. 

This is XXXX XXXX and XXXX needs to delete this off my credit as it is not correct.

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 2020-12-07
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello, Upon reviewing my Experian credit report I noticed numerous hard inquiries that I did not make, which looks to be a case of potential identity theft. According to the Fair Credit Reporting Act, can the following inquiries please be disputed and/or removed? I've reached out to the respective companies which were unhelpful in removing the inquiries. Furthermore, I've opened an identify theft case with the IRS/federal government. 
- XX/XX/ XX/XX/XXXX- XX/XX/ XX/XX/XXXX - XX/XX/ XX/XX/XXXX- XX/XX/XXXXXX/XX/XXXX-XX/XX/XXXXXX/XX/XXXXI noticed these unauthorized inquiries after applying for a credit card with XXXX on XXXX and being declined due to too many recent inquiries. ( Which was valid. ) Thank you, 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 2020-09-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 US DEPT OF ED/XXXX  XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Experian Information Solutions Inc.
State: AZ
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:
Hi I am filing this dispute on XX/XX/XXXX, Experian and XX/XX/XXXX. I informed all three companies that XX/XX/XXXX XXXX XXXX ( Original Creditor : XX/XX/XXXXXXXX ) was reporting different across three credit bureaus. XX/XX/XXXX never responded to my certified letter Experian and XX/XX/XXXX said they verified this account. I would argue this account was verified correctly. The account is still reporting different on all three credit bureaus Please see variables below : Date Opened : XX/XX/XXXX XX/XX/XXXX Experain XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : XX/XX/XXXX Account information disputed by consumer, meets FCRA requirements Experain Customer disputed account - reported by subscriber. XX/XX/XXXXConsumer disputes this account information Subject has not satisfied debt. Date Last active XX/XX/XXXX XX/XX/XXXX Experain XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have attach my Driver license also since yall like to say It wasnt me who file this complaint. I will alo be filing a complaint with the Attorney General Office.

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 2020-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On several occasions I have contacted XXXX XXXX, XXXX, XXXX, Capital One, XXXX XXXX, and Infinite to dispute the inaccurate information they are reporting. I have sent in several disputes and have yet to get a response. 
Here is a list of the following dates and amounts for each company listed below : XXXX XX/XX/XXXX {$580.00} XXXX {$1700.00} XXXX  ( XXXX XXXX ) XXXX {$330.00} XXXX XXXX ( CAPITAL ONE BANK ) - XX/XX/XXXX {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX ) - XX/XX/XXXX {$900.00} XXXX XX/XX/XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge :XX/XX/XXXX XXXX XX/XX/XXXX/XXXX  XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXPlease remove these FRAUDULENT inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
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: Credit inquiries on your report that you don't recognize

Complaint:
My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX  XX/XX/XXXXXXXX XX/XX/XXXX/XXXX  XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove these FRAUDULENT inquiries.

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 2021-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
After filing my complaint against Merrill Lynch I was contacted by : XXXX XXXX Assistant Vice President, Consumer Investments Executive Escalations XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX contacted me on the XXXX of XXXX asking for a copy my Driver License and any documentation that would show that I had the right to receive a loan that was disbursed to my account in my name. XXXX stated once she received those documents that she could schedule an appointment to pick up my balance of {$3900.00}. 
Merrill Lynch bank has held by my money with no access to this account for over a year and a half. 
I have ask for copies of my previous bank records as well and still nothing has been released as promised. After XXXX received my documents she contacted me a few days later asking for more documents that prove I had the right to receive money that was deposited into my account and under my name. I explained to XXXX what they are asking for has no relevance to closing an account in my name that I have no access too. Regardless of the fact I know they have no rights to my business documents ... I still provided a copy of my sol prop which gives me the right to operate under my name as a business. Merrill Lynch is violating my rights by not giving me access to an account that is still open under my name despite the request to close this account. Merrill Lynch also refuse to give me a copy of my banking records. Merrill Lynch is causing me a great deal of XXXX and XXXX  because I have no idea what they are doing with an account that I have no access too. 





From : XXXX [ mailto : XXXX XXXX XXXX : Tuesday, XX/XX/2021 XXXX PM

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 2023-03-23
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont owe any collection company. I dont have a signed contact with any company. I request company to delete collection off my credit report asap p

Company response to consumer: Closed with explanation